Typical Claim Resubmission and Appeal Timelines by Administrator
FSAFEDS
Resubmission deadline: Within 30 days of denial for missing/incomplete documentation.
First-level appeal: Must be submitted within 60 days of the denial. Response typically within 30 days.
Second-level appeal: Submit within 30 days if the first appeal is denied.
Final appeal: Must be submitted within 30 days. Reviewed by an independent party.
Source: FSAFEDS Appeal Guide (PDF)
Bank of America (HSA/FSA)
Resubmission: You typically have 10 to 30 days to provide additional documentation following a denial.
Appeals: No formal public timeline, but members are encouraged to contact support promptly.
Source: Bank of America Denied Claim Help
HealthEquity (HSA/FSA)
Appeal submission: Must be submitted within 180 days of the denial notice.
Appeal resolution: Usually completed within 30 days.
Reimbursement processing: Typically within 3–5 business days.
Sources:
American Benefits Group (ABG)
First-level appeal: Submit within 180 days of the denial.
Resolution: Expect a response within 30 days.
Second-level appeal: May be available through your employer or plan sponsor.
Source: ABG Claims Appeal Procedure
P&A Group
Health Care FSA: Appeal must be submitted within 180 days.
Dependent Care FSA: Appeal must be submitted within 60 days.
Decision timeline: Typically within 60 days, with extensions up to 120 days in special cases.
Source: P&A FSA Appeals
HSA Bank
Appeal submission: Within 180 days of denial.
Decision timeline: Usually within 60 days.
Source: HSA Bank Summary