FSA Debit Card Overview
The Benesyst Benny™ Benefits Card is a MasterCard® (or Visa®) that you can use at eligible providers to pay for FSA-eligible healthcare expenses, including prescription (Rx) and eligible over-the-counter (OTC) items (OTC drugs are generally prohibited effective 1/1/2011).
Please, always keep your receipts and documentation!
Why use the Card?
The Benesyst Benny™ Benefits Card gives you easy access to your Healthcare FSA and/or HRA funds. Simply swipe your Card and funds are deducted from your FSA balance to pay for the eligible expense - no need to submit a claim and wait for reimbursement.
How many Cards will I receive?
If enroll in a Healthcare FSA, Limited Purpose FSA, or HRA you will automatically receive two (2) Cards in the mail; one for you and one for a spouse or legal dependent. Both Cards will have the participant’s name on it. The Cards are good for five (5) years, so you will use the same Cards for future plan years - do not discard after the current plan year.
How do I activate the Card?
The Card must be activated before you can use it. Either call the number on the Card sticker (one call activates both Cards) or follow the instructions to register the Card online. You must activate the Card within 90 days of receipt.
Who should sign the Card?
You should sign one Card. If you are sharing the second Card with a spouse or dependent, that individual must sign the back of the Card with his or her name. By signing and activating your Cards, you agree to the terms outlined in the My Use-of-Card Promises document. Please review this document for important information.
How long is the Card good for?
You’ll continue to use the same Card for up to five (5) years, whether or not you sign up for the Healthcare FSA during each annual benefit enrollment period, so do not discard after plan year-end.
Purchasing Prescriptions and Over-the-Counter items (non-medicine)
Card swipes for prescriptions and eligible over-the-counter (OTC) items (as of January 1, 2011 OTC medicines, in general, are no longer eligible for reimbursement due to healthcare reform) can only be made at a Participating Paperless Merchant.
Just present your Card to purchase FSA-eligible items. You will be asked for an alternative method of payment for FSA ineligible items. Popular merchants include: CVS Pharmacies, Drugstore.com, Rite Aid, Savon Drugs Target, Wal-Mart and Walgreens.
Do I need to enter a PIN when making a purchase?
When making a purchase with your Card, select “Credit” when asked, “Credit or Debit.” No PIN is required—just sign for the purchase.
Can I still submit a manual claim?
Certainly. Even if you have a Benesyst Benny™ Benefits Card, you are welcome to submit manual claims for FSA-eligible expenses that you did not pay for with your Card. You can submit claims online or by toll-free fax.
Can I use the Card for online or mail order purchases?
Yes, but the purchases must be FSA-eligible and the online merchant must be on the Participating Paperless Merchants list. Write the Benesyst Benny™ number on the mail order or online form or use the Card number to call in a payment.
Can I get additional Cards?
You may contact Benesyst to request additional cards at (800) 670-7131.
What if I lose the Card?
If you lose your Card, contact Benesyst right away at (800) 670-7131 to report the loss or theft of a Card.
Why did I receive an “Action Needed” letter?
Benesyst will try to electronically verify your Card transactions, as required by the IRS. If we are unable to verify a transaction, you will receive a letter requesting an itemized receipt or Explanation of Benefits (EOB).
If the requested documentation is not received within the stated time period, your Card will be suspended. Please insure your documentation is received by Benesyst by the stated dates and no later than the last day of the run-out period. Keep a record of your fax transmission as proof of submittal.
What if I don’t have a receipt?
If you receive an “Action Needed” letter and don’t have an itemized receipt or EOB and cannot obtain one for the transaction, you are required to return the money to your FSA by mailing a check. Keep in mind that you have not lost anything; the money is returned to your FSA so it can be used for your next claim.
Why doesn’t my Card work?
- Insufficient funds in your account to cover your expenses - The expense must be lower than the total amount of your Healthcare FSA balance for the transaction to be approved. If the expense is greater than your balance, the card transaction (swipe) will be declined.
- Invalid merchant - The Card may only be used at health care related providers / stores; including pharmacies, drug stores, clinics, vision centers, dentist offices, hospitals, etc.
- Deactivated Card - If you have not provided documentation to Benesyst in the time required, or if your documentation shows an ineligible service or service date, your Card will be suspended. Once the information is received, your Card may be reactivated.