How to use the prepaid Benefits Card.
The Employee Benefits Corporation Benefits Card lets BESTflex Plan Health Care Flexible Spending Account (HCFSA) or EBC HRA participants simply swipe a debit card to pay for an eligible expense using the funds in these accounts.
Participants don’t have to pay out-of-pocket or manually file a claim when they use the card, making their BESTflex Plan or EBC HRA easier to use.
Inventory Information Approval Systems (IIAS)
IIAS systems automatically verify eligible benefits card transactions when you use your card. Many retailers and providers have adopted these systems, so using the card at these locations means participants don’t have to submit a receipt – or other documentation – to substantiate their eligible expenses.
If an expense cannot be verified, a Documentation Request is emailed to the participant requesting documentation for the expense.
A list of retailers that have these inventory systems is available here.
Automatic verification of eligible expenses also occurs when participants use the card to pay for an office or prescription co-payment and the amount matches the co-payment amount or a multiple of the amount the employer has filed with us.
If a Benefits Card expense needs documentation, participants receive an email, called a Documentation Request. They can take a photo of their documentation and attach it using their mobile device’s camera using My Mobile Account Assistant, scan and attach it from their computer’s desktop using My Account Assistant or print it and mail it to us.
Expense documentation must include:
- Date(s) of Service
- Type of expense
- Amount of the expense incurred
- Name of Service Provider
Cancelled checks, credit card statements or previous balance statements cannot be used as expense documentation. Benefits Card expense documentation should not be submitted with a Claim Form. Do not send in documentation unless you receive the Documentation Request.
Manage Benefits Card expenses using a smart phone or from your desktop
Participants can manage Benefits Card expenses and attach documentation on-the-go using an Android or Apple smartphone or tablet. Participants can take a photo of their documentation using the mobile device’s camera or attach an image from the device's photo library. From the desktop, My Account Assistant let's participants manage their Benefits Card expenses and attach documentation.
Save your card
Participants should save their card, even after the BESTflex Plan Health Care FSA or EBC HRA funds are depleted or the plan year ends. A new Benefits Card is automatically reissued 30 days prior to the card expiration date.