FSA Feds claim being denied over and over again....

[Anonymous]

I've been using FSAFEDs for more than 6 years and never really had a problem. I noticed, this year, that two of my claims were erroneously denied. The reviewers seem to be a little less competent lately. I've called, explained THEIR mistake (both times they misread easy-to-read day care receipts and did not correlate the receipt to the claim dates I submitted online), and resolved the issues, but who feels like the hassle? Long story short, I felt like OPM, which administers the contract, needed to know about the lackluster service of the contractor. I called OPM and they noted that one can log a complaint at [e-mail]. I encourage everyone to speak up to OPM if the FSAFeds reviewers are hosing you.

[Anonymous]

Anonymous wrote:I lost 1500 dollars two years ago. once someone denies a claim itis hell to get is allowed. I had tow crowns on my mouth costing me $800 out of pocked where the insurance only paid half. FSA would not pay. They act as if it is theirs. I want to know where the left over money I lost went.

WHAT??! Crowns weren't covered!!? How did some idiot not think that was medical? Insane.

[Anonymous]

Anonymous wrote:We stopped using FSA a couple a years ago after so much hassle about claims denied and having to resubmit.

As I understand it, the company that administers FSA gets to keep any unclaimed money, so there is an incentive for them to slow down and deny claims. If that's true, what a B*S* way to structure a benefit program.

This is not true.

[Anonymous]

FSA Feds is horrible! My husband recently became a fed and we signed up this year. They have already rejected two claims that are clearly copays and I was instructed to write copay on the receipt and resubmit. They are still pending so who knows if they will actually go through, but what a mess.

With previous companies, I always just uploaded the receipt and my money was in my bank account within a few business days. I don't understand what the big deal is??

[Anonymous]

What a nightmare! I have always had a problem and I provide documentation. I work for the Government and retired from service but man if this is the example I have had a enough. get denied code with no explanation. I did it for tax break but now increasing my TSP and get out of this program. Hope ever who runs this great idea poorly managed program looks in the mirror. I

[Anonymous]

Interesting - I've been a fed for a little less than a year now. I have nothing but good things to say about FSAFEDS. So far it's mostly been dental stuff for my husband and everything has gone through smoothly. I did get a one denial, but that's because our dentist messed up and charged us the wrong copay amount so I had to wait for the EOB to get processed by the insurance company.

I submit an itemized receipt if I have it, but for small copays I've been able to get away with non-itemized receipts. I've never had a problem with legibility. I either scan receipts or take a picture with my phone and upload to the online claims. When submitting a receipt that includes non-eligible expenses I'll bring it into MS paint and put a red square around the claim items and indicate the tax amount. It takes me 10 minutes max. I save all the files so if something gets denied I can make some changes and resubmit all the documentation quickly/easily.

I'm branching out a bit - I just submitted a claim that required a letter of medical necessity (for an exercise program) - we'll see how it goes.

As for those who just plan to itemize on taxes, you can't deduct medical expenses unless they exceed 10% (7.5% for seniors) of your income. So really, unless your out of pocket medical expenses are really high FSA is much more tax advantaged.

[Anonymous]

I can't enroll FSAFeds Even though I am able. After too many cancellations and two bounced checks total of $35.00. I had a supervisor hel me reenroll and then they cancelled me again because they said I did it wrong. Twice it showed I had money and the moment I put my claims in - they wiped my money out back to nothing! I deleted the app because I am waaaaayyyy upset. I still am.

[Anonymous]

Anonymous wrote:I can't enroll FSAFeds Even though I am able. After too many cancellations and two bounced checks total of $35.00. I had a supervisor hel me reenroll and then they cancelled me again because they said I did it wrong. Twice it showed I had money and the moment I put my claims in - they wiped my money out back to nothing! I deleted the app because I am waaaaayyyy upset. I still am.

Who bounced checks? Not FSAFeds?

[Anonymous]

Anonymous wrote:We are feds and gave up on FSAFeds several years ago. It's easier just to itemize our health expenses on our taxes!!! lol.

But that only works if health expenses eat more than a certain percentage of income, right? Aren't I trapped into FSA Feds if I want to pay for health insurance and then count up my $500 per year in little bills?

[Anonymous]

Anonymous wrote:

Anonymous wrote:I lost 1500 dollars two years ago. once someone denies a claim itis hell to get is allowed. I had tow crowns on my mouth costing me $800 out of pocked where the insurance only paid half. FSA would not pay. They act as if it is theirs. I want to know where the left over money I lost went.

WHAT??! Crowns weren't covered!!? How did some idiot not think that was medical? Insane.

This really worries me, as I'm about to try this routine -- but for an implant + crown. Out of curiosity, did it you manually submit or did the automatic reimbursement system try to run the claim? So far, we've only used the health account for usual co-pays, which run automatically, and they just "go through."

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I lost 1500 dollars two years ago. once someone denies a claim itis hell to get is allowed. I had tow crowns on my mouth costing me $800 out of pocked where the insurance only paid half. FSA would not pay. They act as if it is theirs. I want to know where the left over money I lost went.

WHAT??! Crowns weren't covered!!? How did some idiot not think that was medical? Insane.

This really worries me, as I'm about to try this routine -- but for an implant + crown. Out of curiosity, did it you manually submit or did the automatic reimbursement system try to run the claim? So far, we've only used the health account for usual co-pays, which run automatically, and they just "go through."

I'm not that PP, but I've manually submitted a claim for a crown and had it approved (I thought I had linked my dental insurance to submit automatically but I hadn't) and I've had one submitted automatically that was approved. I've never had anything rejected by FSAFeds in the 3 years I've been using it.

[Anonymous]

FSAFEDS Is awful! Plain and simple. I have had no end of problems with them. My claims are submitted from the insurance co. (MHBP/Aetna) and when they hit FSA FEDS the amount for my copay on several claims is like .56 cents instead of the 20 bucks I paid and wanted reimbursed. The list of issues goes on and on from denying claims for dental to telling me I had been reimbursed from insurance which was never the case. I wish there was a complaint line because when you call you just get the run around. This rollover season I am going to see if my insurance carrier has their own FSA and I will go with them.

[Anonymous]

I agree it’s a PIA- I’m tryong to get copays reimburses abd they are so dam picky as to what they need for reimbursement.

[Anonymous]

FSAFeds is usually difficult to use and they reject claims constantly. We gave up; it was easier to itemize health expenses on our taxes. Wasn't worth it, since they hated giving our money back to us.

[Anonymous]

I just refused to use it after a few years of horror stories.