How does an employee use FSA, HSA or HRA to pay at a doctor’s office?

Generally, the best way for an employee to use their Flexible Spending Account (FSA), Health Savings Account (HSA), or Health ReimbursementAccount (HRA) account is to have the doctor’s office bill the health insurance company directly. Once the claim has been processed, the employee will receive credit toward the payment of their deductible, and will then […]

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2018 HSA contribution limit

Generally, the best way for an employee to use their Flexible Spending Account (FSA), Health Savings Account (HSA), or Health ReimbursementAccount (HRA) account is to have the doctor’s office bill the health insurance company directly.

Once the claim has been processed, the employee will receive credit toward the payment of their deductible, and will then know the exact amount they have to pay out of pocket. Once they have this figure, they can use the funds from their account to pay the difference. Since the employee will have to pay a co-payment until they have met their deductible, they can go ahead and use the account to make the co-payment.

Final Tips

Some doctors’ offices may require their patients to make the entire payment for a visit up front. In this case, the employee will have to pay out of pocket initially. The employee should save receipts for the services rendered, so that later they can be reimbursed with funds from their account.

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