FSA overpayment?

[Anonymous]

My FSA and health insurance are connected - but I am confused about the reimbursements. For example, if I go to the doctor and the doctor's office bills BCBS $200, and BCBS pays the negotiated rate of $150, the FSA automatically reimburses me for $50. However, I paid no money to the doctor, and I didn't request reimbursement from the FSA.

Both mine and my husband's FSAs work like this and we work for different companies and have different insurance.

[Anonymous]

Is it a FSA or HRA that you’re getting reimbursed from?

[Anonymous]

Anonymous wrote:My FSA and health insurance are connected - but I am confused about the reimbursements. For example, if I go to the doctor and the doctor's office bills BCBS $200, and BCBS pays the negotiated rate of $150, the FSA automatically reimburses me for $50. However, I paid no money to the doctor, and I didn't request reimbursement from the FSA.

Both mine and my husband's FSAs work like this and we work for different companies and have different insurance.

Is the provider out of network?

[Anonymous]

Sometimes doctors take awhile to bill—sometimes I get reimbursed from FSA before receiving the doctor’s bill. Same thing with automatic prescription refills.

[Anonymous]

Mine pays me the whole 100$ copay on my specialty medication when I only actually pay 5$. this has been going on for years. Their problem, not mine!

[Anonymous]

You're complaining about getting your own money back?

[Anonymous]

FSA once over paid me and then came back to me later and asked for the $$ back. You can call them and ask about your situation. They are usually pretty responsive.

[Anonymous]

My company has our FSA set up in a similar way. But we can select to not get auto reimbursed.

[Anonymous]

Anonymous wrote:You're complaining about getting your own money back?

Not complaining! But don't want to have issues with my taxes.

[Anonymous]

Anonymous wrote:My FSA and health insurance are connected - but I am confused about the reimbursements. For example, if I go to the doctor and the doctor's office bills BCBS $200, and BCBS pays the negotiated rate of $150, the FSA automatically reimburses me for $50. However, I paid no money to the doctor, and I didn't request reimbursement from the FSA.

Both mine and my husband's FSAs work like this and we work for different companies and have different insurance.

This is exactly how it should work! The doctor charged $200, your insurance paid $150 and you are expected to pay the other $50. That's between you and the doctor - you may have paid it during the visit or will pay it when the doctor bills you. Based on that assumption, your FSA provider (also your insurance company) is reimbursing you for the $50 you paid/will pay your doctor.

No taxes involved.