Q. How do I
use this card?
You may use this card for two purposes:
to pay for prescriptions and/or to
pay for eligible medical services.
To pay for prescriptions, present
your Debit Card to your pharmacist,
along with your primary pharmacy coverage
card. The pharmacist will process
your FlexChecks Debit Card. This will
take any remaining uncovered amount
directly out of your Medical Expense
FSA. Using your card for prescriptions
requires no paperwork or receipts
as long as the amount follows the
co-pay tables.
To pay for medical services, present
your card as a form of payment. The
transaction will be performed like
a credit card. However, you must then
mail or fax a copy of the itemized
receipt/Explanation of Benefits (EOB).
Make sure the receipt/EOB contains
the following information: Name of
patient, Name of service provider,
Date of service, Description of Service
and Cost of Service.
The funds will be taken directly
from your Medical Expense FSA. This
means no out-of-pocket expenses for
you and no claim forms to complete.
Q. How do I
know which providers accept the card?
Any healthcare provider displaying
the Visa logo will accept your card.
Check with your provider(s) to be
certain.
Q. What happens
if the pharmacist does not know how
to process my card?
Ask the pharmacist to call the Customer
Service number located on the back
of your card.
Q. Where do
I send my itemized receipts?
You may fax your itemized receipts
to: FlexChecks at (616)-791-7901.
You may also mail them to: P.O. Box
141215, Grand Rapids, MI, 49514-1215.
Q. What happens
if I do not send my itemized receipts
to FlexChecks?
Thirty (30) days after the transaction,
we will send an email reminding you
that we need a receipt for the outstanding
transaction. If we do not receive
a response within twenty (20) days,
we will send another letter notifying
you that your card will be suspended
and requesting "payback"
of the outstanding funds.
Q. Is this
a credit card?
No. The FlexChecks Debit Card is an
FSA stored-value card, not a credit
card. The maximum amount of funds
stored and available on your FlexChecks
Debit Card for any given plan year
is equal to the full, annualized amount
of your Medical Expense FSA contribution.
This amount is "stored"
and available to you through your
FlexChecks Debit Card on day one of
the plan year.
Q. I currently
have a Medical Expense Flexible Spending
Account and I already have a Visa
to pay my expenses. Why do I need
this card?
The FlexChecks Debit Card gives you
immediate access to your Medical Expense
FSA funds.
When you use your FlexChecks Debit
Card for prescriptions at participating
pharmacies, you do not have to send
in a claim form for your receipts.
Since the information is automatically
sent to FlexChecks for processing,
your reimbursement is "paperless!"
Note: If the amount does not fall
within the Co-pay Tables you will
need to forward a copy of your receipt
to FlexChecks.
When you use the Debit Card at your
doctor's office, you need only send
your itemized receipts to FlexChecks.
All other information currently required
on the claim form is automatically
sent to FlexChecks for processing.
This saves you the time you would
have spent in locating and completing
the proper claim form. Note: There
is only a need to forward itemized
receipts if the amount does not fall
within the Co-pay Tables.
When your expense is automatically
sent to FlexChecks, you won't forget
about the expense and risk forfeiting
dollars at the end of the plan year.
You have no monthly bill or possible
interest to pay as you would if your
expense or service was charged on
a credit card.
Q. Can I use
my FlexChecks Debit Card to pay for
all doctor visits?
Your FlexChecks Debit Card can be
used at your doctor, dentist, and
ophthalmologist or optometrist offices
for co-pays, deductibles, and any
qualified amounts not covered by insurance.
It uses Visa technology, so as long
as your healthcare facility accepts
Visa and you have an available balance
(annualized amount less any reimbursements)
in your account to cover your expense,
your card will be accepted.
Q. Can I use
my card to pay for other expenses?
The FlexChecks Debit Card is not intended
as a substitute for your existing
credit cards. Your FlexChecks Debit
Card is restricted to use for eligible
services and purchases associated
with your Medical Expense Flexible
Spending Account, as governed by IRS
regulations.
Q. I have some
services that require a letter of
medical need. Can I still use my card?
When receiving products and services
from your health provider that require
a letter of medical need, secure the
letter and submit along with your
receipts within 10 days to FlexChecks.
Following this timeline is very important.
Although your transaction will be
accepted at the point of sale (as
long as you have not exceeded your
annualized contribution limit), it
is deducted from your account and
could be subject to payback if your
letter and receipt are submitted.
Prescriptions that require a letter
(e.g. Retin-A) can be processed through
your Debit Card by submitting a copy
of your medical needs letter at the
beginning of the plan year. If you
require the use of your prescription
in future plan years, you must re-submit
your medical needs letter at the beginning
of each plan year.
Q. What should
I do if an ineligible expense is mistakenly
processed using my FlexChecks Debit
Card?
You must immediately repay your employer's
account. FlexChecks will notify you
in writing with specific instructions.
