| FSA Flex Convenience Card® |
| The Flex Card is provided through the MasterCard network and can be used
at any qualified service provider that accepts MasterCard. This is not a credit card but an off-line debit card
that maintains participants' FSA balance(s). Participants may use the Flex Card for eligible health care, dependent
care, parking and transit expenses such as medical deductibles, copayments not covered by a health plan, prescriptions,
dental or vision related expenses and dependent day care. When using the Flex Card, participants will not be required to submit a claim form to obtain spending account reimbursement for medical expenses which match your company's doctor and prescription co-pays and should save all applicable receipts, as they may be required to verify eligibility of certain expenses or individuals. All other expenses must be sent in to our office for validation. The Flex Card operates with programmed merchant codes. Each provider accepting a MasterCard is assigned a Merchant Category Code. There are over 500 such codes, however, only those codes related to eligible expenses under the Flexible Spending Account are programmed on the card. FlexAmerica identified 23 of these codes as eligible for the health and dependent care accounts. Purchases at some merchants will trigger an audit requesting the claim detail for an expense. If any transactions requires documentation, the participant will be notified in writing by FlexAmerica and will have 10 business days to submit the requested documentation If you do not send in the requested documentation your card will be turned off and the money will be deducted from your next paycheck. NOTE: This card is intended only for, and is restricted to, use for eligible services associated with your Flexible Spending Account as governed by the rules established by the Internal Revenue Service in conjunction with IRC Section 125, "cafeteria plans". Please refer to Internal Revenue Service Publications 502 and 503 for eligible expenses. Both Publications are available at your local library, IRS office, or online at http://www.irs.gov/prod/forms_pubs/pubs.html. If you have questions regarding the Flex Convenience Card, you may contact us at (301) 530.9400 or email us at support@flexamerica.com. Your comments are welcomed and appreciated. |
| Frequently Asked Flex Card Questions & Answers |
| How do I activate my card? The card is activated the first time you swipe it for an eligible expense |
| Why did I get this card? I did not solicit this card or sign anything. The Flex Card is a debit card offered to enhance your benefit package. The card is designed for use only at qualified providers or merchants that accept MasterCard and offer eligible goods or services for reimbursement under the Flexible Spending Account. Rather than paying out-of-pocket money for qualified expenses, filling out claim forms, submitting them with receipts and waiting for reimbursement, utilizing the card to pay for qualified expenses transfers the funds directly from your Flexible Spending Account to the provider. |
| Is this just another MasterCard? No, this is not a credit card. It is a debit card that utilizes funds from your Health Care and/or Dependent Care Spending Accounts. Although this is a debit card, because it is an off-line debit card, it is treated like a credit card at a merchant or provider terminal because it does not require a PIN number before approving a transaction. |
| What is it used for? The card should only be used for eligible medical products and services as outlined in the Internal Revenue Service (IRS) Publications 502 and 503. Some examples include such expenses as medical deductibles, copayments, non-covered prescriptions, dental or vision related expenses, and dependent care expenses. Some employers also use this for Section 132 parking and transit expenses. |
| Will the card know what expenses are eligible and what are not? Each merchant or provider accepting a MasterCard is assigned a Merchant Category Code. There are over 500 such codes and the Flex Card accepts only 23 of those codes, all related to eligible expenses under your Flexible Spending Accounts. The card will instantly deny merchant or provider codes that have not been programmed on the card. |
| What will happen if I use my card for an ineligible expense? If you make a mistake and purchase ineligible items with your Flex Card, you are required to send your receipt and a reimbursement check for the amount of the ineligible expenses to FlexAmerica. |
| How does the card work? Present your card to a qualified merchant or provider and via their charge terminal, they will swipe your card like any other credit card to pay for your purchase. Funds for eligible expenses will be transferred directly to the provider or merchant from your Health Care or Dependent Care Account through the MasterCard network. REMEMBER, save all your receipts as you may be required to document eligibility of an expense. |
| Can the Flex Card identify how much of a product or service will be paid
by my health plan? No, you will need to check with your health plan to see what your plan will cover. |
| Will my transaction be denied if I don't have enough money in my account
to cover the expense? Yes, your transaction will be denied for any amount that is greater than the balance you have in your account. To avoid a transaction being denied, you should call or check the website at for your account balance prior to using the card. |
| What if my provider doesn't have a charge card terminal? You can still utilize funds from your account as you have in the past by mailing in a claim form or faxing it to (301) 564.5191. |
| What do I do if my card is lost or stolen? You should immediately call FlexAmerica at (301) 530.9400 to deactivate your card. You may order a replacement card. |
| My card had a misspelling, is missing a middle initial, my name has changed,
my card was never received may I order another card? Yes, you may order another card. |
| Can I change my address? Yes, this change will not affect your account so there is no fee assessed. Any future cards or statements will then be sent to your new address. |