The Flex Debit Card allows participants to directly pay for eligible FSA expenses at the point of service. This allows participants to avoid the traditional hassles associated with an FSA such as paying cash for services (in addition to the payroll deduction), completing and submitting a claim form, and waiting for a reimbursement check.

 

Flex Debit Card transactions deduct payments at the point of sale directly from the participant’s FSA account – no more paying cash for services in addition to your payroll deduction!       Online access to real-time account information allows you to check your balance at any time.       The claim submission process is replaced by a single swipe of the card.

 

Depending on the plan(s) in which participants enroll, select merchants will be authorized by the employer & FlexAmerica to accept payments for eligible expenses. Most transactions are automatically adjudicated, however participants are urged to save all receipts in the event that FlexAmerica requests documentation to substantiate the claim. Debit card transactions are typically denied for the following reasons: card suspension from unsubstantiated claims, invalid merchant or insufficient funds in the FSA account.

 

FlexAmerica will send out notifications on the 25^th of each month to request documentation.  Only one notification will be sent out.  You will have 45 days from the letter date to submit the documentation.  Notifications are sent via e-mail (if e-mail is provided) or via US Mail if an e-mail address is unavailable. To get e-mail notifications, logon to your FlexAmerica account and add your e-mail address to your personal profile.

Failure to submit your documentation by the end of the notification period will result in the temporary suspension of your debit card.  In this case, you may continue to submit claims manually for reimbursement.