Remember to use your card responsibly
for eligible health expenses ONLY.
Otherwise, you risk having your debit
card access suspended.
Note: As you know, compliance with
plan guidelines is very important.
FlexChecks must diligently monitor
and adjudicate claims in strict compliance
with IRS regulations. Failure on your
part to resolve ineligible claims
will result in suspension of your
card privileges. In addition, your
employer may elect to deduct an amount
from your wages until the ineligible
expense debt is repaid in full. If
you have questions about eligible
or ineligible expenses, see your plan
materials for details.
Q. Will my
spouse be able to use the card?
Yes, your dependents can use the FlexChecks
Debit Card. To apply for an additional
card in your spouse's name, contact
FlexChecks Customer Service at (866)
791-7900. Each additional card is
a $5.00 charge. Cards are limited
to spouses 18 years of age or older.
Q. Does the
card replace my health card?
Your FlexChecks Debit Card is a means
of payment for out-of-pocket expenses;
it does not replace your health card.
Continue to carry your health card
to identify your type of insurance.
Q. What do
I do if the merchant/provider does
not accept my card?
If your provider does not accept Visa
or if your expense is greater than
your available balance, pay for your
service or purchase by cash, check,
or credit card. Then submit a paper
claim with the appropriate accompanying
documentation. Your claim will be
processed and eligible expenses will
be reimbursed to you by check or through
direct deposit.
Q. Toward the
end of the plan year my medical expense
may be greater than my available FSA
balance - will my card transaction
be affected?
Yes. If your expense is greater than
the balance remaining in your account,
the transaction will be rejected via
the Visa system. Currently the technology
does not accommodate a partial payment.
When this occurs, simply pay with
a credit card, check, or cash and
submit your expense as a paper claim.
Q. How can
I track my account information?
You may access your account information,
24 hours a day, at FlexChecks's Web
site: www.flexchecks.com.
In addition, your account information
will appear on your FSA reimbursement
check stub.
Q. What happens
to my card if I leave employment?
Your FlexChecks Debit Card will be
suspended on the date of your termination
from employment.
If you made arrangements with your
employer to continue your FSA following
termination, you may submit claims
incurred during the remainder of the
plan year using the traditional method
(properly completed claim form with
accompanying documentation).
Your FlexChecks Debit Card will be
suspended on the date of your leave
of absence, unless arrangements have
been made by you and your employer
to continue your payroll reductions
while on leave. When reductions continue
uninterrupted, you will not experience
a break in coverage. You can continue
to incur expenses during this period
for reimbursement in accordance with
IRS rules and regulations.
Note: Refer to your plan materials
for the dates of your plan year grace
period. This is the final date when
claims may be submitted for reimbursement.
Q. Will I receive
a new card and account number each
year?
As long as you remain actively employed
and enroll in a Medical Flexible Spending
Account with each successive plan
year, you will keep the same account
number. Your FlexChecks Debit Card
will be replaced if your card is damaged
or lost.
Q. How does
the FlexChecks Debit Card keep my
expenses tied to the correct plan
year, particularly during the grace
period of my plan?
The date of your transaction (the
date your card is entered in the Visa
system determines which plan year
your expense is posted against. See
the following Q&A.
Q. Can I pay
with my FlexChecks Debit Card in advance
of the date of my service?
We encourage you to pay your service
provider for the expense on the date
your service is incurred. Prepaying
with your card prior to the date of
service, or alternatively paying with
your card after your service date
has passed could result in a declined
transaction at the point of sale.
If you do not have your card available
for your health care provider on your
date of service, it is recommended
that you pay by cash, check, or other
credit card and submit a paper claim
form to FlexChecks.
Q. When I receive
my card will I have to sign anything?
What if I don't like the terms and
conditions of this card?
When you receive your card, you will
also receive a cardholders' agreement.
As with all legal documents, you should
read the terms and conditions carefully.
By activating and signing the back
of your card, you accept the terms
and conditions of the agreement -
there is nothing else to sign. It
is always your choice to accept and
then use your card.
Q. What are
some eligible medical service providers?
• Ambulance Services
• Medical, Dental, Ophthalmic
and Hospital Equipment/Supplies
• Hearing Aid Sales, Services
and Supplies
• Orthopedic Goods - Prosthetic
Devices
• Counseling Services (related
to medical care)
• Doctors and Physicians
• Dentists and Orthodontists
• Osteopaths
• Chiropractors
• Optometrists and Ophthalmologists
• Opticians, Optical Goods and
Eyeglasses
• Podiatrists and Chiropodists
• Nursing and Personal Care
Facilities
• Hospitals
• Medical and Dental Laboratories
• Medical Services and Health
Practitioners
The specific service provided must
meet all eligibility requirements
for Medical FSA reimbursement. Some
services may require a medical needs
letter. Eligible medical service providers
accept Visa and have a valid merchant
identification code. Specific IRS
regulations apply. See your enrollment
materials for details.
