FSA with Benefits Card

Your Benefits Card gives you easy access to your Health Care flexible spending account (FSA) funds when you need them.

Getting Your Card

A card is mailed to you when you enroll in a Health Care FSA. You will receive an email from us when it’s on the way to you. Once you receive it in the mail, simply use it to activate it.

You can request up to four additional cards for others covered by your plan at no cost to you through your online account.

Making Purchases

Use your Benefits Card to pay for eligible expenses at a variety of retailers. Many retailers are able to automatically verify your purchase is eligible at the register (or during online checkout). If your purchase is automatically verified, you’re all set!

Please note your card may be declined if you try to use it to pay for an ineligible expense.

Documentation Requests

If your purchase isn’t automatically verified, we notify you via email that you need to submit documentation. This email includes the transaction date and amount.

Your purchase documentation needs to include an itemized statement of charges from the provider or an Explanation of Benefits (EOB) from your insurance carrier. It must include:

  • Date(s) the items or service were provided
  • Description of the items or service
  • Name of the provider or merchant
  • Dollar amount of the expense

The quickest and most secure way to submit documentation is online or via our mobile app. Before you start, make sure your purchase documentation is saved on your computer or device and ready to upload.

Online Account: Log in to your online account. If you need to submit documentation, you see a notification that you need to submit documentation for a Benefits Card purchase. Follow the on-screen prompts to upload.

Mobile App: Log into our mobile app for Apple or Android. Select the Benefits Card transaction that requires documentation, and follow the on-screen prompts.

Benefits Card Pro Tips

  • Save all expense documentation for your Benefits Card transactions. This way, you’re covered if you receive a documentation request, and you’re also prepared in the event of a tax audit.
  • Make sure you’re using your card for eligible expenses.
  • Remember, we’ll let you know if we need you to submit documentation. Don’t submit anything unless we request documentation from you.

Using Your Benefits Card in a New Plan Year

Your Benefits Card pays for eligible expenses with dollars from the current plan year. So it’s important for you to know when your plan year ends and a new one begins. Learn more about using your Benefits Card in a new plan year.

Report a Card Lost or Stolen

If your card goes missing, you can lock your card in your mobile app, EBC Mobile, to prevent any unwanted purchases.

  1. After you log in to EBC Mobile, go to the main menu.
  2. Select Manage Cards.
  3. Find the card you want to replace and select replace. When you find your card, you can unlock it by selecting unlock.

If you can’t find your card or it was stolen, you can replace your card in EBC Mobile and have a new card mailed to you.

  1. After you log in to EBC Mobile, go to the main menu.
  2. Select Manage Cards.
  3. Find the card you want to lock and select lock.

Your card will be immediately closed and you will be sent a replacement card to the address we have on file. Please verify that we have the correct address on file before replacing your card. Replacement cards may take up to 10 business days to arrive to the address on file.

For more information about lost or stolen Benefits Card, watch our Lost or Stolen Benefits Card Video.