Expense Substantiation Process
How to submit documentation for the Expense Substantiation Process.
Screens simulated for illustrative purposes only. Actual experience may differ.
Step 1
Use Your Debit Card: The easiest way to pay for eligible health expenses is with your Health and Benefit Accounts Visa® debit card.
Note: Sometimes, additional details about your purchase may be required—this process is called substantiation.
Step 2
Get the Right Receipt: Always request an itemized receipt or Explanation of Benefits (EOB).
Make sure it includes:
- Name of the person who received the service
- Provider or merchant name
- Type of service
- Cost
- Date of service
Step 3
Store Your Receipt: Use the Receipt Organizer in the MyHealth app:
- Snap a photo of the receipt or EOB
- Upload it to the app
- Keep it stored digitally
Step 4
Watch for Notifications: Up to three email reminders may be sent if more documentation is required.
Act quickly to avoid delays or issues with your account.
Step 5
Log In to Submit Documentation: Access myhealth.bankofamerica.com or use the MyHealth app to upload receipts.
Step 6
Find the Task: Scroll to the Task section to view notifications and select the transaction that needs documentation.
Step 7
Choose the Account: Under Receipts Needed, select the correct account and click Upload.
Step 8
Upload Your Receipt: Upload receipt or EOB in one of these formats: JPG, JPEG, GIF, PNG or PDF
Step 9
Confirmation: Once uploaded, a Receipt Uploaded confirmation message will appear.
Step 10
What Happens If No Response: If documentation is not received within 40 days, or if the expense is ineligible:
- A denial notice and repayment request will be issued
- If repayment is not received within 60 days, the debit card will be suspended
Access your MyHealth account on the go
Visit the app store on your mobile device or log in to myhealth.bankofamerica.com
