How-To Guide Intro

Flexible Spending Account (FSA) and/or Health Reimbursement (HRA) plan participants can use this guide to learn or review how to file claims, view funds available, report or update your email address for timely Tri-Star notices, establish or update banking information and more!

After your FSA/HRA enrollment information is reported to Tri-Star by your employer, your account information is available through your Account Login. For assistance with accessing your account, see How to Access Your Tri-Star Account below. Once you have securely accessed your account, follow the steps in Before You File Your First Claim to set up payment and notice features on your account.

Caution! If your HRA (DRA) plan includes a feature to auto-file claims reported to us by your insurance carrier, please do not file claims on your account. Your employer will communicate specifics on how to access funds if this feature is in place for your plan.


Participant Login

Securely login to your Tri-Star account for access to items 1-8 below. Item 9 tells you how to close out your internet account access.


How to Access Your Tri-Star Account

  1. Click on the Login tab.
  2. Type your Email, Account Number, or Employee ID for the User Name in the box.
  3. Type in your Tri-Star Password* & click Log In.

*If you need your password, mouse click on the link “I forgot my Password or I never received one” and complete the information requested and click Submit. Then look for an email from us to obtain your password and continue as explained above in 1 - 3.

How to Access Your Tri-Star Account

Before You File Your First Claim

As a new participant, set up 1) direct deposit for payments, and 2) a current email address for fast notification of payments. Remember to update email addresses and banking information as you make changes during the year to avoid payment or notice delays.

For priority claims processing, use eFile (instead of completing a paper claim form).


Set Up Direct Deposit for Payments by Tri-Star

Direct deposit automatically deposits funds to your designated bank account and saves you time lost in mail delivery and the trip to the bank to deposit a physical check.

  1. Click on the Direct Deposit tab.
  2. Type in your banking information in the boxes.
  3. Click Submit to save the information.

Set Up Direct Deposit for Payments by Tri-Star

Set Up Your Email Address with Tri-Star

When paid by direct deposit, a notice of deposit will be sent to your email address when the payment is sent to your bank. Because funds availability at your bank depends on their deposit rules, always verify the deposit before using these funds.

Note: To ensure that your e-mail spam filter does not block notices from Tri-Star, you should enter the following e-mail addresses—operations@tri-starsystems.com and claims@tri-starsystems.com—in your e-mail address book as trusted addresses. It is important that you maintain a valid email address and allow these addresses in order to receive timely notices from Tri-Star.

  1. Click on the Change Email Address tab.
  2. Type in the email address you want us to use in the box.
  3. Click Submit to save the information.

Set Up Your Email Address with Tri-Star

eFile: Electronically File Claims

  1. Click on the eFile or View Claims tab.
  2. Select the Plan Year in which the service was provided and the type of account using the arrows in the drop-down lists.
  3. Click Submit when the correct year and account are in the boxes.
  4. Click on Submit a New Claim (see Figure 1), type your claims detail in the appropriate boxes & click on Submit.
  5. To submit another claim, click on Submit a New Claim and enter that claim as you did in number #4 above. If you’ve completed reporting your claims, go to #6.
  6. After entering your claim(s), click on Print a Fax Cover Page (see Figure 2).
  7. When you see the completed claim form, click on Print this Page (see Figure 3) to print the form. Sign the printed claim form and fax it to Tri-Star with supporting documentation for expedited processing.

Note: eFiled claims are generally reviewed within 2 business hours after receipt of your faxed form and supporting documentation. If you have reported an email address to us, you will receive an email notifying you of a payment when we release the payment. If you want to view all claims filed & processed, see View All Claims below.

View Claims Previously Filed

  1. Click on the eFile or View Claims tab.
  2. Select the Plan Year in which the service was provided and the type of account using the arrows in the drop-down lists.
  3. Click Submit when the correct year and account are in the boxes.

Note: See Claim Approval Timing next for information on our processing timeline.

View claims

View Claims Payments

  1. Click on the Claims Paid tab (see Figure 4).
  2. Select the Plan Year in which the service was provided and the type of account using the arrows in the drop-down lists.
  3. Click Submit when the correct year and account are in the boxes.

View Your Account Summary and Funds Available

  1. Click on the Account Summary tab (see Figure 4).
  2. Select the Plan Year in which the service was provided and the type of account using the arrows in the drop-down lists.
  3. Click Submit when the correct year and account are in the boxes.

Log Out

To leave your account, click on Log Out (see Figure 4).


Filing Paper Claims

Select FSA/HRA Forms from the Participant menu to view forms to download & print. Select the form applicable to your plan with your employer. If your employer is not listed separately, use the general form. Fax or mail the completed and signed form and supporting documentation to Tri-Star as noted on the form. Instead of printing and submitting a form, eFiling your claim to expedite processing.


Qualifying Expenses/Tools/Links

Open this page to find lists of qualifying expenses and IRS Publications relative to your plan(s). Use these tools during open enrollment to assist in planning your election amount for the upcoming plan year, to research expenses that qualify for payment of funds contributed and more. By selecting the Qualifying Expenses Table, you can click on the “+” sign to display additional information, when available. You may access additional guides for information on claiming orthodontics expenses and over-the-counter (OTC) medical supplies, items that could be a bit more challenging.

