Administrators and Plans

Your FSA, HSA or HRA is administered by an organization responsible for processing your reimbursement requests and managing your account balance. That could be an insurance company, a third-party administrator hired by your plan, or your employer's own benefits department. This section explains what administrators do: how they handle reimbursement requests, what documentation they ask for, how long decisions typically take, and what you can do if they deny a claim. Your plan document, written by your employer (or chosen by you if you have an HSA), decides what counts as an eligible expense and what your plan will and won't pay for. Because every employer designs their FSA and HRA rules differently, two FSAs at two different companies can have very different coverage. When an administrator denies a claim, Burst can help you write an appeal explaining why you deserve reimbursement. A letter of medical necessity gives administrators the clinical support they sometimes need when a purchase isn't obviously medical in nature.