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My HSA/FSA Administrator Isn't Listed on Crates

Written by Anchor Ebanks

Quick Answer: Even if your admin isn't one of our 8 supported admins, Crates still works with them. Choose My administrator isn't listed and type the name. No SSN or account number. You'll get your LMN from Crates, download the letter and the receipt, and submit them to your admin's portal yourself. Our LMNs meet IRS requirements and work with any HSA/FSA admin.

Crates Works With All Admins

Crates can issue LMNs for any HSA/FSA admin. Whether your admin is a major national one or a small regional one, the documentation meets the same IRS standard.

The difference is in the reimbursement process:

  • Supported admins (8 total): Bank of America, Fidelity, FSAFEDS (FSA only), HealthEquity, HSA Bank, Navia, Optum, and WEX. On Letters and reimbursements, Add a receipt, then Continue reimbursement. Crates fills and sends the claim when the account type matches.

  • All other admins: If Crates cannot send to that administrator, including a name typed as My administrator isn't listed, you submit it yourself. The letter and the receipt stay available to download.

How to Submit When Your Admin Isn't Supported

Step 1: Get Your LMN Through Crates

When you get a letter, Step 1 of 2 asks Where is your health account held? Choose HSA or FSA, then the administrator, or My administrator isn't listed and type the name. No SSN or account number. You can also set this under Profile, HSA or FSA.

Step 2: Make Your Purchase

Buy your product wherever you normally would. Save the itemized receipt (showing product name, date, amount, and merchant).

Step 3: Download Your LMN

Open Letters and reimbursements and choose View the original letter. The letter and the receipt stay available to download.

Step 4: Submit Through Your Admin's Portal

Log into your admin's website or app and: 1. Find the "Submit a Claim" or "Request Reimbursement" section 2. Upload your itemized receipt from the retailer 3. Upload your Letter of Medical Necessity from Crates 4. Enter the amount and date 5. Submit

Step 5: Wait for Processing

Your admin will review and process the claim according to their standard timeline.

Admins Our Members Have Used Successfully

Beyond our 8 supported admins, members have successfully submitted claims through:

  • Beniversal (Benefit Resource)

  • Benefit Wallet

  • PayFlex

  • TASC

  • Inspira

  • And many more

We're continuously working to expand our supported admin list. Our goal is 100% coverage.

For an administrator that is not one of those 8, you submit the letter and the receipt yourself. Both stay available to download.

If Your Admin Causes Issues

Some less common admins may have unique requirements or quirks. If you run into trouble:

  1. Get the specific denial reason from your admin

  2. Contact Crates — Tell us which admin you have and what they said

  3. We'll help you navigate it — We may be able to provide additional documentation, different formatting, or other solutions

Tips for Non-Supported Admins

  • Research your admin's claim process before you need it — find out how to submit claims, what documentation they require, and their processing timeline

  • Call their customer service and ask specifically: "How do I submit a reimbursement claim for an expense with a Letter of Medical Necessity?" This tells you exactly what to expect.

  • Check with your employer's HR department — They may have specific guidance or contacts at the admin

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Still Need Help?

Chat with us or email [email protected] and tell us which admin you have. We'll walk you through the process for your specific situation.

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