Depending on your employer’s benefits through Maven Wallet and the type of expense you’re submitting for reimbursement, if you have a High Deductible Health Plan (HDHP), the IRS requires you to pay a minimum amount out-of-pocket for medical expenses before you can start being reimbursed through your employer’s Maven Wallet program. Eligible fertility, maternity and menopause related expenses are considered medical expenses.
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 towards this deductible, not just fertility-related ones.
How to prove you’ve met your 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 submit a copy of your Explanation of Benefits (EOB) from your insurance or upload invoices and receipts Once your deductible has been met, Maven can begin to reimburse for eligible expenses.
Can I use HSA/FSA funds?
Expenses paid for with Health Savings Account (HSA) or Flexible Spending Account (FSA) funds, cannot be reimbursed by Maven Wallet because they’re already tax-advantaged dollars (this would be considered “double dipping” into a tax benefit).
However, you can use your HSA/FSA funds to pay for initial out-of-pocket costs that count toward your minimum statutory deductible. Just keep in mind that you still need to meet your full deductible for the year the medical service was completed, using qualified medical expenses.