The website of my HSA has recently began forcing all this rigmarole for submitting reimbursement claims that has made me nervous about them essentially possessing all this medical history on their site.
They now push you to define providers and give the addresses and optionally a medical ID / account number for that provider. Claims have to be dialed in with the dates of service, the patient's name and DOB, and optionally can upload a receipt to associate with the claim.
I realize they're trying to streamline the packaging of an auditable package of qualifying medical expenses and what not but I take care of such things myself with my own thorough record keeping. I don't really feel comfortable with a third party consolidating all this information of ours.
I'm thinking about just creating a generic bucket provider and reimburse all claims under myself. My question is how folks take this change of user experience for an HSA. Does a third party HSA entity really need all this information, what are the pro/cons of such a redesign? Could my generic strategy described above come back and bite me?
Prior to the redesign the only field they had was a description field that was listed on the statements and printed in a form where the end user detailed their own short hand of account information.
Here's some language that shows up on the web forms:
Provider - You can choose to list your provider/payee or choose self/other as the provider. This information is only used to complete the details needed for your records within the expense journal.
Entering expense information allows you to record the details of your payment in the Expense Journal.
Date of Service (optional)
Expense category (optional) None, Dental, Medical, Vision, Pharmacy, Dependent Care, Premium, Transportation