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[quote=Anonymous][quote=Anonymous][quote=Anonymous]We only ever use FSA card for things not covered by insurance at all or for in network providers that want copays and for drugs at Safeway. 
You have to pay back reimbursements.
Also FSA and IRS go on allowed charges. Not whatever they charged you for
So there was an Allowed $94.20. Insurance sent you $61.23 of the $94.20. FSA sent you the copay.  The insurance and copay equal the  allowed cost.
If you paid $145 well they aren't participating providers and you don't get made whole.
 [b]I am not sure what you did last year worked out right. DH got balance billed in advance for an MRI, put on his FSA. We had to write a check to FSA to repay that because provider was in network and got paid in full by insurance and our copay was $20. It took 5 months to get the refund from provider for what was basically double billing.[/b]  [/quote]

Yeah, that's what I am worried about - I feel like I am totally screwing things up here. I am very confused and I don't understand what I am doing!

(LOL to a PP, no my children would be worse than no help.)[/quote]

That PP's husband's case is different though. It's equivalent to you paying the provider the $145 and the provider refunding the $145-94.20. That's correct for in network because the provider ends up with $94.20 and it was the office that billed the MRI wrong. OP's case is different because the therapist actually gets paid $145 because they really are OON and therefore permitted to balance bill. So OP paid a net of $83.77, all of which can be reimbursed by the FSA.

If you can't get the FSA provider to fix it, you could deduct the $87.33-32.97 from your taxes.

Also in general don't forget to deduct or claim to the FSA for mileage.[/quote]

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