How to Submit Documentation or File a Claim

Contents:

1. SUBMIT HRA AND FSA DOCUMENTATION Using the Clarity Mobile App (Recommended):
2. SUBMIT HRA AND FSA DOCUMENTATION Using the Clarity Portal
3. Receipt/documentation requirements
4. File a Claim Using the Clarity Mobile App (Recommended)
5. File a Claim Using the Clarity Portal
6. What Happens After You Submit Documentation or a Claim
7. How to Track Claim and Transaction Status
8. Reimbursement Timing
9. Important Reimbursement Notice
10. What Is an Explanation of Benefits (EOB)? 

SUBMIT HRA AND FSA DOCUMENTATION Using the Clarity Mobile App (Recommended): 

• Log in to the  Clarity Mobile App.
• Open the notification for the transaction that requires documentation.
• Select  Add a Receipt.
• Take a photo or upload one from your gallery.
• Select  Submit 

SUBMIT HRA AND FSA DOCUMENTATION Using the Clarity Portal:

• Visit claritybenefitsolutions.com and select  Login.
• Choose  Participant.
• Select the plan you want to manage (Employee Benefits).
• Log in using your Clarity credentials.
• In the next window, select  Pending/Processing
• Choose the transaction you are verifying and select  Add Receipt
• Upload your Explanation of Benefits or detailed statement, and  Submit.

Documentation Requirements

Reimbursements from an FSA or HRA may only be issued for qualified medical expenses incurred during your period-of-coverage. These expenses must be verified with a statement detailing the eligible expenses incurred.  

A standard credit receipt or a canceled check typically does not include all the required information. We recommend requesting an itemized statement or Explanation of Benefits (EOB) from your provider before submitting a reimbursement request.  

Receipts from retail point-of-sale systems may be acceptable if the item descriptions are clear and readable. Online invoices and purchase histories often provide clearer documentation, especially for eligible items such as  over-the-counter (OTC) medications and  feminine hygiene products.

Documentation requirements may vary slightly depending on your plan and the type of expense. You should retain documentation for all expenses you intend to submit for reimbursement.

Documentation for eligible medical expenses typically need to have these five key pieces of information to be processed for reimbursement: 

1. Service Type
2. Service Start/End Date
3. Claimant
4. Claim Amount
5. Who to Pay
6. Provider Name
7. Account Number

How to File an HRA or FSA Claim

File a Claim Using the Clarity Mobile App (Recommended) 

1. Log in to the  Clarity Mobile App.
2. Select  Add Expense  from the home screen.
3. Enter the required claim details:
   • Service type
   • Service start and end date
   • Claim amount
4. Upload your detailed receipt or documentation.
5. Review the certification and submit your claim. 

File a Claim Using the Clarity Portal 

1. Visit claritybenefitsolutions.com and select  Login.
2. Choose  Participant, then select  Employee Benefits.
3. Log in using your Clarity credentials.
4. Select  File a Claim  and enter your claim details:
   • Service type
   • Service start and end date
   • Claim amount
   • Provider name
5. Upload your documentation and submit. 

What Happens After You Submit Documentation or a Claim 

Most  non-HRA claims  are reviewed within  2–3 business days. You will be notified once your claim has been approved or if additional information is needed. 

How to Track Claim and Transaction Status 

You can view the status of your transactions and claims at any time using the Clarity Mobile App or the Clarity Portal. 

Reimbursement Timing 

Reimbursement timing depends on:

• When the claim is submitted and approved
• Your employer’s reimbursement schedule
• Your selected reimbursement method (check or direct deposit)

Non-HSA Claims

• Checks are issued weekly and typically arrive within 7–10 business days
• Direct deposits are issued daily and typically post within 1–3 business days

HSA Claims

• Reimbursements are participant-scheduled and processed daily
• Direct deposit typically posts within 1–3 business days 

Important Reimbursement Notice

Reimbursements are issued only after your total approved claim amount reaches a minimum of  $10. If approved claims total less than $10, reimbursement will be held until additional approved claims bring the total to $10 or more. 

What Is an Explanation of Benefits (EOB)? 

An  Explanation of Benefits (EOB) is a document provided by your insurance carrier that explains how a claim was processed. It is  not a bill.

An EOB typically shows:

• Services provided
• Amount billed by the provider
• What insurance covered and did not cover
• What insurance paid
• The amount you are responsible for

Information Commonly Found on an EOB

• Account summary (patient name, dates of service, claim number)
• Claim details (services and dates)
• Amounts charged, allowed, paid, and adjusted

Most EOBs also include information about:

• Copays
• Coinsurance
• Deductibles  applied under your health plan