Quick Answer: Reimbursement timing depends on your admin. HSA reimbursements are usually fastest (1-5 business days). FSA reimbursements take longer because claims need to be reviewed (5-15 business days). Here's a breakdown by admin.
Typical Reimbursement Timelines
HSA Accounts
HSA reimbursement is usually quick because most admins just process a transfer — they don't review your expenses.
Administrator | Typical Timeline |
Fidelity | 1-3 business days |
HSA Bank | 2-4 business days |
Bank of America | 3-5 business days |
HealthEquity | 3-5 business days |
Optum Bank | 3-5 business days |
Benefit Wallet | 7-8 business days |
FSA Accounts
FSA claims take longer because admins must review and approve each claim.
Admin | Typical Timeline |
Most FSA admins | 5-10 business days after approval |
Navia | 5-15 business days (stricter review) |
WEX | 5-10 business days |
FSAFEDS | 5-10 business days |
TASC | Variable (automated system) |
Timelines are approximate and based on customer reports. Your experience may vary.
What Can Slow Things Down
Missing documentation — If your claim doesn't include all required documents, your admin may request more, adding days or weeks
First-time claims — Your first claim may take longer as the admin sets up your reimbursement method
High-volume periods - Year-end (December-January) and tax season (March-April) see higher volumes
Bank account not linked — If you haven't connected your bank account in your admin's portal, there's nowhere to send the money
How to Speed Things Up
Submit complete documentation upfront - Include your LMN + itemized receipt + any other required docs
Link your bank account — Set up direct deposit in your admin's portal before submitting your first claim
Submit online, not by mail - Electronic submissions are processed faster
Follow up proactively — If it's been more than 10 business days, contact your admin
HSA vs. FSA: The Speed Difference
HSA | FSA | |
Review required? | No — it's your money | Yes — admin must approve |
Typical speed | 1-5 business days | 5-15 business days |
Can be denied? | Rarely (at distribution level) | Yes, claims can be denied |
This is one of the advantages of having an HSA - you're in control of your money and reimbursement is faster.
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Still Need Help?
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