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Flexible Benefit Resources FAQ


Find answers to frequently asked questions about FSAs and HRAs.

Are over-the-counter (OTC) drugs eligible for reimbursement?

Many over-the-counter (OTC) treatments are eligible now because the Coronavirus Aid, Relief and Economic Security (CARES) Act removed the requirement for a physician’s prescription or Letter of Medical Necessity for many OTC items.

What is a Medical Determination Form?

The IRS requires that expenses for medical procedures and services, and all OTC drugs be medically necessary in order to be eligible for reimbursement. This means they must be primarily to alleviate or prevent physical or mental defect or illness. Medical Determination Form completed by your health care provider listing the diagnosis of your medical condition and the recommendation of the treatment is required for reimbursement.

Does my doctor need to recommend a drug or a treatment for the item or service to be reimbursable?

In some cases, prescription drugs and medical services must be prescribed as medically necessary by your health care provider for those items to be reimbursable. 


Find answers to HSA frequently asked questions.

What can HSA funds be used to cover?

HSA distributions are tax-free if used for IRS qualified health care expenses. Eligible health care expenses include services and items such as the following:

  • Doctor's office visits
  • Over-the-counter (OTC) medications
  • Services not covered by insurance such as LASIK eye surgery


How much can I contribute each year to my HSA?

Can I make contributions if I am not enrolled in a QHDHP for the entire year?

Yes. Full year statutory contribution limits are permissible, but the HSA owner must maintain eligibility throughout the "testing period," which runs from the last month of the initial eligibility year through the end of the 12-month period following that month.


If one or both spouses have family coverage, how is the contribution limit computed?

If either spouse has family coverage under a QHDHP, both are treated as having family coverage. 

Benefit Access Debit Card

Find answers to Benefit Access debit card frequently asked questions.

How will the card work at discount stores and supermarkets?

First, confirm that the retailer can accept FSA cards by reviewing our participating retailer list. To find a retailer who can accept your Benefit Access debit card, review the IIAS Merchant List.

How do I create a PIN for my Benefits Access Card?

  • Please call 866-898-9795.
  • The automated system will walk you through the prompt to create your own self-selected PIN for your Benefits Access Card.

Am I required to use a PIN to access funds in my account?

No. You can continue to use your Benefits Access Card as you always have—no change required, by simply swiping the card and providing a signature.

I have more than one card; does each card have its own PIN?

No. The PIN is the same for all cards issued to you. If you choose this option, make sure other family members are aware of the PIN. Alternatively, other family members can continue to pay using the signature process.

If I don’t know my PIN or have not yet selected one can I still use my card?

Yes. Simply let the merchant know that you wish to pay using the signature process (credit) and they will direct you accordingly.

When I swipe my Benefits Access debit card, what options do I have to complete the payment?

Once you swipe your card at the point of purchase, choose "Credit" or "Debit" on the keypad:

  • Choosing "Credit" will require only your signature.
  • Choosing "Debit" will require you to enter your PIN.

Will I be able to receive cash back or access my accounts via ATM with this new PIN option?

No. PINs will only allow you to pay for eligible goods and services as they do today. Cash back and ATM transactions will not be allowed.


Why did I get a receipt request letter when I used my debit card?

You may have received a letter asking for a receipt to verify the eligibility of a purchase. We do all we can to automatically verify your debit card transactions, as required by the IRS. However, if we’re unable to, you will receive a letter or email requesting itemized receipts for card transactions.


Benefit Access Mobile App

[MUSIC PLAYING] Our benefits mobile app makes using your health benefit accounts easy. Login, and you immediately see your available funds broken down by accounts. Click to see all the details-- Balance Info, account, activity and more. Ready to file a claim? Just take a picture of your receipts and upload it from your phone's camera. No fax or computer is necessary to substantiate your claims, or card transactions. And asking the question is as easy as clicking a button. Contact us and try it today. 


Online Claim Filing

[MUSIC PLAYING] Consumer Portal online claim filing. Online claim filing, simplifying the experience. Filing a claim is one of the most commonly performed tasks for consumers. The link is easily accessible within the I Want To section. 

As you make your way through the Claim Filing Wizard, you can see your real-time balances and plan filing rules on the left side navigation panel. In the first step, you will select which account, such as an HRA, limited-purpose FSA, or dependent care account the transaction will come from. Then you will determine if the payment will be made to yourself or someone else. If requesting a payment to a provider, you can select a provider you have previously used from the dropdown menu or enter new provider details for the transaction. 

If you have a receipt, you should upload it right away to allow for quick processing of the payment. Next, you will add the necessary details about your claims. If adding mileage, the wizard will automatically calculate the amount and add it to the total claim. As you proceed through the Claim Filing Wizard, you will see a summary of your claim information on the bottom of each page. 

Once you have entered the claim information, you will be taken to the Transaction Summary page, where you can make updates to your claims, add more transactions, or agree to the terms and conditions to submit the expense. 

You're almost finished. If you did not upload the receipt earlier, then you will see a link here to add the documentation, and your claim will be processed for reimbursement. 

Filing a claim on the Consumer Portal has never been easier. 


Flexible Spending Account

Having a solid health care plan to fall back on is reassuring. But when expenses that aren't covered by your health plan add up quickly, it knocks your comfort level down a few notches. With a Flexible Savings Account, out-of-pocket health care expenses are covered with pretax dollars. That means what you contribute to your FSA is reduced from your taxable income, giving you a significant tax break. And an FSA doesn't just cover out-of-pocket health expenses either. 

You can put money aside for daycare expenses with a Dependent Care FSA, so you're covered on all angles beyond on health care. And because it's all with pretax dollars, you're saving yourself a pretty penny. With an FSA, your funds are available 24/7, giving you the luxury of accessing your account information, transactions, and contributions online with our mobile app or with your prepaid benefits card. For more information on signing up for your Flexible Spending Account, contact your HR provider today.

Health Savings Account

Here's your health savings account. Funded with tax-free dollars, it's a smart way to pay for items not covered by your health insurance, like copays and prescriptions. And even though your employer can contribute to your HSA, if you leave your company, you take it with you. 

If you have money in it at the end of the year, it rolls over. And once your balance reaches a level set by your employer, you can invest it and grow it more. And get this-- once you hit retirement age, you can use your HSA for anything, even if it's not health care related. That means when you make regular contributions, even small ones, you're saving for retirement. 

So when you're offered an HSA, paired with a qualifying insurance plan, don't turn it down. The savings will surprise you. If you aren't offered one, talk to your employer about providing an HSA option. Quick online enrollment, combined with a benefits debit card anytime, anywhere. Retrieval of account information and the best mobile app in the industry simplifies the business of health care for both of you. 


Insurance products and services offered through McGriff Insurance Services, LLC, a subsidiary of TIH Insurance Holdings, LLC, are not a deposit, not FDIC insured, not guaranteed by a bank, not insured by any federal government agency and may go down in value.

McGriff Insurance Services, LLC. CA License #0C64544