For Employees
Q- Can orthodontics be reimbursed and how?
A- Orthodontics can only be reimbursed as services are incurred. Approximately one third of the total cost can be reimbursed up front, as it can be attributed to the molds, application of appliances, etc. After that, reimbursement can be made in monthly payments, throughout the duration of the treatment plan as services are incurred.
 In order to be reimbursed for orthodontic expenses, you must provide a copy of the orthodontic contract, along with an explanation of benefits from the insurance company (if insurance is covering any portion of the orthodontics).
Q- Is Teeth bleaching covered?
A-No, teeth bleaching is considered cosmetic. Cosmetic procedures are not medically necessary.
Q- Can off brand OTC items qualify for reimbursement?
A-Yes, name of medicine must be clearly itemized on receipt.
Q- Can I turn in expenses for my spouse/children?
A- Yes, all eligible dependent’s medical expenses qualify under your flexible spending account.
Q- Can I claim expenses for dependents that are not covered under my health insurance?
A- In a Section 125, Flex Plan, Yes as long as they fall under the guidelines for an eligible tax dependent. In a Section 105 HRA it is a design choice (refer to your SPD for detailed information).
Q- When is the deadline for turning in claims?
A- 12:00pm prior to the day of processing.
Q- Are dental expenses covered?
A- Yes, if you have dental insurance you MUST submit an Explanation of Benefits from your dental insurance carrier. If you do not have dental insurance please indicate that on your form/receipt.
Q- Is a paid receipt sufficient documentation?
A- EOB’s are required for expenses other than copays.
Q- What is an EOB?
A- An EOB is an explanation of Benefits you receive from your insurance provider. EOB'S WILL REFLECT THE DATE OF SERVICE, SERVICES RENDERED, TOTAL COST OF PROCEDURE, TOTAL INSURANCE COVERAGE AND TOTAL PATIENT RESPONSIBILITY.
Q- Do I have to pay for an expense before I can be reimbursed for it and do I have to show proof of payment?
A- No, you are not required to have paid for the expense in order to be reimbursed. Reimbursement is based on services incurred and the charges associated with those services.
Q- Can I submit my claim via email?
A- Yes
Q- Where can I find a list of approved IIAS Merchants?
Download IIAS Merchant List 
Q- Is there a complete list for eligible health care expenses?
A- Yes, click this link and type a Access-Code of: altben
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