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Getting Reimbursed

You can use the funds in your account to reimburse yourself for out-of-pocket health care expenses. This page examines your reimbursement options, gives an example of how you might be reimbursed, and answers some common questions.

What can I be reimbursed for?

Requesting reimbursement

Depending on your group settings, you have a few options for getting reimbursed for health care expenses from your account.

Online reimbursement claims

When you want to be reimbursed for an out-of-pocket health care expense, you can do so easily by signing in to www.hellofurther.com. Further will process the request and reimburse you as long as there are sufficient funds in your account. Reimbursements can be sent to you as a check, but a more convenient option is setting up direct deposit with your checking or savings account so the money is automatically sent there. We recommend setting this up and saving a trip to the bank.

If a reimbursement request is greater than the account balance, the difference will pend for up to one year and be reimbursed as funds become available. When you submit a claim, you’re responsible for verifying that the expense is an eligible medical expense as determined by Section 213(d). You should keep appropriate receipts for all medical payments (provider name, date, reason, and amount). However, you do not need to submit this information with your withdrawal request.

To submit an online reimbursement claim:

  1. Sign in to www.hellofurther.com.
  2. In the top navigation bar, click Claims.
  3. Select Submit a Claim.
  4. Fill out and submit the claim form.

Mobile reimbursement claims

Getting reimbursed on the app

Crossover

This option must be allowed by your group.

Automated claim payments are another reimbursement option offered by Further. This options is called Crossover. It allows your health plan to automatically send your medical claims from a provider to Further for reimbursement. This means you don't have to seek reimbursement for your provider costs--Further will reimburse you automatically. 

Read our article on Crossover to determine if it is right for you.

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.

Mail-In Reimbursement Claims

You can also request reimbursement by mailing in a paper form. This method will take longer. Use the link found later in this page.

Keeping a good record of expenses

When you request a reimbursement, you may be asked to provide proof that the purchase is an eligible medical expense. This might be a prescription, doctor's order, and/or receipt.

Frequently asked questions

Are claims incurred prior to setting up my HSA eligible to be reimbursed?
No. Only claims incurred on or after the date that your HSA was established are eligible regardless of the effective date of the HDHP. Your account is considered established when funded.
 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.
My claim or reimbursement request was denied. What can I do?

After receiving a complete or partial denial of a claim, you can appeal the decision by filling out an Appeal Form. We recommend you work with your employer or benefits administrator to make sure you have complete and accurate information when making your appeal.  Further will perform a full and fair review of your claim and provide you with written notice of the decision within 30 days of receiving your appeal request.

Download the Appeal Form.

You can also designate another person to manage the appeal process on your behalf by completing an Authorization for Release of Information for them.  

See Authorization for Release of Information for more information.

Printable Forms

For HSA withdrawals: Download the HSA Withdrawal form

For FSA, HRA, or VEBA withdrawals: Download the Medical Expense Claim form

To return overpaid funds to a spending account: Download the Reimbursement Return form

To reclassify HSA funds reimbursed with an incorrect service type Download the HSA Distribution Reclassification form