Reimbursements & Claims

Submitting Your Claim by Administrator

This guide consolidates submission instructions for all supported HSA and FSA administrators into a single reference. Each administrator has a slightly different portal, process, and documentation workflow — jump directly to your administrator’s section below. In all cases, you will need two documents: the receipt from your purchase and the Letter of Medical Necessity (LMN) issued by Truemed.

Optum

Required documentation:

  • Receipt (see requirements below)
  • Truemed Letter of Medical Necessity (LMN)

Receipt requirements. Your receipt must include all five of the following elements:

  1. Date of service or purchase
  2. Description of the service or item purchased
  3. Provider or merchant name
  4. Patient name
  5. Total cost

If your receipt is missing any of these elements, contact the merchant and request an updated receipt before submitting.

Submission steps:

  1. Log in to your Optum account at myoptumhealthfinancial.com.
  2. Select Reimburse Myself in the upper right corner.
  3. Enter the service date. This date must match the date on your receipt and must fall within the active date range of your Truemed LMN.
  4. Enter the reimbursement amount and identify the service recipient.
  5. Select the appropriate service type under the Healthcare Related category.
  6. Enter the vendor or merchant name and add an optional description to clarify the purchase.
  7. Upload your receipt and your Truemed LMN.
  8. Review all information and submit your claim.

Note: Optum refers to the purchase date as the “service date” and the merchant as the “vendor/provider.” Use those terms when filling out the claim form.

HSABank

Required documentation:

  • Receipt
  • Truemed Letter of Medical Necessity (LMN)

HSA accounts

  1. Log in to the HSABank member portal at account.hsabank.com.
  2. On the Home tab, select Reimburse Myself.
  3. When prompted for an expense category, select Medical.
  4. Upload your receipt and your Truemed LMN.
  5. Follow the remaining on-screen instructions to complete the submission.

FSA accounts

FSA reimbursements can be received by direct deposit or paper check.

Direct deposit (recommended):

  1. Register for direct deposit on the HSABank member website.
  2. Submit your claim with your receipt and Truemed LMN attached.
  3. Funds are deposited the business day after your claim is substantiated.

Paper check:

  1. Submit your claim through the member website with your receipt and Truemed LMN attached.
  2. A check will be mailed to your address on file.

For additional guidance, refer to HSABank’s instructions at hsabank.com.

Gusto

Required documentation:

  • Receipt
  • Truemed Letter of Medical Necessity (LMN)

Submission steps:

  1. Log in to the Gusto Benefits Card Manager Portal at gusto.wealthcareportal.com.
  2. Navigate to the reimbursement or claims section.
  3. Follow the on-screen instructions to complete your claim.
  4. Upload your receipt and your Truemed LMN when prompted.
  5. Submit the claim.

For additional guidance, refer to Gusto’s Benefits Card Manager FAQs available within the portal.

JustWorks

JustWorks uses Optum Financial as its FSA administrator. Your claim is submitted through Optum Financial’s portal, not directly through JustWorks.

Required documentation:

  • Receipt
  • Truemed Letter of Medical Necessity (LMN)

Submission steps:

  1. Access the Optum Financial claims portal through your JustWorks account or directly at myoptumhealthfinancial.com.
  2. Follow the same steps as the Optum section above to complete your submission.
  3. Upload both your receipt and your Truemed LMN when prompted.

For additional information, refer to JustWorks’ FSA FAQs or contact support@truemed.com.

WEX

WEX supports claim submission through both its online portal and the WEX Benefits Mobile App.

Required documentation:

  • Receipt
  • Truemed Letter of Medical Necessity (LMN)

Online submission:

  1. Log in to your WEX account at benefitexpress.com or the WEX portal your employer provided.
  2. Navigate to the reimbursement section and select Reimburse Myself.
  3. Follow the on-screen instructions to enter your claim details.
  4. Upload your receipt and your Truemed LMN.
  5. Review and submit.

Mobile app submission:

  1. Open the WEX Benefits Mobile App and sign in.
  2. Navigate to the claim submission section.
  3. Select Reimburse Myself and follow the guided steps.
  4. Upload your receipt and your Truemed LMN.
  5. Review and submit.

WEX’s knowledge base includes specific walkthroughs for both “How to request a Health Savings Account (HSA) distribution in your online account” and filing claims through the mobile app. Refer to those guides for screenshots and additional detail.

Benefit Allocation Systems (BAS)

Required documentation:

  • Receipt
  • Truemed Letter of Medical Necessity (LMN)

Submission steps:

  1. Log in to the BAS participant portal at myenroll.com.
  2. Navigate to the FSA reimbursement section.
  3. Follow the on-screen prompts to begin your claim.
  4. Upload your receipt and your Truemed LMN.
  5. Review all information and submit.

