Debit Card Substantiation Process

Commonly Asked Questions

Do I need to save all receipts from purchased made with my Medical Mutual debit card?

Yes. You should always save itemized receipts, bills or statements from your providers for purchases made with the Medical Mutual debit card. While we attempt to auto substantiate your transactions, you may be asked to submit documentation to verify that your expenses comply with IRS guidelines. Your documentation must show the merchant/provider name, the description of service received, or the item purchased, the date of service received, and amount of the purchase.

Can I use the Medical Mutual debit card if I receive a medical bill with a balance due?

Yes. However, a balance due invoice does not satisfy the IRS substantiation requirements for eligible expenses. Please submit fully itemized receipts or EOBs and other required documentation to substantiate the transaction.

What if I lose a receipt and need to manually substantiate a claim or I used the debit card for an ineligible expense?

Usually the service provider can provide a replacement receipt. If the expense is ineligible for reimbursement, send a check or money order to Medical Mutual for the unsubstantiated amount to reimburse your account. Send to:

Mail:

Medical Mutual Services
MZ: 02-3B-8317
100 American Rd.
Brooklyn, OH 44144

Fax: 1-440-878-4890

Reminder: If you are including a check for repayment of the listed expense(s), you must mail your check, along with a copy of all pages of the letter. Online, mobile and fax services are not available for check repayment. Make checks payable to Medical Mutual Services.

What if I fail to submit receipts to verify a charge?

If receipts are not submitted as requested, your card will be suspended until valid documentation is received. If you cannot substantiate the charge, you may be required to repay the amount. Submitting a receipt or repaying the amount in question will reactivate the card.

Can I submit receipts electronically?

Yes. You can log in to your My Spending Accounts website or AccountLink mobile app to submit receipts. To upload documentation online, log in to My Spending Accounts, click on the My Accounts tab and select Claim Activity. Transactions requiring validation will be highlighted in yellow and listed as Action Needed. Click on the Add Receipt Button for the transaction you want to validate.

To upload documentation through AccountLink, log in and click Attach Receipt. Transactions that need verified will be highlighted in blue and listed as Action Needed. Click the Add Receipt Button to upload documentation from your camera roll. If you need help accessing AccountLink or registering for an account, click here.

What happens once I submit my substantiation documentation?

Once your documentation is received and reviewed, the pending status in your online transaction history will be updated to one of the following:

• Approved: If your substantiation documentation is correct and the expense is eligible, no further action is required; the transaction has been substantiated.
• Insufficient Documentation: When your substantiation documentation is not complete or is invalid, we will notify you and request additional information.
• Ineligible: When your substantiation documentation is correct, but you used your debit card to pay for an ineligible expense. For example: cosmetic services and services incurred outside of the plan year. You will receive a letter or email stating that your expense was ineligible with instructions on how to reimburse your account.

If you have any questions about our debit card substantiation process, please call 1-800-525-9252 or email MySpendingAccounts@MedMutual.com.