Debit Card Substantiation Process

We do our best to make sure your debit card transactions meet IRS regulations. But every now and then we may need your help. Check out the information below to help you avoid debit card suspension.

Valid Documentation Guidelines

Valid documentation includes an Explanation of Benefits (EOB) document or a detailed statement from your provider. Documentation must include the following:

  • Provider name
  • Date of service
  • Description of service(s) received
  • Patient name
  • Amount

Helpful tips:

  • It is best to use your EOB, especially if your insurance paid a portion of the expense.
  • Make sure your documentation is legible.
  • Handwritten documentation must include stamped provider information.

How to Submit Valid Documentation for Your Debit Card Transactions

Choose one of the following options when submitting your documentation.

  • Online Submission: 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.
  • Mobile Submission: To upload documentation via Medical Mutual’s AccountLink mobile app, download the AccountLink app from the App Store® or Google Play™ by searching for AccountLink. Once you’re registered and logged in to the app, click Attach Receipt and upload documentation from your camera roll. For more information on how to register for AccountLink, click here.
  • Paper Documentation Submission: To mail or fax your documentation, please sign and date where indicated and include a copy of all pages of the letter. If submitting a check for payment, you must mail the letter, along with your documentation and check. Online, mobile and fax services are not available for check repayment.

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.

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