A recurring expense is a monthly insurance premium, and it must be supported with proof of premium such as a bill, online statement, or pay stub showing the amount owed.
What qualifies as a recurring expense?
Only monthly insurance premiums qualify.
A recurring expense is limited to monthly premiums for health insurance and certain eligible coverage types.
This includes:
Individual health insurance premiums (medical plans)
Eligible dental insurance premiums
Eligible vision insurance premiums
These expenses can be set up once and reimbursed automatically each month after approval.
What does NOT qualify as a recurring expense
The following are not eligible for recurring reimbursement setup:
One-time doctor visits
Pharmacy purchases or prescriptions
Emergency medical bills
Any expense without a predictable monthly structure
Group insurance premiums paid through an employer payroll deduction
If the expense is not tied to a monthly or structured payment schedule, it cannot be set up as recurring.
What documentation is required for recurring expenses?
To set up a recurring expense, you must provide proof of the monthly cost and coverage details.
Accepted documentation includes:
A current monthly insurance bill showing premium amount
Screenshot from your insurance carrier portal showing:
Monthly premium
Next due date or billing cycle
Pay stub showing premium deduction (only if it clearly shows employee-paid premium portion)
For orthodontic or chiropractic plans:
Signed contract showing total cost and payment schedule
Start and end dates of treatment
Monthly allocation breakdown
Documentation requirements (must include)
All submitted documentation must clearly show:
The name of the policyholder
The monthly premium amount
The coverage period or billing cycle
The insurance carrier or provider name
If any of these are missing, the recurring expense setup will be delayed or denied.
How often do I need to update documentation?
Recurring expense documentation is typically valid for one plan year.
However, you must update it immediately if:
Your premium increases or decreases
Your insurance carrier changes
Your coverage type changes
Failing to update may result in incorrect reimbursement amounts.