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

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[quote=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.[/quote]

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