Open Enrollment Now Available:
Click here to read FSA Plan Open Enrollment FAQs.
Debit Card Questions
Q. What should I do if I lose my Health Equity FSA debit card?
A. Contact Health Equity Customer Service at 1.877.924-3967 to report a lost card.
Q. How can I order a replacement card, or an additional card for my family member?
A. Login at https://participant.wageworks.com and click Manage Cards, then Request Replacement Card or Add Dependent. You can also call 1.877.924-3967 for assistance.
Q. Why do I need to keep my debit card receipts?
A. You may be asked to provide a receipt to confirm your purchase was eligible. (See also Internal Revenue Requirements section for question about debit card receipts.)
Q. Will I receive a new debit card next year?
A. Please keep your new card for future use.
Internal Revenue Requirements
Q. Are there special governmental rules for the FSA?
A. Yes. Because of the special tax treatment of the FSA, the Internal Revenue Service has a series of rules that must be followed. We have arranged with an FSA administrative firm to assist in meeting these requirements and keeping the FSA operating within those rules.
- To qualify for reimbursement, expenses cannot be eligible for coverage through the UCC Medical and Dental Benefits Plan or other insurance.
- Before the start of each year or before the employee's salary is earned, the employee must file a written direction electing the amount of salary to be deferred for medical and/or dependent care expenses.
- FSA funding must come from an employee's salary deduction; it cannot be funded by employer contributions.
- Once an employee has made the election, the amounts cannot be changed unless there is a major change in the member's life. These include marriage, divorce, birth or death of a child, or change in spouse's employment status. Proof of status change must be provided.
- Deferrals placed in the FSA for medical expenses cannot be used to reimburse dependent care expenses and vice versa.
- Salary deferred to the FSA may only be used for expenses incurred during the year. Federal law requires that unused amounts (over $660 for medical, all for dependent care expenses) after December 31 be forfeited.
Q. Why do I need to send documentation of my expenses?
A. The Internal Revenue Code (IRC) requires that you use your FSA only for eligible expenses. You may need to provide documents to prove that your medical claim is an eligible expense before you are paid back from your FSA. You can upload these receipts to your member website when you submit a claim, or when you get a request for documents.
Q. Why did I get a request for debit card receipts?
A. The IRC requires that all transactions be verified. Usually, when you use your debit card to pay a medical expense, verification occurs automatically. But sometimes there’s not enough information available through the electronic transaction to prove that the expense is eligible under your plan. That’s when you receive a letter requesting additional information about your health expense purchase. You just need to respond by attaching a proper receipt or document to the claim. And it’s best to do it quickly, as you will receive a follow-up letter if you don’t respond. Your debit card may be deactivated until the information is received, as all FSA plans require that expenses are verified to make sure they comply with the IRC. (See also Debit Card Questions section.)
Q. What if I need more information?
A. Please contact Member Services toll-free at 1.800.642.6543 or by e-mail at [email protected].