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Automated Claim Payments with Crossover

We make it easy for you to get reimbursements sent directly to your personal bank account. This can be done by setting up direct deposit for reimbursements. Crossover (automated claim payments) goes a step further, letting your health plan automatically send your medical claims from a provider to us for reimbursement. This means you don't have to seek reimbursement for your provider costs. We will reimburse you automatically.

Overview

Further offers crossover with both medical and dental plans. In order to take advantage of this feature, your employer must allow it.  Crossover is only available to employer with certain health insurance and dental plans.

How crossover works

Here’s an example of how you are reimbursed from your account using the various options we offer.

Scenario:

You cut your hand doing yard work and go to the doctor, who examines the wound and applies a few stitches.

With Online Reimbursements With Crossover 

Step 1 Your doctor submits the claim to your health plan.

Step 1 Your doctor submits the claim to your health plan.

Step 2 Your health plan pays the portion of the claim that’s covered by them.

Step 2 Your health plan pays the portion of the claim that’s covered by them.

Step 3 You receive an Explanation of Health Care Benefits (EOB) from your health plan stating what has been paid by them and any amount that you owe.

Step 3 You receive an Explanation of Health Care Benefits (EOB) from your health plan stating what has been paid by them and any amount that you owe.

Step 4 You make a payment from your personal bank account to cover the cost that you owe for the visit. This could be done with a paper check, on your bank's website, or on your provider's website, if they offer online bill paying.

Step 4 Your health plan automatically sends Further your payment responsibility information on this claim.

Step 5 You go online to www.hellofurther.com and request a reimbursement from your health spending account to your personal banking account. 

Step 5 Further will access your account and reimburse you (to the extent that funds are available in your account). If you have more than one account (for example, an FSA and an HSA) the order in which your accounts are accessed is determined by your plan.

Step 6 You will either receive a reimbursement check or the funds will be directly deposited to your personal bank account, if you have set up direct deposit. Step 6 You will either receive a reimbursement check or the funds will be directly deposited to your personal bank account, if you have set up direct deposit.

 For HSAs, if the claim cannot be paid in full from your HSA, the claim will pend for up to 12 months, and you will be reimbursed as additional contributions are made to your account. In the meantime, you will still need to pay your provider. Please remember you are responsible for keeping all documents and receipts of all eligible medical expenses whether paid through a debit card, crossover, or manual claim. You need this documentation if you are audited by the IRS.

When to use crossover

People who use their account to pay for current medical expenses find crossover convenient. It works for a wide range of eligible health and medical expenses. If you incur vision or other claims that are not eligible for crossover, you can simply submit a withdrawal request online at www.hellofurther.com.

Crossover should not be used when:

  • If you or any of your covered dependents have more than one health plan (private or Medicare).
  • If you have or would prefer having a Further debit card.

Additional features with medical crossover

The following options can be elected along with medical crossover, but they must be allowed by your employer and depend on the health plan coverage. These options are not available for dental crossover.

Pay-the-provider

With pay-the-provider, any medical claims submitted through your health plan will automatically be paid from your account to the provider. This means that you don't have to pay for those expenses out-of-pocket and seek reimbursement. You also don't have to worry about paying the bill from your provider. Further will pay it for you.  

The pay-the-provider feature has the following limitations:

  • works only with providers in your health plan’s network
  • does not work with paper claims
  • is not an option if you have a debit card

Prescription drug crossover

  • If eligible, the dollars in your account will also be used to cover the cost of your pharmacy purchases, like prescription drugs.
  • That means that, for most plans, you will pay nothing out of pocket when picking up your prescription if you have money available in your account.

To sign up for Crossover:

If you currently have a debit card, enabling crossover will cancel the card.

  1. Sign in at www.hellofurther.com.
  2. In the main navigation menu, click My Profile.
  3. Choose Payment & Banking from the menu.
  4. Click Switch to Automatic Claim Payment
    This button will only appear if you have an active account and your employer allows crossover.
  5. Choose from the available options.
  6. Click Save Selections.

We also recommend setting up direct deposit of reimbursements to your personal bank account.

FAQs

 What if I have another account paired with my HSA?
When actively contributing to an HSA, the following limitations may apply (please see your Summary Plan Description for details):

HSA + FSA: The FSA is limited to vision and dental expenses until you have met your deductible with your insurance.

HSA + HRA: The HRA is limited to vision and dental expenses until you have met your deductible with your insurance OR the HRA is suspended completely.

HSA + VEBA: The VEBA is suspended, post-retirement or limited to vision and dental until you meet your insurance deductible.

Can I use crossover if I am covered under more than one insurance plan?
If you or any of your covered dependents have more than one health plan (private or Medicare) you should not elect the crossover feature since your patient responsibility amount should be submitted to all insurance companies before your reimbursement account.
Why didn't my medical claim automatically process through crossover? 

There are multiple reasons a claim may not be submitted to your account by your health plan. Some typical reasons are:

  • Dual insurance – If you or any of your covered dependents have more than one health plan (private or Medicare) crossover is not an option, since your patient responsibility amount should be submitted to all insurance companies before your reimbursement account.
  • Claim Adjustment – If you claim is reprocessed by insurance, your adjusted claim will not automatically crossover. You may need to manually submit your claim.
  • Non-covered expense – If there is a service or charge that is non-covered by insurance, it will not crossover. You will need to manually submit your claim and include an itemized billing statement of the charge.

If you have additional questions contact Customer Service at 1-800-859-2144.

 

Printable Forms

You can sign up for crossover by sending a paper form via secured email, fax, or mail. Please note that it's faster to do so on www.hellofurther.com. 

Download the Medical Crossover Election form

Download the Dental Crossover Election form

Download the Pay-the-Provider Crossover Election form in Spanish

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