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(Yep, these are FSA-eligible. Get more tips below.)

Making Sure Your Documentation is 20/20

Feel free to use this image, just link to www.SeniorLiving.Org This photo required alot of editing in PS. I like the color and the gausian blur on this one.

A few times a year, I order new disposable contact lenses online (FSA-eligible) from VisionDirect.com, and usually I have to provide either an unexpired prescription, or my optometrist’s contact information so that the merchant can verify.

This year, my prescription expired (it was over a year and half old), so I first had to get an eye exam with my optometrist. Usually, I let my optometrist know that I just need an exam, and that I’ll be ordering contacts myself. Although I have vision insurance that covers the exam, I still have a co-pay that I need to cover out-of-pocket. Fortunately, co-pays are usually FSA-eligible as well. My exam co-pay ended up being $48, and I took home this receipt + statement from my optometrist:eyedr_old_statement

receipt

 

Great! Now, all I need to do is provide this with along with my claim submission for reimbursement (link to creating submission), right? Nope, so I thought. My FSA administrator, CONEXIS, swiftly rejected my claim, citing an insufficient “Description of Service”:

rejected

So what gives? Turns out, upon a closer look, my original statement given to me from my optometrist wasn’t clear enough on describing what the charge is for. In my statement, all it says is “Payment VISA” in the area for professional service. So, I gave the doctor’s office a call to mail me a clearer statement, one that lists exactly that the charge is a result of an “eye exam”:

eyedr_new_statement

That did it! My second claim submission resulted in an approval, and a check for $48 was prompted mailed to me:

approved

That was a lesson learned for me: when using my FSA, I must ensure that the statement of services from my medical providers are clear about what the charges are for. Often times when I go to a doctor’s office, the paper I get along with the receipt is woefully inadequate. I end up having to ask them to print a clearer one. Yup, it definitely can be a hassle at times, but getting used to it results in a lot of savings with your FSA. But that’s why we use our FSA. So make it second nature!

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