Am I required to submit documentation for every Benefits Debit Card transaction?

Most accounts require you to submit documentation. Below is a breakdown of what is required for each account.

HCFSAs, HRAs, and LPFSAs:

Yes, documentation is required. When you use your Benefits Debit Card to pay for a medical expense, documentation must be submitted for that transaction in order to verify the eligibility of the expense.

• Example of when you will not be required to submit documentation: When your card is used for an eligible expense at a merchant with the Inventory Information Approval System (IIAS), the details needed to approve the transaction will automatically be provided. This will also occur when you have a dollar-amount co-pay transaction that matches a co-pay your employer has provided, or when you have a recurring expense that you have already properly documented. No further documentation will be required in these instances.
• Example of when you will be required to submit documentation: When your card is used at a doctor’s office for an expense, you will need to provide an itemized receipt or documents, so the details of the expense such as the date of service and the service provided may be verified. Keep in mind, the date of service must be within the plan year parameters set in your HCFSA, HRA, or LPFSA plan.

HSAs:

No. You do not need to upload documentation for your Benefits Debit Card purchases. However, you should keep all medical documentation as proof of transactions in case of an Internal Revenue Service (IRS) audit.