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Flexible Benefit Debit Card Q&A

If you are new to the Flexible Benefits Healthcare Plan, you will soon receive a debit card to use for eligible medical expenses.  If you are re-enrolling in the plan PLEASE DON’T THROW AWAY YOUR FLEXIBLE BENEFIT DEBIT CARD, you will be able to continue using it for the 2015 plan year if it has not expired.

Below you’ll find answers to common Debit Card questions that will help you use your Debit Card effectively.  If you have any additional questions regarding the use of the Debit Card or your Flexible Benefit Account, please contact CompuSys/Erisa Group, Inc. 

  • What is the Flexible Benefit Debit Card?

The Flexible Benefit Debit Card is a special-purpose MasterCard® card that gives you an easy, automatic way to pay for qualified medical, dental, vision and prescription expenses. The Card lets you electronically access the pre-tax amounts set aside in your Flexible Benefit Plan.  Payment is made at the time of purchase, though you may be asked to provide documentation to substantiate the charge. Please be sure to keep all supporting documentation.

·         How many Prepaid Benefit Debit Cards will I receive?

You will receive one card.  You may request one additional card for a spouse or a dependent from CompuSys/Erisa Group, Inc.  If in the prior plan year you already received an additional card for your spouse or dependent, it isn’t necessary to submit another card request for them.  Just like your card, your spouse/dependent’s card does not expire for three years.  Your dependent should not throw away his/her card until the end of the three year period. 

·         How do I activate the Flexible Benefit Debit Card?

Your Flexible Benefit Debit Card is activated on the first swipe of the card.  If you already have a card from the prior plan year, your card does not need to be activated.

·         What do I do if my Prepaid Benefits Card gets thrown away, lost or stolen?

Call or email CompuSys/Erisa Group, Inc. immediately so that we can turn off your current card(s) and issue replacement card(s).

·         How does the Prepaid Benefits Card work?

It works like a MasterCard® Card, with the value of your yearly target amount stored on it. When you have eligible expenses at a business that accepts MasterCard®, simply use your Card. The amount of your eligible purchases will be deducted automatically from your account and the pre-tax dollars will be electronically transferred to the provider/merchant for immediate payment.

·         If asked, should I select “Debit” or “Credit”?

The Card is actually a prepaid Card. But, since there is no "prepaid" selection available, you’ll select "Credit." You do not need a PIN and you cannot get cash with the Prepaid Benefits Card.

·         Where can I use my Prepaid Benefit Card?

Your Prepaid Benefit Card can be used to pay for eligible goods and services at providers/merchants that offer these goods or services and accept MasterCard® debit cards.  You can also use your Card at health care providers such as hospitals, doctors, pharmacies, and dentists.

 

·         How do I deplete my 2014 balance?

As of January 1st 2015, your card will be loaded with money for the 2015 plan year.  If you still have a balance in your 2014 account any charge put on your card during the Grace period (1/1/2015 to 03/15/2015) will automatically be used to deplete your 2014 balance.  In addition to using your debit card you may also file a claim to deplete your 2014 balance.  In order to be eligible for reimbursement from your 2014 account all expenses must be incurred by March 15, 2015 and all claims must be received by March 31, 2015.

·         Can I use my Prepaid Benefit Card for Over the Counter Items (OTC)?

You can use your card to purchase OTC items.  However, you must present your prescription at the pharmacy department and make your purchase there.  Not all stores are set up to accept OTC purchases with your Flexible Benefit Debit card, so even if you present the prescription with your purchase, it might not go through.  If this happens, you can file a claim for reimbursement of the OTC item. Please be sure to include the prescription along with the receipt when you file the claim.

·         Why do I need to save all of my itemized receipts?

You should always save itemized receipts for purchases made with the Prepaid Benefit Card. You may be asked to submit receipts to verify that your expenses comply with IRS guidelines just as you would if you were filing a paper claim. Each receipt must show: the merchant or provider name, the service received, the item purchased, the date of service, the insurance payment and the amount of the purchase.

·         What type of documentation should I provide if I receive a request for additional information?

The documentation you submit should include the name of the provider, patient name, date of service, and service provided.  If the expense has been/or will be submitted to insurance, the documentation that you send must include all insurance payments and write offs.  If you do not have insurance or will not be submitting the claim to insurance, make sure to indicate that on the letter and send an itemized bill.  Cash register receipts, credit card receipts, and bills that just show prior balances aren’t acceptable forms of documentation.

·         My card was suspended in 2014, will it work in 2015?

All outstanding documentation requests must be cleared up in order for you to be able to use your Debit Card.  If you have unsubstantiated charges from the prior plan year, your card will continue to be suspended until the charge has been substantiated.  If your card is suspended, you may submit a manual claim to seek reimbursement for eligible expenses.

·         How do I know how much is in my account?

You can use your Employee PID and PIN to log on to your account at lcpsflex.com and view your account activity and current balance. You can also view your debit card transactions at benefitspaymentsystem.com by using your PID to log in.  In addition, you can call CompuSys/Erisa Group, Inc. to obtain your current balance. It’s a good idea to always know your account balance before you make a purchase with the Card.

·         What if I go over my account balance?

If you try to make a purchase that is over your account balance, the transaction will be denied for insufficient funds because your purchase cannot exceed the amount of money currently in your Flexible Benefit Plan.

 

If you have any questions concerning your Flexible Benefit Account please contact CompuSys/Erisa Group, Inc.

 By CompuSys/Erisa Group of Companies (Copyright 2008/10)