Qualifying Expenses/Tools/Links

FAQs

Learn more from questions frequently asked by fellow participants. Click on the plus sign (+) beside the question to display the answers.

FAQs

Claim Approval Timing

  • Claims Submitted Using eFile: You may view approved claims by the end of the business day after you have provided supporting documentation for the eFiled claims. See View All Claims above for how to view claims.
  • Claims Submitted Using a Paper Claim Form (not eFiled as above): Paper claims are generally reviewed and entered into our system by the third business day after receipt. Please allow extra processing time if not using eFile.

Claims Payment Rules

  • Direct Deposits: All payments made directly to your bank account are effective the banking day after initiated by Tri-Star. Please verify that the funds have been deposited in your account before spending these funds. Tri-Star is not responsible for overdraft fees associated with rejected deposits, deposits accepted into closed accounts or similar personal matters.
  • Paper Checks: No paper checks are issued until claims exceed $25 or the remaining balance in the account. The only exception to this rule is when the filing deadline has passed and final payments for the Plan Year are issued. Paper checks will only be issued weekly on Fridays.

FSA/HRA Debit Card Information

Caution: Your card may be restricted to payments for prescription medicine (IIAS Merchants) or possibly restricted to dental and vision expenses in order to comply with your company's benefit plan design. Please refer to your employer's plan for details relative to your plan.

If your employer offers or provides a stored-value debit card, review this section of the web site to learn how to activate your card, learn where your card will work and when you should anticipate receiving a notice to send in supporting documentation for your card swipe. The use of these cards is governed by the IRS. When the physician, hospital or merchant uses your card, they are paid from funds available in your Health Care FSA/HRA account.

If you receive a letter requesting documentation of the expense, do not send proof that you paid using your card. The IRS requires that we have support for the type of expense, the date it was incurred and the amount. We will ask for the documentation only when it is necessary to comply with the regulations.

Your debit card only uses FSA/HRA funds from the plan year account in which you pay. The card does not look back at the old year to use funds from that year. After the old plan year is closed, qualifying expenses incurred during the Grace Period will be rolled back to the old plan year to reduce your remaining balance, only up to the available balance. At the same time, a corresponding amount is added to the new plan year available balance and funds are restored on your Benny Card. If you do not have an account in the new plan year, you can file a claim form for services provided in the Grace Period to access your available funds.

Cautions! All participants issued a Benny Card must maintain a valid email address for communications. Please see Email Setup above for instruction on how to report your preferred address to Tri-star.

Your card could be inactivated if you use it to pay for services provided before the beginning of the plan year, pay for an expense that does not qualify for your account or end your employment with your employer. We will communicate to the email address you have provided if your account requires supporting documentation or your card is going to be inactivated.

Grace Period Expenses

Your plan may include a provision for incurring expenses up to 2 months and 15 days after the end of your Plan Year. This period is called the Grace Period. Information provided below only applies to employer plans that have adopted this provision. Please refer to your plan’s Summary Plan Description for specifics applicable to your plan, including whether it includes this provision.

  • Claims: Claims are processed by Tri-Star against the Plan Year in which services are provided. If you have remaining funds available after the claims filing deadline for the plan year and have filed claims for services provided during the Grace Period for your plan, funds available in the oldest year will be reduced and funds available in the new plan year will be restored, up to the amount of the funds available in the oldest plan year.
  • Debit Card Transactions: Your Benny card only uses FSA funds from the plan year account in which you pay. The card does not look back at the old year to use funds from that year. After the old plan year is closed, qualifying expenses incurred during the Grace Period will be rolled back to the old plan year to reduce your remaining balance, only up to the available balance. At the same time, a corresponding amount is added to the new plan year available balance and funds are restored on your Benny Card. If you do not have an account in the new plan year, you can file a claim form for services provided in the Grace Period to access your available funds.

Blog

View recent blog topics, receive notice of new blog postings posted and comment or inquire on topics of interest to you. This is a great way to keep informed of IRS topics applicable to your plan(s)!


Security and HIPAA Privacy

  • Web Site: The Tri-Star site used for your account login is completely secure, protected with a 256 bit SSL (Secure Socket Layer) certificate, encrypting all information flowing to and from the site.
  • Email Addresses: Tri-Star does not share email information with anyone for any reason. This is used only by Tri-Star to communicate efficiently with you.
  • HIPAA Privacy: Healthcare FSAs and HRAs are protected by privacy and security laws as required under HIPAA. Account identity, claims payments, claims details and other information associated with your account may only be shared with you, the participant.

If you would like to authorize a spouse, guardian or someone else to discuss details regarding your account, you must sign a formal release form with Tri-Star. You may read our security agreement and can obtain the HIPAA Release Form from our web site under the Privacy tab. In order to comply with this law, a law enacted for your protection, we cannot release information without this signed form on file. You may also share your Login information with this person if you want them to view information online.


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