How to save on orthodontia expenses with your FSA

Understanding orthodontia and FSA claims

Orthodontia claims can be more complex than typical FSA reimbursements due to varying payment schedules and insurance benefits. Here’s what you need to know:

Know the rules

You can use your FSA to cover orthodontic expenses for yourself, your spouse, your children or other eligible dependents—but keep in mind, it only reimburses costs not already covered by insurance or another source. Reimbursements are based on when the service is provided, not when you get the bill or make a payment. And if you’ve prepaid for treatment, you’ll need to submit your orthodontic contract so your FSA provider can set up the right reimbursement schedule.

Know your payment options

• Associated Benefits Connection debit card: If your plan offers a debit card, you can use it at your orthodontist’s office or provide the card information to your provider for billing.
• Pay yourself back: Pay out of pocket and get reimbursed via direct deposit—either one time or monthly.
• Pay your provider: Use the Associated Benefits Connection participant portal or mobile app to pay your provider directly—one time or monthly for the length of your contract.

Know the documentation requirements

To get reimbursed through your FSA for orthodontic expenses, you’ll need some key documents from your provider—an orthodontia contract, an itemized receipt or both. Hang on to these for your records and any claims you submit. Your contract should include details like the patient’s name, a description of the treatment, start and end dates, the total cost, any expected insurance payments and any down/monthly payments.

If you plan to set up recurring monthly reimbursements your contract is essential for that. If you’ve already paid for services, just submit a one-time reimbursement request along with a receipt that shows the provider’s name, the patient’s name, what service was provided, the date and the amount paid.

Know your claim options

Submitting a claim is simple with Associated Benefits Connection. You can reimburse yourself or pay your provider directly. Just choose the option that works best for you: use the participant portal, the mobile app or submit a claim form by mail, email or fax. And if you need step-by-step help, you’ll find detailed instructions in the participant guide, available in the portal.

Have an HSA too?

Your FSA may not cover all expenses, but you can use your Health Savings Account (HSA) for additional costs. Just be sure to track which account paid for what—double dipping is not allowed by the IRS.

Make the most of your FSA

By understanding your options and using available tools to manage your claims and payments with ease, along with the right strategy and documentation, orthodontia doesn’t have to break the bank. Download the Associated Benefits Connection how-to guide for saving on orthodontia expenses for help maximizing your FSA benefits.

For additional assistance, contact Associated Benefits Connection at 800-270-7719 or email ParticipantServices@AssociatedBank.com.