Documentation for Health FSA Reimbursements

When submitting a Health Flexible Spending Account (FSA) reimbursement request, it’s important to understand that a credit card receipt alone is not sufficient documentation for approval. While a receipt may show the date, merchant name, and amount paid, it does not provide the necessary details to verify that the purchase was for an eligible medical expense. The IRS requires itemized documentation, such as an Explanation of Benefits (EOB) or a detailed provider invoice, that specifies the type of service or product, the patient’s name, and proof that the expense was medically necessary. Without this information, a credit card receipt does not meet compliance requirements, and the reimbursement request may be denied.

What Documentation Is Required Instead? 

You must submit one of the following types of documentation that meet IRS requirements: 

1. For Medical Services:
   • An itemized statement or an Explanation of Benefits (EOB) that includes:
   • Patient name
   • Provider name
   • Date of service
   • Description of service (or procedure code)
   • Amount paid
2. For Prescriptions:
   • A receipt or pharmacy statement showing:
   • Patient name
   • Pharmacy name
   • Fill date
   • Prescription number
   • Amount paid
3. For Medical Items or Over-the-Counter (OTC) Purchases:
   • A receipt with:
   • Merchant name
   • Date of purchase
   • Description of the item (specific product name)
   • Amount paid

If you offer an FSA administered by BAS and a participant is unsure whether documentation is sufficient, have them contact Customer Service at

• Email: service@myenroll.com
• Phone: 1-800-945-5513

Benefit Allocation Systems (BAS) provides best-in-class, online solutions for: Employee Benefits Enrollment; COBRA; Flexible Spending Accounts (FSAs); Health Reimbursement Accounts (HRAs); Leave of Absence Premium Billing (LOA); Affordable Care Act Record Keeping, Compliance & IRS Reporting (ACA); Group Insurance Premium Billing; Property & Casualty Premium Billing; and Payroll Integration.

MyEnroll360 can Integrate with any insurance carrier for enrollment eligibility management (e.g., Blue Cross, Blue Shield, Aetna, United Health Care, Kaiser, CIGNA and many others), and integrate with any payroll system for enrollment deduction management (e.g., Workday, ADP, Paylocity, PayCor, UKG, and many others).