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BENEFITS DEBIT CARD

EMPLOYEE HANDOUT
BENEFITS SPENDING MADE EASY

ONE DEBIT CARD FOR ABILITY TO REQUEST NO FEES FOR LOST


ALL OF YOUR BENEFITS ADDITIONAL CARDS FOR OR STOLEN CARDS
A SPOUSE OR ELIGIBLE
DEPENDENTS FOR FREE

The Benefits Debit Card Submitting Documentation But, when in doubt, the IRS has identified
The Discovery Benefits debit card is the for Debit Card Transactions the criteria for what needs to be included
fastest and most convenient way to pay for Occasionally, documentation will be when submitting documentation for
eligible expenses. The debit card makes it needed to verify the eligibility of an eligible expenses:
easy to access funds in your pre-tax benefits expense paid for on your debit card. • Name of the provider/merchant
accounts, reducing your out-of-pocket Even places like doctors’ and dentists’ • Date(s) of service
costs. At many merchants, it also simplifies offices may require you to submit • Type(s) of service
the way expenses are verified for eligibility. documentation because some expenses • Amount (after insurance, if applicable)
available at these facilities may not be IRS- • Name of person who received the
How It Works eligible (e.g. cosmetic procedures, teeth services (if the account covers
Swipe your benefits debit card to instantly whitening). dependents)
pay for eligible expenses with funds from
your benefits accounts. Make sure to When Documentation Isn’t Needed How to Submit
swipe your card before your final service • When used at an IIAS merchant You can submit documentation in
date to ensure funds pull from your current • When used for recurring expenses seconds using the Benefits Mobile App by
plan year. Where you swipe the card will that match the provider and dollar Discovery Benefits. Our app is the quickest
determine whether any steps are needed amount for previously substantiated and easiest way to submit documentation
after that. In addition to using your benefits claims because it lets you use your phone’s
debit card to pay for services at your • When used for co-payments tied camera to take pictures of your documents
healthcare provider’s office, you can also to the account holder’s health plan and upload them on the spot.
use it at the following types of merchants: (Note: These amounts need to be
communicated to Discovery Benefits
IIAS by your employer) DOWNLOAD THE APP FOR
Many merchants provide IRS-required • When used to access HSA funds FREE ON APPLE AND ANDROID
information for documentation right at SMARTPHONES AND TABLETS
the point of sale through an Inventory If none of the above criteria apply,
Information Approval System (IIAS). An IIAS you’ll be notified via email or mail that
merchant auto-substantiates the claim, documentation is needed.
so you won’t need to provide additional
documentation on qualifying expenses. You can also submit documentation
What to Submit through your online account or via fax or
When submitting documentation for a mail. No matter how you choose to submit
90% Merchants debit card transaction, an Explanation
Our debit card also works at pharmacies or documentation, we’ll process your claim in
of Benefits (EOB) from your insurance two business days.
drug stores that meet the IRS’ 90 percent company will typically be your best bet,
rule. At least 90 percent of the gross sales as it contains all the information you
at these merchants come from eligible need to substantiate a claim.
medical expenses. For a full list of IIAS
and 90 percent rule merchants, visit Watch our Easy Substantiation video at www.DiscoveryBenefits.com/easysubstantiation
www.DiscoveryBenefits.com. to learn more about submitting documentation for debit card transactions.

www.DiscoveryBenefits.com
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10/22/18