An accumulator is a running total that tracks spending toward a plan limit: a deductible or an out-of-pocket (OOP) maximum.
Why upload accumulator credits?
If your plan allows for deductible and max-out-of-pocket credits from your previous plan year to apply to your current plan year, you can upload accumulator credits in the member portal.
We only accept individually-loaded accumulators for the first 21 days of the plan to make sure claims are paid quickly and accurately.
How do I upload an accumulator credit?
To start, navigate to the Credits tab. If the Credits tab is not visible, your plan may not allow you to upload accumulators, or the deadline to upload individual accumulators has passed.
Upload documentation (image, PDF, etc.) of coverage spend from your previous plan:
Explanation of Benefits (EOB) - Preferred
If uploading an EOB, ensure that it includes up-to-date accumulator balances.
Screenshot of coverage spend from your previous plan’s member portal
Select the member to whom these credits apply.
Add spend entries to apply these credits to your accumulator balances (in-network vs out-of-network and deductible vs out-of-pocket)
I’ve submitted an accumulator credit. When will it be reflected in my spending overview?
Once the accumulator credit is submitted, the credit will be reviewed by a member of our team. Once the credit is approved, you’ll see the approved amounts reflected in your Spending Overview on the Home tab.