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Flexible Spending Accounts (FSAs): Health Care FSA and Limited Purpose FSA FAQ

There are two types of health-related FSAs (also referred to as flexible spending arrangements):

  • Health Care FSA: A special account you put money into that you can use to pay for certain out-of-pocket health care costs. You don't pay taxes on this money. This means you'll save an amount equal to the taxes you would have paid on the money you set aside.
  • Limited Purpose FSA: A spending account that, unlike a Health Care FSA, can be used in combination with a Health Savings Account (HSA). Contributions are made using pre-tax earnings. A Limited Purpose FSA is a more restrictive version of a standard health care FSA because this arrangement is restricted to the payment of eligible dental and vision expenses only.

You can file a claim via your online member portal, the LBS Health Spending mobile app, and by fax or mail.

For instructions on how to log in to your online member account or mobile app for the first time, visit: https://www.lifetimebenefitsolutions.com/start

For mailed or faxed claims, you can obtain a Reimbursement Request Form here. The address and fax number can be found on the claim form and are also listed below.

Lifetime Benefit Solutions
Claims Department
PO Box 211126
Eagan, MN 55121
Fax: (877) 256-7228

The Internal Revenue Service (IRS) keeps a list of products and services that are eligible, or qualified, to be covered by your FSA funds. For something to be considered eligible, it must be defined as a medical expense under Section 213(d) of the Internal Revenue Code. This list is updated frequently. You can view a list of many common products and services and whether or not the IRS considers each as qualified expenses by following these steps:

  • Log in to your online account
  • Click on the Tools and Support tab
  • Under the Quick Links section, click on EBIA's Health Care Expense Table
  • Accept the notification that you are being redirected to a different website. This will bring you to a list of common expenses categorized as "qualifying", "potentially qualifying", or "not qualifying" according to 213(d) eligibility (IRS).

Your Limited Purpose FSA can be used to pay for eligible dental and vision expenses. Common items and services that are considered qualified expenses under a Limited Purpose FSA include:

  • Dental and vision provider visits (copayments, deductibles, coinsurance)
  • Orthodontia
  • Dental X-ray fees
  • Contact lenses
  • Eye surgery

Your card may decline for one or all of the following reasons:

  • Account balance has been exhausted
  • You have an outstanding Request for Information (RFI) for a previous transaction -- please refer to our RFI FAQs for more information: http://www.lifetimebenefitsolutions.com/members/faq/rfi/
  • Ineligible product or service
  • Merchant/provider is not set up to accept the LBS Health Spending Card, but you are still able to manually submit a claim for reimbursement for eligible expenses
  • Merchant/provider may have keyed information incorrectly (e.g., incorrect expiration date or CVV code)
  • Your LBS Health Spending Card may be expired

If this is your first time logging in to the online member portal, please click here for detailed instructions on how to set up your account.

Once you are logged in to your online account, hover over your name in the upper right corner and select Login Information. Click on the Change Password option to update your password.

When you are attempting to log in to the member portal, select Forgot Username? or Forgot Password? and enter the requested information. Your username will display, and you will be prompted to create a new password. Please note: the username/password reset is only accessible if you have previously created unique login credentials and answered security questions.

You can have your online account unlocked by contacting our dedicated Customer Service Department Monday - Thursday 8:00 AM to 5:00 PM (EST) or Friday 9:00 AM to 5:00 PM (EST) by calling either the telephone number on the back of your LBS Health Spending Card or 1-800-327-7130. You may also request your account be unlocked by emailing us at [email protected] 

NOTE: Please know there is risk with sending your personal information through unsecure or unencrypted email. There is a risk that unencrypted email could be intercepted during transmission and your personal information could be viewed without your permission. If you include personal information in an unencrypted email you send to Lifetime Benefit Solutions, Inc. (LBS) and the information were to be intercepted or viewed, LBS would have no way to know that this has happened and would not be responsible for any unauthorized access of your information. Unauthorized access could result in misuse, fraud or other harmful effects. Your internet service provider may have access to the information in an unencrypted email and may retain it in their systems.

An itemized receipt MUST include:

  • Provider name
  • Patient name
  • Date of service (DOS)
  • Description of service
  • Amount charged
  • Any insurance payments (if applicable)
  • Patient responsibility (amount being claimed)

You can obtain an FSA claim form from our website, LifetimeBenefitSolutions.com, or from the online member portal.

From the website:

  • Click on the Members tab at the top of the screen
  • Select Forms under the Resources section
  • Under Spending Accounts, click View All Forms
  • Under the FSA section, select Reimbursement Request Form

From the member portal:

  • Click on the Tools & Support tab
  • Under the Documents & Forms section, select Reimbursement Request Form

Once you are logged in to your online account, hover over your name in the upper right corner and select Banking\Cards. Under the Bank Accounts section, select View/Update to enter your updated information.

