Claims harvesting for spending account administrators

Bring real claim data into your administration workflow, without asking members to submit receipts.

TPA Stream retrieves members' medical, dental, and vision claims (and the underlying EOB documents) directly from the carriers they use, so HSA, FSA, and HRA administrators have the data they need without member-side paperwork.

Why manual claim substantiation is harder than it should be

Members shouldn't have to chase down their own claim data.

HSA, FSA, and HRA programs depend on knowing what members actually spent on care. Without carrier-sourced claim data, administrators are stuck choosing between trusting receipts members forget to upload and building manual workflows to verify spending account use. Both create friction for members and overhead for operations teams.

Receipt fatigue

Members give up on uploading documentation. Admins lose visibility into what was actually spent on eligible care.

Manual substantiation work

Operations staff verify spending claims by hand against incomplete or inconsistent member-supplied data.

Incomplete picture

Without carrier-source-of-truth data, it's hard to tell what's eligible, what's already been paid, and what's still outstanding.

How TPA Stream helps

Claims data from the carrier, automatically.

TPA Stream connects to hundreds of medical, dental, and vision carriers and pulls members' claims as they post, so the administrators running spending accounts and member benefit programs have accurate data without member-side paperwork.

The category we built

Virtually universal carrier coverage.

TPA Stream pioneered direct carrier-portal retrieval and remains the only platform doing it at this depth. Coverage spans nearly every major US medical, dental, and vision carrier, including UnitedHealthcare, Aetna, Cigna, every BCBS plan, Kaiser, Anthem, and a long tail of regional plans.

Claim data and EOB documents

The same retrieval pulls structured claim line data (codes, amounts, status) and the original EOB document, so admins and member apps can surface whichever one fits the workflow.

Auto-substantiation ready

Spending account claims get matched to real carrier data so administrators can substantiate eligible expenses without chasing members for receipts.

Fresh from the carrier

TPA Stream retrieves on a recurring schedule so the admin tools and member-facing experiences your team builds run on data that reflects what the carrier shows today.

Built for HSA, FSA, and HRA workflows

Designed around the substantiation, eligibility, and reporting needs of spending account programs, not retrofitted from a generic data tool.

Built for builders too

Programmatic access for product teams.

If you're embedding member claim data into your own app, TPA Stream exposes a REST API and a Connect SDK so engineering teams can integrate without going through a long custom build.

Ready to bring real claim data into your workflow?

Book time with our team to see how TPA Stream helps spending account administrators get carrier-sourced claim data without member-side paperwork.