Your Benefits Card is a debit card. You use it to access the money you set aside for your pre-tax purchases. When you make a purchase, the business will run it like a normal credit card. Just remember these differences:
Most of these stores have elected to participate in the IRS Benefits Card program (for a nationwide listing, visit www.sig-is.org and click on IIAS Merchant List).
Most services provided in these locations are eligible IRS expenses; however some are not, such as cosmetic procedures. Unlike grocery or pharmacy stores, providers do not typically use bar codes, so their systems can’t tell which services are eligible.
When paying for your healthcare services, hand your Benefits Card to the front desk.The system will automatically approve services that match your copay from your benefit plan. You will not have to submit supporting documentation for these services.
If the provider’s charge is for something other than a copay, it’s just a three-step process:
If you lose your card, or your card has been stolen, notify BenefitHelp Solutions immediately at 888-398-8057. If a fraudulent purchase is made against your spending account, a claim must be made with MasterCard. MasterCard will credit your Benefits Card after they have completed their investigation process.
If you have additional questions about your Benefits Card, contact us. We’re happy to help.
Still didn’t find what you’re looking for? See what other members are asking about below.
Using the benefits card does not eliminate the IRS requirement of submitting supporting documentation for FSA expenses. After using the card for a purchase, you may get a letter from us requesting more information.
Supporting documentation will need to include the name of the provider, date of service, type of service performed and amount of the service. For example: an itemized statement or receipt from your provider, or an Explanation of Benefits from your insurance company for healthcare expenses. The receipt that you signed for the purchase, balance forward statements or balance due statements are not acceptable forms of documentation: This information usually does not list the type of service performed or the name of the product.
If you do not submit your documentation to us, we will send you a second request. After that, if you still do not send it in, you will receive a final notice. After that, your benefits card will be deactivated until we receive the requested documentation.
As of January 1, 2011 most OTC medicines and drugs need a prescription to be eligible for reimbursement under an FSA. If you have a valid prescription and purchase the item at a grocery a store you will need to pay out of your pocket and submit a claim form along with a copy or your receipt and prescription for reimbursement. If you purchase the medicine at a pharmacy, you may use your benefits card and the transaction will be automatically approved.
The benefits card should only be used to pay for services that happened in the current plan year.
For a full list, please visit our Member FAQ page.