Once you are logged in to your online account, hover over your name in the upper right corner and select Banking\Cards. Under the Bank Accounts section, select View/Update to enter your updated information.

You can fax your claim form to (877)256-7228.

You can email your claim form to [email protected] 

NOTE: Please know there is risk with sending your personal information through unsecure or unencrypted email. There is a risk that unencrypted email could be intercepted during transmission and your personal information could be viewed without your permission. If you include personal information in an unencrypted email you send to Lifetime Benefit Solutions, Inc. (LBS) and the information were to be intercepted or viewed, LBS would have no way to know that this has happened and would not be responsible for any unauthorized access of your information. Unauthorized access could result in misuse, fraud or other harmful effects. Your internet service provider may have access to the information in an unencrypted email and may retain it in their systems.

You can mail a claim form to:

Lifetime Benefit Solutions
Claims Department
PO Box 211126
Eagan, MN 55121
Fax: (877) 256-7228

You can reach a dedicated Customer Service Representative Monday - Thursday 8:00 AM to 5:00 PM (EST) or Friday 9:00 AM to 5:00 PM (EST) by calling either the telephone number on the back of your LBS Health Spending Card or 1-800-327-7130.

Yes. You can send your question via email to [email protected]

NOTE: Please know there is risk with sending your personal information through unsecure or unencrypted email. There is a risk that unencrypted email could be intercepted during transmission and your personal information could be viewed without your permission. If you include personal information in an unencrypted email you send to Lifetime Benefit Solutions, Inc. (LBS) and the information were to be intercepted or viewed, LBS would have no way to know that this has happened and would not be responsible for any unauthorized access of your information. Unauthorized access could result in misuse, fraud or other harmful effects. Your internet service provider may have access to the information in an unencrypted email and may retain it in their systems.

A plan year resets on the renewal date of your company's plan. For example, if your health plan renews on May 1 each year, then your plan year would run from May 1 through April 30 of the following year and reset on May 1.

A calendar year begins on January 1 and ends on December 31. Calendar year plans reset every January 1.

Each employer's restrictions may vary; however, as a general rule, the LBS Health Spending Card can only be used for transactions that occur in the current plan year. Claims for previous plan years can be submitted manually until the final filing date through the member portal, LBS Health Spending app, fax, mail, or email.

Yes. The renewal process for LBS Health Spending Cards can begin up to 2 months before the current card expiration date for active accounts.

LBS Health Spending Cards are good for three (3) years, regardless of if you enroll in an FSA or a different LBS spending account. You will want to keep your card for three (3) years whether you enroll in a spending account or not.

You should receive your set of two (2) new LBS Health Spending Cards within 10 to 14 business days.

Your claim will be processed within seven (7) business days. Once processed, the claim will be reimbursed in the next scheduled reimbursement funding process that occurs each week.

To learn about "Requests for Information", please visit our FAQs for RFIs here.

A letter of medical necessity, also referred to as a certificate of medical necessity (CMN), is a letter written by your physician and is required by the IRS for certain eligible expenses. This letter is used to certify that the medication/service/item you are obtaining with your Health Care FSA is for the diagnosis, treatment, or prevention of an existing or imminent medical condition. You can obtain a blank copy of a certificate of medical necessity form here to have your doctor fill out. The form can also be found by following these steps:

  • Click on the Members tab
  • Select Forms under the Resources section
  • Under Spending Accounts, click on View All Forms
  • Under the FSA section, select Certificate of Medical Necessity 

You can obtain a list of common expenses on our website by clicking the Members tab, then click on Qualified Expenses List under the Resources section. Scroll down to the sections titled "Potentially Qualifying Health Care Expenses" and "Potentially Qualifying OTC (Over-the-Counter) Expenses". Any products or services listed under these sections would require a certificate of medical necessity.

For a certificate of medical necessity to be considered valid, it must include:

  • The name of the member receiving the product or service
  • The specific medical condition/diagnosis requiring the product or service
  • The recommended treatment/product/service
  • A description of how the product or service will alleviate the symptoms or diagnosis
  • Duration of recommended treatment or length of time the product/service will need to be used
  • Physician's name and signature who is recommending the treatment/product/service

To ensure that all information needed is received, please consider having your doctor complete the Certificate of Medical Necessity form as it asks for all required information.

Please note: Any claims for dates of service outside the duration indicated on the certificate of medical necessity will not be eligible for reimbursement. If a longer treatment is required than originally planned, a new certificate of medical necessity will need to be completed and submitted to LBS.

The certificate of medical necessity must be submitted prior to your plan's final filing date. You can confirm the final filing date on the online member portal. Once you've logged in, take a look at the Accounts section on the home page. Hover over the question mark next to the applicable FSA. A box should appear that lists the Final Filing Date for your plan.