Abstract: An integrated health savings account system which provides electronic (real-time or batch) interconnection between a health plan claims administrator and an individual healthcare spending account. An accountholder presents an identification card to a healthcare provider or pharmacy in order to receive treatment or obtain prescription drugs. A claim for reimbursement of healthcare expenses is sent to a health plan claims administrator (healthcare) or a pharmacy benefits manager (prescription drugs) for adjudication and determination of any deductibles. The adjudicated claim is sent to an individual healthcare spending account custodian/trustee for automatic determination of whether the remaining funds in the accountholder's individual healthcare spending account can cover the proposed claim.

Abstract: An integrated health savings account system which provides electronic (real-time or batch) interconnection between a health plan claims administrator and an individual healthcare spending account. An accountholder presents an identification card to a healthcare provider or pharmacy in order to receive treatment or obtain prescription drugs. A claim for reimbursement of healthcare expenses is sent to a health plan claims administrator (healthcare) or a pharmacy benefits manager (prescription drugs) for adjudication and determination of any deductibles. The adjudicated claim is sent to an individual healthcare spending account custodian/trustee for automatic determination of whether the remaining funds in the accountholder's individual healthcare spending account can cover the proposed claim.