Debit Card

Before activating your card, READ this important information for cardholders!

Benny™ makes it easier to access the money you’ve set aside in your Health Care FSA and/or Health Reimbursement Arrangement (HRA). Be sure to review your plan documents to learn more about where and with what you can use your Card. Or call the number on the back of your Card if you need more information.

benny_card  envelope

To use your Benny™ MasterCard® Card successfully at the pharmacy, remember:

  • Your Benny™ Card can only be used to pay exact amounts you owe for prescriptions covered by your health plan or OTC supply items.
  • Effective January 1, 2009, the IRS required all grocery stores, discount stores, and pharmacies to have an Inventory Information Approval System (IIAS) in place. The system automatically recognizes and separates eligible and ineligible purchases. These purchases will not require you to submit a receipt. The card will only work at merchants that have the IIAS System. You still have to save all of your receipts, as this is an IRS governed plan. Click on IIAS Info to access a list of participating merchants.
  • The BeneFLEX Card may be used for your spouse and dependents listed on your income tax return.
  • Save all receipts. BeneFLEX may contact you to submit a receipt to verify an expense. To meet IRS requirements, if such receipts aren’t sent to BeneFLEX in the timeframe indicated in the correspondence, your Card may be suspended until the issue is resolved.

You need to activate your Benny™ Card before you can use it!

Activating Your Card

Q: How do I activate the Benny™ Card?

A: Call the toll free number on the activation sticker on your Card. You only need to activate one Card. Each user needs to sign one Card with his or her name.

Q: When can I start using my Benny™ Cards?

A: The Cards can be used the next business day following when you activate it.

Q: What dollar amount is on my Benny™ Card when I activate it?

A: Once you activate, the dollar value on your Card will be the annual full amount you elected to contribute to your Healthcare FSA during your annual benefits enrollment and/or the total value of your HRA minus any reimbursement made prior to the Card activation or the balance in your account at the time of activation. It’s from those amounts that eligible FSA and/or HRA expenses will be deducted as you use your Card or submit manual claims. Prior to each use, it’s a good idea to visit the website, mobile app, or call the number listed on the back of your Card to check the amount remaining in your account.

Q: If asked, should I select “Debit” or “Credit”?

A: The Benny™ Card is a stored-value card. You may choose “credit” and sign the receipt, or you may choose “debit” if you have set up the 4-digit PIN#.

Important Information for Cardholders!

Q: Where can I use my Benny™ Card?

A: Your Benny™ Card is for use at merchant locations that accept MasterCard where you incur qualified health-related expenses.Typically, you can use your Benny™ Card at

  • Doctors
  • Podiatrists
  • Pharmacies
  • Chiropractors
  • Dentists & Orthodontists
  • Medical supply stores
  • Vision centers
  • Hospitals
  • Medical labs

and for qualified, out-of-pocket healthcare expenses, such as

  • Co-payments, coinsurance, deductibles
  • Dental & orthodontic expenses
  • Vision expenses & Lasik surgery
  • Hospital charges

(Some examples of healthcare expenses not qualified are most cosmetic surgeries, teeth whitening, and health club memberships.)

Remember to review your employer’s plan documents or call the number on the back of your Card to learn more about where to use your Benny™ Card. (You can’t use the Card at non-health related MasterCard locations, such as restaurants, gas stations, and bookstores.)

Q: What if I order my prescription through an online or mail order program?

A: Simply enter the Benny™ Card number on the order form and submit it to the online or mail order company, similar to any other MasterCard transaction.

Q: What are some reasons my Benny™ Card might not work at point-of-service?

  • Your Card has not been activated.
  • You used your Card before waiting until the next business day after activation.
  • You have insufficient funds remaining in your FSA and/or HRA to cover the entire expense.
  • You purchased non-covered prescriptions at the pharmacy.
  • The merchant is encountering problems (such as coding or swipe box issues).

Q: How will the Benny™ Card work with OTC products?

A: The Patient Protection and Affordable Care Act of 2010 changed the rules for the purchase of over the counter (OTC) products using your Flexible Spending Account (FSA), Health Reimbursement Arrangement (HRA), or Health Savings Account (HSA) pre-tax funds.As of January 1, 2011 FSA, HRA, or HSA funds can no longer be used to purchase OTC medicine and drugs unless a medicine or drug is prescribed. A “prescription” means a written or electronic order for a medicine or drug that meets the legal requirements of a prescription in the state in which the medical expense is incurred and that is issued by an individual who is legally authorized to issue a prescription in that state. If you have a prescription for an OTC medicine or drug, you must pay out of pocket at point of sale and then submit a manual claim requesting reimbursement.

You can continue to use your FSA, HRA, or HSA funds to purchase OTC items that are not considered a medicine or drug (e.g. bandages, splints, contact lens solution, etc.) Please note that insulin remains an eligible expense with or without a prescription.

Using the Card

Q: Can I use the Benny™ Card if I receive a statement with a “Patient Balance Due” for a medical service?

A: Yes. As long as you have sufficient funds in your Health Care FSA and/or HRA for the balance due, simply write the Benny™ Card number on your statement and send it back to the provider. Services rendered during a prior plan year cannot be placed on the Card and, therefore, must be submitted via a manual claim. Be sure to save all documents in case you are asked by BeneFLEX to submit these to verify a transaction.

Q: How do I use my Benny™ MasterCard® when a provider requires me to pay in full (in excess of my co-pay) at point of service?

A: You should not use your Benny™ Card if you plan to submit the expense to your health plan. You should pay the required amount with some other means at the point-of-sale and send the claim to your health plan. Then, for any amount not reimbursed by your health plan, submit a manual claim to BeneFLEX.

Q: Can I use my Benny™ Card to pay for services incurred in a previous plan year?

A: No, the IRS regulations do not allow you to use your current FSA and/or HRA for previous plan year expenses. You’ll need to submit a manual claim to BeneFLEX.

Q: How do I know how much is in my FSA and/or HRA account?

A: Visit the website, mobile app, or call the number listed on the back of your Card to check the amount remaining in your account. It’s a good idea to know your account balance each time before you make a purchase with the Benny™ Card to be sure you have sufficient funds to cover your entire expense.

Q: What if I have an expense that is more than the amount left in my Healthcare FSA and/or HRA?

A: If the expense is more than your remaining FSA and/or HRA balance and the merchant puts through a request for the entire expense, the request will be declined. You can split the cost by telling the clerk you wish to use the Benny™ Card for the exact amount left in your FSA and/or HRA and then pay for the remaining amount separately. Or, you may pay the entire amount by a means other than Benny™ and submit a manual claim to BeneFLEX. By checking your account balance often, you will have a good idea of how much is available in your FSA and/or HRA.

Q: Do I need a new Benny™ Card each year?

A: No. Your Benny™ Card will be loaded with your new annual election amount at the start of each plan year. The card is good for five years.

Q: Where do I go for answers to my questions?

A: You can email, or call BeneFLEX in St. Louis at 314-909-6979, toll free 800-631-3539.

Q: What if I lose my Card or need another one?

A: A replacement Card or an additional Card is $10. You can request a replacement Card through BeneFLEX. The fee will come from your flex account.

Enjoy using your Benny™ Card! It makes FSAs/HRAs Fast. Easy. Automatic!