Verifying Card Purchases

It's Easy to Manage Your Elite Benefit Card

You will receive a benefit card activity statement each month that you have a new transaction, a resolved transaction, or an unresolved card transaction that requires further action. To ensure timely notification, CONEXIS will email all card activity statements. Log in to your online account to make sure we have your email address.

Online Tip: Log in to your online account and sign up for Real-time Alerts. You'll get messages about your benefit card activity.

Your monthly card activity statement will include a summary of your card activity and a Return Form that you can use to verify your unresolved transactions requiring action. Simply follow the Return Form directions and submit the completed form with your supporting documentation by the date noted on the form.

Online Tip: Complete an online Return Form and upload supporting documentation through your online account. It's the quickest way to resolve an unresolved card transaction.

IMPORTANT: Failure to submit proper documentation will deactivate your benefit card. If your card is suspended, any following non-card (paper) claims will be used to resolve the balance you owe. These claims will reduce the amount of your reimbursement by the amount of the balance due. Failure to resolve the transaction could result in adverse tax consequences.

Online Tip: If your card has been deactivated, log in to your online account to make a real-time online payment. You can do this with an electronic check. Making an online payment for all of your outstanding transactions will immediately pay back your FSA plan and will reactivate your benefit card.

Card Receipts Helpful Hints

Most card purchases can now be automatically approved. No need for more paperwork. However, sometimes you will need to submit additional documentation.

When receipts are not needed

You purchase your eligible health FSA expenses at a grocery store, discount store, or pharmacy that is an IIAS merchant.
The FSA expense matches a specific co-pay under your employer's medical, vision, or dental plan. The transaction will automatically be approved if the amount is up to five times the applicable co-pay amount.
Recurring expenses will not result in a request for documentation if the expense equals the same amount, duration, and provider as a previously approved FSA expense.
In limited situations, your claim information may be provided through an electronic file from your health, dental, or vision plan.

When receipts are needed

If you are covered under your spouse's health plan and the co-pay for your doctor visit does not match up with the co-pay data provided by your employer's health plan, CONEXIS will ask for documentation to verify the benefit card transaction. The co-pay must match your specific co-pay under your employer's plan. It is not sufficient if the transaction amount matches a co-pay amount under any health plan option provided by your employer or provided by your spouse's employer.
Expect a request for documentation if your co-pay amount exceeds the maximum transaction amount. This is five times the maximum co-pay for the benefit type. For example, you purchase seven prescription drugs at the same time. You will be required to provide supporting documentation for the entire transaction for seven prescriptions.
In rare circumstances, a card purchase made at an IIAS merchant may fail to process properly. If this happens, you will be required to a submit receipt for the eligible expenses purchased with your benefit card.

If you pay for an eligible health care-related expense using a form of payment other than your benefit card (cash, personal credit or debit card, etc.), you must submit an itemized receipt or other supporting documentation along with your completed reimbursement request form.

IMPORTANT: Keep all of your health FSA expense receipts for your card purchases, even if you believe the purchase meets the requirements noted above.

Co-pay Tips

You may use your benefit card for an amount up to five times the maximum co-pay amount. This includes singe co-pays for a specific benefit and a different co-pay for a specific benefit.

Single co-pay for a specific benefit

If a transaction equals a multiple of a specific co-pay, then no additional documentation is required.
If the transaction exceeds five times the applicable co-pay amount, documentation is required.

Example: You and your two kids visit the doctor for an office visit. There is a $20 co-pay per person. Swipe your card one time. The $60 transaction will match as a multiple of your co-pay amount and you will not receive a request for additional documentation.

Different co-pay for a specific benefit

If a transaction equals a multiple of a co-pay for a particular benefit, or a combination of the co-pays for a certain benefit, then no additional documentation is required.
If the transaction exceeds five times the applicable co-pay amount, documentation is required.

Example: Assume your health plan requires a $15 co-pay for generic drugs and a $25 co-pay for brand-name drugs. You use your benefit card at the pharmacy to purchase five prescriptions - three generic drugs and two brand-name drugs. Swipe your card for the $95 purchase. No additional documentation is required because the $95 total is a multiple of a combination of the co-pays for the particular benefit. Plus, the total does not exceed five times the maximum co-pay amount.

Example: Assume your health plan requires a $20 co-pay for prescription drugs. You use your benefit card to purchase seven prescriptions for a total of $140. The $140 transaction exceeds the five times maximum co-pay amount for that particular benefit. That means you must provide documentation for the entire $140 transaction.