Quick Answer: Your HSA/FSA admin is the company that manages your health savings or flexible spending account. Crates can issue LMNs that work with any admin. For 8 supported admins (HealthEquity, Optum, Fidelity, WEX, Navia, FSAFEDS, HSA Bank, Bank of America), you can also submit reimbursements directly through Crates with one-click reimbursement.
What Is an HSA/FSA Admin?
Your admin (sometimes called "custodian") is the company that: - Holds your HSA/FSA funds - Processes your claims and reimbursements - Issues your debit card - Reports to the IRS on your behalf
They're the gatekeeper between your purchase and your reimbursement. Understanding how your specific admin works can make the difference between a smooth claim and a frustrating denial.
How to Find Out Who Your Admin Is
Check your HSA/FSA debit card — The admin's name is usually printed on it
Check your pay stub — Look for HSA or FSA deductions and the associated company
Log into your benefits portal — Your employer's benefits website will show your admin
Ask HR — Your human resources department knows
Supported Admins (One-Click Reimbursement Through Crates)
For these 8 admins, you can upload your itemized receipt to your Crates dashboard and submit reimbursements directly — our in-house claims team reviews and finalizes the submission:
Admin | Account Type | Our Guide |
HealthEquity | HSA, FSA | |
Optum / Optum Bank | HSA, FSA | |
Fidelity | HSA | |
WEX | HSA, FSA | |
Navia | FSA, HSA | |
FSAFEDS | FSA (Federal employees) | |
HSA Bank | HSA | — |
Bank of America | HSA | — |
Don't See Your Admin?
If your admin isn't one of the 8 above, don't worry — Crates still works with them. You can get your LMN from Crates for any admin. The difference is the reimbursement step:
Get your LMN from Crates
Make your purchase and save your itemized receipt
Download your LMN from your Crates dashboard
Log into your admin's portal
Submit a reimbursement claim with your itemized receipt + LMN
Wait for processing
The main difference between admins is what documentation they require and how strict their review is. If you're unsure about your admin's specific requirements, contact us and we'll guide you.
We're continuously working to add more supported admins. Our goal is 100% coverage.
Tips for Working with Any Admin
Know their submission process
Some admins have an app, some have a website, and some require mailing documents. Find out before you need to submit.
Submit complete documentation upfront
Don't give them a reason to ask for more. Submit your LMN AND itemized receipt together on the first try.
Keep records of everything
Save confirmation emails, claim numbers, and screenshots of submissions. The IRS can audit you up to 10 years after a transaction — if something goes wrong, you'll want a trail.
Know the contact info
Save your admin's customer service number and website. You may need it if a claim is denied or delayed.
Your employer is your secret weapon
If you're getting nowhere with customer service, go through your HR department. They often have a dedicated account manager at the admin who can move things faster.
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