Your Healthcare card is the quick and easy way to pay for eligible healthcare expenses using your Healthcare FSA.

Read on to find out how to use your card, or jump to a section with these links:

  1. What is a Healthcare debit card?

  2. Set up or change a PIN number

  3. How to use my Healthcare debit card

  4. Where can I use my Healthcare debit card?

  5. When can I use my Healthcare debit card?

  6. What happens if I use my Healthcare debit card at a store without an IRS-approved checkout system?

What is a Healthcare debit card?

Your Healthcare Flexible Spending Account (FSA) card* works like a pre-loaded debit card.   

  • You can pay for all kinds of eligible expenses covered under your FSA.

  • Visit the sigis.org site for a list of merchants using the Inventory Information Approval System (IIAS) that automatically identifies eligible medical expenses.

In most cases, your Healthcare Card is automatically mailed to you when you sign up for healthcare benefits during your Open Enrollment period. Your human resources department or benefits administrator can tell you if employees in your organization automatically receive a Healthcare Card when they enroll in one or more healthcare benefit accounts during Open Enrollment.

Set up or change a PIN number

Your Healthcare card is designed to work like a credit card without the PIN. 

We highly recommend using your Healthcare debit card* like a credit card without the PIN.

  • When you swipe your card at checkout, choose "credit" (even though it isn't a credit card). 

However, the PIN allows your card to be used as debit.

  • The PIN for your Healthcare FSA card is automatically generated and issued when activating the card. You can’t change this PIN.   

  • If you need to retrieve your PIN contact the activation line and have your full card number and ID number available.  

  • A new PIN is assigned when a card is replaced due to being lost, stolen, not received, damaged, destroyed/thrown away or a name change. 

How to use my Healthcare debit card

You use your FSA healthcare card and spend FSA funds to pay deductibles and copayments, but not for insurance premiums.

Your Healthcare Flexible Spending Account (FSA) debit card* makes it quick and easy to pay for eligible healthcare expenses. 

  • When you swipe your card at checkout, choose "credit" (even though it isn't a credit card). 

  • Your entire FSA annual election amount is available on the first day of your plan year.   

  • You can pay for all kinds of eligible expenses covered under your FSA.

Note that you are unable to use the current year Healthcare card* for the previous plan year’s expenses.  

Where can I use my Healthcare debit card?

  • Use it to make a co-payment at a doctor’s office, purchase prescriptions at the pharmacy, buy a new pair of glasses, and more. 

  • Visit the sigis.org site for a list of merchants using the Inventory Information Approval System (IIAS) that automatically identifies eligible medical expenses.

  • You’ll have a higher chance of automatic verification if you make your purchase at the pharmacy counter instead of the main checkout registers. 

  • You can pay for all kinds of eligible expenses covered under your FSA. Ask your employer for what's eligible under your specific plan. 

When can I use my Healthcare debit card?

You can use your debit card to make eligible purchases during your plan year.

Note that you cannot use your healthcare card to pay for a claim that occurs after your plan spend by date; you can only use the card up until your spend by date.

If you have a claim for reimbursement for services after the spend by date, up until your claim it date, it will need to be submitted as a regular claim and cannot be paid for with your healthcare card.

What happens if I use my Healthcare debit card at a store without an IRS-approved checkout system?  

If you use your Healthcare Card to pay for an eligible expense at a merchant without an IRS-approved system, your card may be declined. 

If the merchant doesn’t have an Inventory Information Approval System (IIAS) that automatically identifies eligible medical expenses, your Healthcare debit card* may be declined, 

  • If your card is declined, simply use another method to pay for your purchase and then submit a reimbursement claim, along with your itemized receipt and documentation, to be reimbursed. 

  • If your card is accepted, you still may need to verify your card transaction by submitting a copy of your itemized receipt with documentation. If this is the case, you will receive a notice asking for verification. 

  • A provider or merchant’s terminal set up may not accept your card, even if your purchase is an eligible expense.  

*Your HealthEquity® Visa® Healthcare Card can be used at participating merchants who sell eligible healthcare products or services everywhere Visa debit cards are accepted. Your HealthEquity Visa Healthcare Card is issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc. The Bancorp Bank; Member FDIC

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