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Using Your Benefits Debit Card

Your Benefits Debit Card provides quick, easy access to the funds in your reimbursement account(s). Check out these frequently asked questions for more information about your Benefits Debit Card.

A Benefits Debit Card allows you to pay for eligible medical expenses using the funds in your Healthcare Flexible Spending Account (HCFSA), Limited Purpose Flexible Spending Account (LPFSA), Health Reimbursement Arrangement (HRA), or Health Savings Account (HSA). 

Many merchants accept the Benefits Debit Card. To view a list of participating stores, visit Sigis Store Locator. If you have an LPFSA, you will only be able to use the card for dental and vision expenses.

Your Benefits Debit Card is for eligible medical expenses only. Check out this list of FSA and HSA eligible expenses.

Note: You may not use the card to pay for dependent care expenses.

LPFSAs: If you’ve elected an LPFSA, your expenses are limited to those related to dental and vision. You may use the card for dental and vision expenses only.


Yes. If you use your Benefits Debit Card to pay for an eligible medical expense, you must submit a receipt* for every transaction.

HRAs & HSAs:

No. You do not need to provide a receipt for your Benefits Debit Card purchases to submit a reimbursement claim. However, you should keep all medical receipts as proof of transactions.

  1. Log in to your online account or AFmobile
  2. Select the Additional Documentation button
  3. Select Reimbursement Account(s)
  4. Select the pending transaction and click Add Receipt to upload documentation.

Your documentation should include:

  • Itemized receipts for an expense
  • Original date of service
  • Description of service rendered or expense
  • Charges for the service or expense
  • Provider of the service or expense
  • Recipient of the service or expense

Benefits Debit Cards are valid for three years, and you may use the same card each year you participate.

Log in to your online account and select Access My Reimbursement Account. Then, hover over your name on the top right and click Debit Card(s). Click Report Lost or Stolen next to the appropriate card. Once complete, you will have the option to order an additional card.

Report a Card Lost/Stolen

If you have additional debit card users, you’ll need to request cards for them through your online account. Here’s how:

  • Log in to your online account.
  • Select the Access My Reimbursement Account button.
  • Hover over your username the right side of the navigation bar and select Profile.
  • At the bottom of this screen, select Add Family Member.
  • When adding a family member, the dependent or spouse’s Dependent ID is their Social Security number.
  • In the Add Family Member window, select the box to Issue Dependent Card.
  • When complete, click Next and Save.

If you received a notification or letter in the mail requesting documentation, but failed to provide it to American Fidelity, your Benefits Debit Card will be temporarily blocked.

Learn How to Unblock Your Card 

Yes. If you have both an LPFSA and an HSA, you may use your red Benefits Debit Card for both accounts. Eligible vision and dental expenses will be deducted from the LPFSA first, since those funds expire at the end of your plan year. When your LPFSA funds are gone, your card will then pull from your HSA funds.

If you have an unsubstantiated LPFSA or HCFSA claim, your card will remain blocked for all accounts—including your HSA—until approved documentation is submitted.

Learn How to Unblock Your Card 

Pending transactions cannot be auto adjudicated at time of swipe. While the expense went through, you will need to be provide eligible documentation to keep your card active. You will also receive a documentation request letter for these transactions. 

To submit documentation:

 Log in to your online account or AFmobile

  • Select the Additional Documentation button
  • Select Reimbursement Account(s)
  • Select the pending transaction and click Add Receipt to upload documentation

If your transaction is marked resolved, you’ve provided eligible documentation or made an out-of-pocket payment. No additional action is needed on resolved transactions.

You will receive this letter if your Benefits Debit Card was used for an expense incurred outside the plan year, an ineligible expense, or if the documentation you submitted was insufficient.

When the documentation cannot be provided or the expense is ineligible, you have three options:

Submit a different itemized receipt to offset the transaction amount.
Contact American Fidelity to make a credit card payment.
Submit a check in the amount of the transaction to be applied to your Healthcare FSA account.

If you see any suspicious activity with your Benefits Debit Card, report it and dispute the charge immediately. The fastest way to dispute a charge is by completing the form online. Here's how:

  1. Log in to your online account.
  2. Click the Manage My Reimbursement Account button.
  3. Expand the fraudulent transaction in either the Claim Activity, Transaction, or Account Activity page.
  4. Complete and e-sign the dispute form.

You can also dispute a charge by calling us at 800-662-1113.

Note: If the transaction date is over 60 days old, we cannot process the dispute.

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American Fidelity Assurance Company