fsafeds.comReviews of fsafeds.com

FSAFED is a total scam. I have had medically eligible expenses with medical necessity letter denied with no explanation or what additional information is required. I have had the same procedure from the same provider with consistent documentation/receipt with some approved and some denied. Wouldn’t surprise me at all if there is a kickback for denying claims.

Very poor at reimbursement. Even with a letter of medical necessity they will not pay out the full amount for items. If this was insurance money I would understand, but this is MY money that I put into the account. Absolutely ridiculous. Do not use this service

Does not provide a card, only reimbursement, which means you have to front your own money many times, and when you go to submit a receipt, half the time the app gives a network error, so you can't immediately submit receipts, making them hard to keep track of. Feds should have an alternative option to encourage this service to step up its game. It wouldn't take much for any other FSA service to outperform them.

Denied, Denied, Denied for an Iron defiency because they need codes and a note that has a physical signature. Letterheads from the VA are not good enough. Now I'm stuck with 8 plus resubmits for a 41 dollar iron supplement....And it's my money. I'm increasing my TSP next year (2027) with this money, and cancelling FSAFEDS since they like playing games. DONE

They suck! Worst company for FSA reimbursement. If they approve the expense, it is quickly paid (their only positive). Their document requirement is abnormally demanding. It’s very variable on what is approved. Even if the receipt says fsa on it, they may still deny the claim. They make medical offices do additional work to provide necessary documents than the standard. Would never recommend this company.

"What went wrong this time?" That's a good suggestion, as to how to begin my review. For years, very often I've had my claims denied. As I've told their customer service reps many times, as a federal civilian employee, if I had any choice whatsoever for another flexible spending account, I would immediately drop FSAFEDS. The heartache and frustration don't seem to be worth the income tax savings - so this may be my final year that my family and I have ANY flexible spending account. The latest problem: Last year I spent $690 as a one-time payment for Chiropractic Care. After resubmitting that claim, I was reimbursed in January 2025. With the already long history of denied claims, a couple weeks ago I took the receipt that FSAFEDS accepted last year for reimbursement to the secretary in the chiropractor's office. She very graciously wrote a customized receipt - with the exact wording, and fee, from my approved claim in January 2025. I submitted that receipt on January 5, 2026, but it was denied. I then called FSAFEDS and spoke with a supervisor who suggested a way to have the claim paid upon resubmission - but it was denied a second time. When I called FSAFEDS again, another customer service rep agreed that it "should" have been reimbursed, and she resubmitted my claim for payment - only to have it denied a third time. I then called FSAFEDS yet again, and another customer service rep told me to make another slight change in the wording, which I did - only to have it denied for the fourth time. Today I called yet again, and spoke to another supervisor. She said I should start over again with the FSAFEDS "Health Claim Form"; drive back to the chiropractor for another 1-hour roundtrip; and have the chiropractor actually "sign" the health claim form. I did that, and I uploaded that signed form this afternoon. Since I'm not an idiot, I have no confidence that this $690 claim will ever be paid - either after this fifth attempt, or at any time in the future. The only further recourse of which I'm aware, would be to file a complaint with my member of Congress. Obviously, almost the "last" thing I would "want" to do would be to spend all of that additional time, after the hours I've already spent on this claim. Bottom line: It would be difficult to imagine a more broken and dysfunctional system than that of FSAFEDS. I'm quite sure, however, that the claims processors would be more willing to follow the instructions of the supervisors in their customer service department, if their "own" funds and livelihood were at stake. Maybe that's the only way to fix this mess - too bad they would never allow it.

Submitting process for claims is absolute garbage

FSAFEDS IS MORE OF A CRIMINAL ORGANIZATION. They deny claims constantly especially if they're closer to the 4 figure claims. On multiple occasions I provided receipts that were provided to me by kaiser and other medical providers and on a majority of those instances they denied my claims. They are ran more like a criminal organization that continously denies your claims and keeps your money. A bunch of thief's. If you have 4000 or more taken from your pay and get $100 back on approved claims, they're criminal. Anyone else would have an attorney general or district attorney breathing down their necks, well, not these guys.