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're not sure whether you're enrolled in an HDHP, contact your health insurance carrier.
Minimum deductible requirements
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?
You can verify that you've met your deductible through Assistant in the Maven app or on the Maven website. Assistant will ask you to provide documentation, such as:
- A copy of your Explanation of Benefits (EOB) from your insurance carrier, and/or
- Invoices or receipts for eligible expenses
Once you submit your documents, Assistant will securely share them with the Maven Care Support Team, who will review the information and confirm whether you've met your deductible. After your deductible has been verified, 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.
Need help with deductible verification or have questions about your Maven Wallet? Message Assistant anytime in the Maven app or on the Maven website. It's available 24/7 to answer your questions and guide you through your next steps.