RHCA: Timing for Funding from Merrill Lynch to Your Spending Account

What is the timing involved in receiving reimbursement from the RHCA for qualified expenses?

My experience has always been that when a claim is made to Your Spending Account for RHCA reimbusement, the claim is Denied (lack of funds)

Then YSA submits a request to Merrill Lynch for funds to pay the claim.  Then YSA receives funds and initiate payment.

However I not seen any information on the time line for this sequence of actions.  Please provide.

Also, since YSA never has a funds from a client’s RHCA, why is the initial claim status always DENIED, rather a more appropriate status such as PENDING (requesting funds)?


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