[Amanda]

I’m wanting to know what you have to provide. I asked an agent and they said just keep your receipts. Do they require the EOB from your insurance or anything else?

I plan to wait to get reimbursed in the future so I want to make sure I keep the correct documentation.

Thanks!

[Elizabeth]

You don’t need documentation to make the withdrawal. Just keep your documentation in case you get audited concerning the qualified withdrawals that you report at tax time.

At a minimum, you need a dated receipt showing who you paid the money to and the amount paid. In an ideal scenario, you would have a bill/invoice (showing what the charges were for to make sure it is a qualified expense), and EOB (showing you were not reimbursed by insurance for these charges), and a receipt (showing the date and amount paid). Obviously, if it is something like over the counter medicine or something simple like that, just an itemized receipt from the store is fine.

[Michelle]

You don’t need anything. Its your money and you can withdraw it for whatever you want…only you’ll be taxed and penalized if not for medical expenses.

So, keep your receipts if you’re ever audited by the IRS.

Don’t forget to take a look at: I would really like to hear if anyone else has found the HDHP/HSA to not always be a slam dunk

[Nate]

I haven’t required any proof on anything ever with them. I have every thing needed if they ask for supporting docs but have never needed them.

[Megan]

For every qualifyied expense have a PDF containing the following:
– Medical Visits: EOB, Itemized Bill, Proof of Payment.
– OTC: PDF of itemized receipt.
– Transportation costs: Download a receipt of public transportation ride from OMNY or a PDF of the Uber/Lyft/Taxi ride receipt.

[Jason]

Fidelity requires nothing. You just transfer the funds from HSA to a non-qualified account or your bank.

For the IRS, you need to document that these are qualified medical expenses for which you were not otherwise reimbursed or given a tax deduction. To me, that means receipts + EOBs + tax returns. I am not a tax pro, however.

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