Depending on your employer's Maven Wallet benefits and the type of expense you're submitting for reimbursement, IRS rules may require you to pay a minimum amount out of pocket for medical expenses before you can start receiving reimbursements through your employer's Maven Wallet program.
Eligible fertility, maternity, and menopause expenses are considered medical expenses.
How do I know if I'm enrolled in an HDHP?
If your health plan allows you to contribute to a Health Savings Account (HSA), you're enrolled in a High Deductible Health Plan (HDHP). This is true even if you choose not to contribute to the account.
If you have questions about your health plan or whether you're enrolled in an HDHP, please contact your health insurance carrier.
Minimum deductible requirements
For 2025, the minimum deductible is:
- $1,650 for individuals
- $3,300 for families
For 2026, the minimum deductible is:
- $1,700 for individuals
- $3,400 for families
Note: You can use any eligible medical expenses toward this deductible, not just fertility-related expenses.
How do I prove I've met my deductible?
When you apply for Maven Wallet, we'll ask for your health plan information to confirm your deductible and out-of-pocket spending.
You may be asked to provide:
- A copy of your Explanation of Benefits (EOB) from your insurance carrier
- Invoices or receipts for eligible expenses
Once you've met your deductible, Maven can begin reimbursing eligible expenses according to your employer's Maven Wallet program.
Can I use HSA or FSA funds?
Expenses paid for with Health Savings Account (HSA) or Flexible Spending Account (FSA) funds can't also be reimbursed through Maven Wallet because those funds are already tax-advantaged.
However, you can use HSA or FSA funds to pay for initial out-of-pocket expenses that count toward your minimum statutory deductible. Just keep in mind that you still need to meet your full deductible for the year in which the medical service was completed using qualified medical expenses.