How do I submit my FSA expenses?
Use our health care and dependent care claim forms for manual submissions. Claim forms can be found on the Aetna Navigator™ self-service member website, available 24 hours a day, 7 days a week. Log on by visiting www.aetna.com. If your employer has implemented our streamline option, our medical system will interface with our FSA system and automatically process your medical, dental, and pharmacy copays and associated out-of-pocket expenses.

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Is there a minimum claim amount I can file?
Yes. Your employer will establish a minimum payment amount. All claims filed in amounts less than that amount will be pended until the minimum is reached and then processed. Note: There is no minimum with AutoDebit.

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What happens if I submit a claim for an amount greater than my health or dependent care FSA balance?
When you submit a claim for your health care FSA, you will be reimbursed up to the full amount of your annual election, regardless of the amount of money that has been deposited into your account. Contributions will continue throughout the year and claims will continue to be paid until your annual maximum is met.

Dependent care claims are paid a little differently. If you submit a claim and your balance is less than the amount of the claim, you will only be reimbursed for the amount of money available in your account. The remainder will be reimbursed once money is deposited into your dependent care FSA. This enables you to submit a claim only once and receive funding on an ongoing basis, rather than be denied payment or be forced to resubmit the claim until it can be paid in full.
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How quickly will my claims be processed?
For streamlined claims where Aetna is the medical insurance carrier, turnaround time is within 24 hours. For streamlined claims that Aetna manages for another carrier (Aetna is not the medical insurance carrier), the claim is paid within 24 hours after the claim file is received from that carrier. Manual claims are processed in 5 to 7 days.

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Can I request reimbursement from my FSA for services I receive before the plan year begins if I am not billed until after the plan year starts?
No. According to IRS guidelines, a qualified expense is incurred at the time the service is provided; not when you are billed, charged or actually pay for this service. Therefore, reimbursements made during a plan year are only made for eligible expenses incurred during that same plan year.

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