What is a Benefits Card?

What is a Benefits Card?

Plan participants gain easier access to the funds in their Spending Accounts by using the CareFlex Express Benefits Card. The payment card process transfers funds from your designated account to health care providers with no out-of-pocket costs and no need to file a reimbursement form.

The CareFlex Express Benefits Card is provided through a service arrangement with Metavante, a national benefits card provider. It can be used at any qualified service provider accepting MasterCard®. Participants may use the Benefits Card for eligible health care expenses such as medical deductibles, co-payments, prescription costs, dental or vision related expenses and dependent day care; as designated by their plan design.

The CareFlex Express Benefits Card operates with programmed Merchant Category Codes. Each provider processing MasterCard® transactions is identified by a Merchant Category Code. While there are over 500 codes, the card is programmed to work only with the codes related to eligible expenses under the enrolled reimbursement program. Occasionally, a purchase will trigger an audit requesting the claim detail for an expense. If a transaction requires documentation, the participant will be notified by CareFlex. While the card is designed to provide speed and convenience, participants are still required to maintain any supporting receipts.

NOTE: This card is intended exclusively for, and is restricted to, use for eligible services associated with Flexible Spending Accounts, Health Reimbursement Arrangements, and Health Savings Accounts as governed by the rules established by the Internal Revenue Service. 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 www.irs.gov/prod/forms_pubs/pubs.html.

All benefit card transactions that exceed the available balance will be denied. If your remaining balance is known at checkout the clerk can perform a split transaction where the benefits card is swiped for the exact remaining balance and another form of payment is used to complete the transaction.

The Benefits Card is activated on initial use and is valid for a three year term. Participants should store away the Benefits Card once funds are exhausted, allowing CareFlex to reload existing cards with future plan year elections.

	Simple. Convenient. Smart.	Additional Card Request Authorized Form for Information Release Dependent Care Provider Form Letter of Medical Necessity Claim Filing Instructions Dependent Care Reimbursement Request Health Care Reimbursement Request Transit & Parking Reimbursement Accessing Your Account Online FSA Over-the-Counter Drug Guide Using the CareFlex Express Benefit Card Direct Deposit Authorization Instructions for Online Claim Entry

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Who is CareFlex? Working with Your Clients What is a Benefits Card? What is IIAS? Request a Proposal Pricing Guidelines	What is a Benefits Card? Plan participants gain easier access to the funds in their Spending Accounts by using the CareFlex Express Benefits Card. The payment card process transfers funds from your designated account to health care providers with no out-of-pocket costs and no need to file a reimbursement form. The CareFlex Express Benefits Card is provided through a service arrangement with Metavante, a national benefits card provider. It can be used at any qualified service provider accepting MasterCard®. Participants may use the Benefits Card for eligible health care expenses such as medical deductibles, co-payments, prescription costs, dental or vision related expenses and dependent day care; as designated by their plan design. The CareFlex Express Benefits Card operates with programmed Merchant Category Codes. Each provider processing MasterCard® transactions is identified by a Merchant Category Code. While there are over 500 codes, the card is programmed to work only with the codes related to eligible expenses under the enrolled reimbursement program. Occasionally, a purchase will trigger an audit requesting the claim detail for an expense. If a transaction requires documentation, the participant will be notified by CareFlex. While the card is designed to provide speed and convenience, participants are still required to maintain any supporting receipts. NOTE: This card is intended exclusively for, and is restricted to, use for eligible services associated with Flexible Spending Accounts, Health Reimbursement Arrangements, and Health Savings Accounts as governed by the rules established by the Internal Revenue Service. 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 www.irs.gov/prod/forms_pubs/pubs.html. All benefit card transactions that exceed the available balance will be denied. If your remaining balance is known at checkout the clerk can perform a split transaction where the benefits card is swiped for the exact remaining balance and another form of payment is used to complete the transaction. The Benefits Card is activated on initial use and is valid for a three year term. Participants should store away the Benefits Card once funds are exhausted, allowing CareFlex to reload existing cards with future plan year elections.


CareFlex Benefit Solutions 205 West Dares Beach Road • Prince Frederick, MD 20678 Phone: (888)577-2762 (dot) • FAX: (410)414-8432 Email: questions@careflex.com	Site Map ©CareFlex, 2009. All rights reserved. Website Design by Oasis Grafx.