Debit Card Substantiation Process

Auto Substantiation

To help you avoid submitting unnecessary paperwork, we first attempt to auto substantiate your transaction. We do this using the following process to determine if your expenses meets IRS eligibility requirements.

• Copay Matching: We automatically process transactions you make at an eligible location, if the amount is not more than five times your copay.

• Recurring Expenses: A recurring expense must be from the same provider and for the same dollar amount from a previously substantiated transaction within the same plan year. While we attempt to identify recurring expenses, you must contact Customer Care at 800.525.9252 or indicate on the initial substantiation documentation that the expense is recurring. An example of a recurring expense would be for orthodontic services (such as braces), where the orthodontist charges the same amount for a specific number of monthly visits.

• Inventory Information Approval System (IIAS): With this system, only eligible items are approved for payment when you use your debit card at retail locations (e.g., grocery, pharmacy and discount stores). To identify whether the item is eligible, a location must use an IIAS at the point of sale. This eliminates the need to verify your transactions.

• EOB Matching: Your debit card may not automatically verify your transaction at the point of sale. In this case, we attempt to match your transaction with claims processed through your health plan (Medical Mutual only). We can validate the transaction if it is electronically matched to an EOB, but we may ask you to submit a receipt for the transaction.

Manual Substantiation

If a transaction fails the auto substantiation process, the IRS requires you to provide valid documentation for the expense or repay the full amount of the expense. We will notify you by email or mail to ask for valid documentation or repayment.

IMPORTANT: Failure to submit appropriate proof or repayment of your expense will result in the suspension or loss of your card privileges.