Request reimbursement

With Thatch, you can request reimbursements for:

• Medical, dental, or vision premiumpremium The monthly amount paid to maintain health insurance coverage, regardless of whether any services are used that month. payments
• Qualifying medical expenses (QME)

These reimbursements come from your Thatch balance.

You can only submit expenses for reimbursement after you've paid the bill. Thatch doesn't reimburse unpaid medical bills or invoices. If you haven't yet paid your bill, pay it first using a personal payment method, then submit for reimbursement through the Reimbursements tab with an itemized receipt showing the amount paid.

Use your Thatch card

If you use your virtual or physical Thatch card, you can forgo having to request reimbursements. This also saves you having to pay out of pocket!

Submit a reimbursement

Submission deadline

Submit all reimbursement requests by March 31 after the plan year ends. After that, any leftover balance expires.

Connect your bank account

Before submitting your first reimbursement, you'll need to link your bank account.

1. Click Request reimbursement.
2. Select your bank from the list.
3. Choose the account you'd like to link.
4. Once setup is complete, you'll automatically return to your home screen.

Submit your reimbursement

1. Log in to your account at app.thatch.com.

2. Go to the Reimbursements page.

3. Click Request reimbursement.

4. Choose the option that best fits your request: Insurance Premiumpremium The monthly amount paid to maintain health insurance coverage, regardless of whether any services are used that month. or Other Healthcare Expense.

   The information required differs by type of reimbursement.

   Insurance premiums

   If you're requesting an insurance premiumpremium The monthly amount paid to maintain health insurance coverage, regardless of whether any services are used that month. reimbursement, provide:

   • Coverage date: The first day of the coverage month (for example, 01/01/2025 for January 2025).
     • If you're requesting reimbursement for multiple months, use the first month's start date.
   • Amount: The total premiumpremium The monthly amount paid to maintain health insurance coverage, regardless of whether any services are used that month. cost for the month(s).
   • Insurance companyinsurance company The company that provides insurance coverage. Also called an insurance provider.: The name of your insurance provider.

   Other expenses

   If you're requesting another healthcare expense, provide:

   • Service date: When the expense occurred.
     • For an appointment or service (like physical therapy or a doctor's visit), use the date of service.
     • For a purchase, use the date you bought the item.
   • Amount: The amount you'd like to be reimbursed (up to your available Thatch balance).
   • Merchant name: Who the expense was with (for example, your doctor, Amazon, or CVS).
   • Itemized receipt: Upload a receipt that clearly shows:
     • Date of service or purchase
     • Provider or merchant name
     • Detailed description of the service or item
     • Amount charged for each item
     • Total amount paid
   • Letter of Medical Necessity (LMN): Include if required for your expense.

5. Once you've reviewed everything, click Submit to complete your request.

Once you submit a reimbursement, Thatch reviews and generally processes it within 7–10 business days.

You may combine multiple expenses of the same type into one reimbursement request — for example, multiple insurance premiumspremium The monthly amount paid to maintain health insurance coverage, regardless of whether any services are used that month. together, or multiple healthcare expenses together.

Keep your records!

• Save all receipts for QME purchases
• Keep copies of prescriptions or doctor recommendations
• Document the medical necessity of items when required

Eligible for reimbursement

Each employer's plan may have different rules for what counts as an eligible expense beyond insurance premiumspremium The monthly amount paid to maintain health insurance coverage, regardless of whether any services are used that month.. Check with your employer or benefits administrator to confirm:

• Whether you can use funds for non-premiumpremium The monthly amount paid to maintain health insurance coverage, regardless of whether any services are used that month. expenses
• Any annual limits or restrictions
• If your plan only allows premiumpremium The monthly amount paid to maintain health insurance coverage, regardless of whether any services are used that month. payments (medical, dental, and vision)

Purchases must be made while your Thatch coverage is active.

Reimbursements can only be approved for the current or past months.

You can submit a reimbursement for a family member who qualifies as your dependent. This generally includes your spouse, qualifying child, or qualifying relative, and in some cases, a domestic partner.

Thatch Marketplace purchases

Some items in the Thatch Marketplace require a Letter of Medical Necessity (LMN) to qualify for reimbursement. If this applies, please use the Truemed checkout option when you make your purchase and include the LMN with your reimbursement request so it can be approved.