For additional guidance, refer to BAS’s “Guide to Your FSA Reimbursements” available at basusa.com.

Employee Benefits Corporation (EBC)

Required documentation:

  • Receipt
  • Truemed Letter of Medical Necessity (LMN)

Submission steps:

  1. Log in to the EBC participant portal at portals.ebcflex.com.
  2. Locate the FSA reimbursement claims section.
  3. Begin the claim submission process by following the prompts on the portal.
  4. Upload your receipt and your Truemed LMN.
  5. Review all required information and attached documents.
  6. Complete your submission by following the remaining on-screen instructions.

For answers to common questions, refer to EBC’s Healthcare FSA FAQs at ebcflex.com/healthcarefsafaqs.

Payflex

Payflex supports claim submission through both its online portal and mobile app.

Required documentation:

  • Receipt
  • Truemed Letter of Medical Necessity (LMN)

Online portal submission:

  1. Log in to the Payflex portal at mypayflex.com.
  2. Locate the claim submission or reimbursement section.
  3. Follow the on-screen instructions to enter your claim details.
  4. Upload your receipt and your Truemed LMN.
  5. Verify all information and documents are accurate, then submit.

Mobile app submission:

  1. Download and open the Payflex Mobile app, then sign in.
  2. Navigate to the claim submission or reimbursement section.
  3. Follow the guided steps to enter your claim details.
  4. Upload your receipt and your Truemed LMN.
  5. Confirm all details and your document attachment, then finalize the submission.

Important: Both your receipt and your Truemed LMN are required for your claim to be processed. Missing documentation will delay or prevent reimbursement.

Basic

Basic supports HSA and FSA claim submission through its CDA System portal and the BASIC Benefits App.

Required documentation:

  • Receipt
  • Truemed Letter of Medical Necessity (LMN)

HSA claims

You can submit through either channel:

BASIC CDA System (online portal):

  1. Log in to the BASIC CDA System.
  2. Navigate to the reimbursement section.
  3. Upload your receipt and your Truemed LMN.
  4. Complete and submit the claim.
  5. Reimbursement is processed to MyCash, BASIC’s post-tax reimbursement account linked to your BASIC Card.

BASIC Benefits App:

  1. Open the BASIC Benefits App and sign in.
  2. Navigate to the claims or reimbursement section.
  3. Upload your receipt and your Truemed LMN.
  4. Submit the claim.
  5. Reimbursement is processed to MyCash.

FSA claims

  1. Open the BASIC Benefits App and sign in.
  2. Navigate to the FSA claims section.
  3. Upload your receipt and your Truemed LMN.
  4. Submit the claim.
  5. Your FSA reimbursement will be processed to MyCash, BASIC’s post-tax reimbursement account linked to your BASIC Card.

Navia supports out-of-pocket reimbursement claims for Health Care FSA, Day Care FSA, and HRA accounts through its Online Claim Submission tool.

Required documentation:

Gather itemized documentation that includes all of the following:

  • Service date — must fall within your plan year
  • Service or item description — details of what was purchased or provided
  • Amount paid — your out-of-pocket cost

Acceptable document types include itemized provider bills and insurance Explanations of Benefits (EOBs). Proof of payment is generally not required unless you are submitting an orthodontia claim. Do not submit cancelled checks or card receipts alone, as these are not accepted.

Submission steps:

  1. Log in to your Navia account.
  2. Navigate to the My Tools tab.
  3. Select the Online Claim Submission tool.
  4. Upload your itemized documentation (provider bill or EOB) and your Truemed LMN.
  5. Complete the on-screen process and submit.

Need to change your administrator?

If your HSA or FSA administrator has changed — for example, your employer switched providers — or if you selected the wrong administrator when completing your Truemed survey, Truemed can re-issue your Letter of Medical Necessity on the correct administrator’s template at no charge.

What Truemed will do:

  • Void your existing LMN
  • Re-issue a new LMN on your correct administrator’s official template within 1 business day

You do not need to retake the medical eligibility survey unless your health information has changed.

How to request the update:

  1. Reply to any existing Truemed email related to your order, or email support@truemed.com.
  2. Include your full name and the email address used in your original survey.
  3. Include the name of your correct administrator (for example, “HSABank” or “WEX”).

Processing timeline:

StepTimeframe
Confirm details and void previous letterWithin 1 business day
Re-issue new LMN on correct templateWithin 1 business day

You can request this update multiple times during your plan year. Your product’s eligibility is not affected by an administrator change.