FSA with Benefits Card
Your Benefits Card* lets you pay for eligible expenses directly from your health care flexible spending account (FSA) instead of waiting to be reimbursed.
Getting Your Card
Your Benefits Card is mailed to you when you enroll in a health care FSA. You’ll receive an email from us when it’s on the way. If you’d like to order an additional Benefits Card for another authorized user, you can do so in your online account or with EBC Mobile. You can request up to five additional cards for others at no cost.
Learn more about how to order an additional Benefits Card at www.ebcflex.com/additionalcardvideo.
Use Your Card Online or In Person
To use your Benefits Card, simply swipe the card, use it to pay online, or add it to your digital wallet and use it wherever Apple Pay, Google Pay, and Samsung Pay are accepted. You do not need to call to activate your card—it will work as soon as you use it.
It’s important to note that digital wallet capabilities are only available to primary cardholders.
Where to Use Your Benefits Card
You can use your Benefits Card to pay for eligible expenses at a variety of retailers. Many retailers are able to automatically verify if your purchase is eligible at the register (or during online checkout). If your purchase is automatically verified, you’re all set and no further action is needed.
Documentation Requests
If your purchase isn’t automatically verified, we will notify you via email that you need to submit documentation to verify that the expense is eligible. The documentation request email will include the transaction date and amount of the transaction.
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) of service(s)
- Type of expense
- Amount of the expense incurred
- Name of service provider
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 will see a notification requesting additional 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.
Declined Benefits Card Transactions
If you use your Benefits Card and the transaction is declined, it may be for one of the following reasons:
- The merchant does not accept the Benefits Card
- Your purchase is not an eligible expense
- Your Benefits Card is temporarily suspended because your prior transactions require documentation that you haven’t yet submitted
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.
- After you log in to EBC Mobile, go to the main menu.
- Select Manage Cards.
- Find the card you want to lock and select lock. 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.
- After you log in to EBC Mobile, go to the main menu.
- Select Manage Cards.
- Find the card you want to replace and select replace.
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.
*Some employers may choose not to offer a Benefits Card. Refer to your My Company Plan for details about your specific plan.