reezypro t1_jegdha9 wrote on March 31, 2023 at 8:35 PM

Reply to comment by UGA10 in Using FSA and HSA to help a family member? by [deleted]

Thank you, could you please elaborate on this? Not a dependent under a plan. Is it pretty much a given that this would be detected as not my transaction and if so, what kind of penalty could there be?

27Believe t1_jegdu3w wrote on March 31, 2023 at 8:38 PM

Well it’s fraud. Better off just working out a payment plan, stop your contributions and pay for it that way if you want.

UGA10 t1_jege5d6 wrote on March 31, 2023 at 8:40 PM

Most plans will ask for documentation on the purchase to validate that they are qualified because they want to make sure their plan remains in good standing and qualified.

So there is a pretty good chance that it is caught, unless you plan on outright lying to them. Then that's entirely different ballgame...

reezypro t1_jegeoki wrote on March 31, 2023 at 8:43 PM

No, this not what I want to do. In the past, when I used the card at a dental office I just swipped it, it was approved and that was it. I was using my own FSA or HSA funds and not insurance. I was interested in knowing if following up was a thing.

UGA10 t1_jegeua5 wrote on March 31, 2023 at 8:44 PM

Even when you swipe the card, the plan provider can request additional documentation to validate the charge is qualified.

reezypro t1_jegfd1p wrote on March 31, 2023 at 8:48 PM

I understand, thank you for the response. Are you bading on direct knowledge? I am wondering about what kind of processing happens at the time of the swipe and what could happen other than denial. What could a punishment be.

AllTheyEatIsLettuce t1_jegiwfx wrote on March 31, 2023 at 9:12 PM

What happens other than denial of the purchase is the vendor asking you for some money out of some other pocket of your money to pay its charges and you not being able to come up with a substantive enough reimbursement request to the scheme operator to give you back your money from "FSA."