End pay-and-chase.
UIOLI is the substantiation layer for FSA & HRA administrators. Members turn every receipt into a sealed, IRS-grade ProofPacket™ — so clean claims auto-approve and the letters stop. You keep the rubber stamp; we bring the evidence.
Substantiation today is three blunt tools.
FSA and HRA reimbursements need IRS-grade proof on every expense. The industry meets that bar with three — and the third is a cost center.
SKU lists only
Approves items on the SIGIS list at registered pharmacies. Card-present, participating merchants, "is it on the list" — nothing else.
Exact amounts only
Auto-approves amounts equal to a known plan copay. Anything off by a cent falls straight through.
Everything else
The plan pays, then demands documentation weeks later. Members ignore the letters; cards get suspended; funds get clawed back; support queues fill.
From register to rubber stamp.
UIOLI is the substantiation layer. Members assemble the evidence at the moment of purchase; you receive a sealed ProofPacket ready to adjudicate.
Capture
The member snaps a receipt. Every line item, merchant, date, and amount is read automatically — no manual entry, no waiting for a letter.
Determine
Each line is tiered against a versioned IRS Pub 502 dataset — Eligible, Requires-LMN, Not eligible, or Not identified — with confidence and human-readable reasoning.
Seal
The member reviews each line and attests to the packet; a letter of medical necessity attaches where needed. The ProofPacket™ is sealed — immutable, append-only, 7-year retention, exportable.
Three ways to put it in members' hands.
One substantiation engine, one ProofPacket schema. Choose the surface that fits the plan — or run all three.
Portal
A review portal you run. Sealed ProofPackets that members refer land in your queue; your team opens each one, stamps it eligible or denies it with a reason, and keeps a log of every decision. Signed webhooks push outcomes to your systems.
HR service
An employer-facing service. Benefits teams onboard members, configure plan rules, and watch utilization.
Member app
A DIY acceleration app members self-serve. They snap the receipt and review each line; you get clean, pre-substantiated claims.
Help me help you.
The member's thirty seconds of preprocessing is what makes your approval effortless. Every stakeholder gains; nobody trades anything away.
Zero review labor
Audit-grade documentation on every clean claim — better evidence than pay-and-chase ever produced. Answers your CCA 202317020 exposure.
25–40% less forfeiture
Fewer suspended cards, measurable engagement — and no new fiduciary or fund-custody risk, because no plan money moves.
Approved, not chased
Claims clear the first time. No collection-style letters, and a portable 7-year audit trail they keep even after they leave.
Start at zero engineering.
Three tiers, lowest-friction first. A TPA can begin at tier 1 without touching a line of code.
ProofPacket export
Members attach a sealed ProofPacket PDF to each claim in your existing portal. You change nothing — the documentation is just suddenly complete.
Claims land already documented
Every claim arrives with the receipt, the line-by-line determination, and the member's attestation already attached — so your team reviews exceptions, not paperwork.
Substantiation as adjudication input
Auto-approve Eligible-tier attested claims per a written rule in the plan's procedures. This is the tier that ends pay-and-chase.
Four things we never do.
These boundaries keep UIOLI clear of TPA licensure triggers and ERISA fiduciary status — and make the failure mode benign: members exit with better records than they started with.
We categorize and document. The plan decides; the member attests. We never certify eligibility on our own authority.
No auto-draw, no payment, no float, no custody. Claims pay on your existing rails.
We apply the employer's written rules as configuration — no discretionary authority over plan assets.
Who is covered stays your record. We touch substantiation, and nothing else.
HIPAA-eligible infrastructure · BAA where PHI flows · each ProofPacket immutable post-attestation · engine-versioned, so every determination is reproducible against the ruleset that made it.
Run one plan year. Keep the evidence.
A cohort of Utah employers, your FSA/HRA plans, one plan year. Metrics defined up front; a wind-down plan where members simply exit with better records than they started with. If it doesn't move your numbers, nothing was risked.
Have an HSA or FSA yourself?
The member app is in private beta and always free, with invites rolling out in waves. You'll get one email when yours is ready, and we'll never share your address.
What administrators ask first.
Do you touch plan money?
Never. No auto-draw, no payment, no float, no custody. Claims pay on your existing rails; UIOLI only assembles and delivers the substantiation.
Do you adjudicate claims?
No. UIOLI categorizes and documents; the plan or TPA decides. The member reviews each item and attests to the packet. We never certify eligibility on our own authority.
How do we integrate?
Three tiers, lowest-friction first. Start with members attaching a sealed ProofPacket to each claim in your existing portal — zero engineering. Then have claims land already documented in your system. When you're ready, auto-approve the clean ones.
Is it HIPAA-compliant?
HIPAA-eligible infrastructure, a BAA where PHI flows, each ProofPacket immutable after attestation, and engine versioning so any determination is reproducible against the ruleset that made it.
Does this work for HRA too?
Yes. Same layer, plus an employer-defined plan-rules filter on top of the Pub 502 dataset — an item can be IRS-eligible but plan-ineligible, and the ProofPacket schema already carries the account type.
How do you say it?
Like aioli, with a U. It stands for "use it or lose it" — the rule the substantiation layer exists to beat.