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The WEX Health Payment card is a special-purpose Visa® or MasterCard that gives participants an easy, automatic way to pay for eligible health care/benefit expenses. The Card lets participants electronically access the pre-tax amounts set aside in their respective employee benefits accounts such as Health Savings Accounts (HSA’s), Flexible Spending Accounts (FSA’s) and Health Reimbursement Accounts (HRA’s) *if cards are available for their plans.
How does the WEX Health Payment card work?
The value of the participant’s account contribution is stored on the benefits debit card. When participants have eligible expenses at a business that accepts benefit debit cards, they simply use their Card. The amount of the eligible purchases will be deducted – automatically – from their account and the pre-tax dollars will be electronically transferred to the provider/merchant for immediate payment.
Is the WEX Health Payment card just like other Visa® or MasterCard Cards?
No. The WEX Health Payment card are special-purpose MasterCard and Visa Cards that can be used only for eligible health care/benefits expenses. It cannot be used, for instance, at gas stations or restaurants. There are no monthly bills and no interest.
How many WEX Health Payment cards will the participant receive?
The participant will receive two Cards. If participants would like additional Cards for other family members, they should contact their Plan Administrator at the telephone number or website address printed on the back of the Card.
Will participants receive a new WEX Health Payment card each year?
No. Although you must re-enroll each year to use the card, participants will not receive a new Card each year. If the participant will again have a benefit associated with the Card for the following plan year – and he/she used the Card in the current benefit year – the participant will simply keep using the same Card the following year. The Card will be loaded with the new annual election amount at the start of each plan year or incrementally with each pay period, based on the type of account(s) the participant has.
What if the WEX Health Payment card is lost or stolen?
Participants should call their Plan Administrator at the telephone number printed on the back of the Card. The card should be reported as lost or stolen as soon as they realize it is missing, so the Administrator can turn off their current Card(s) and issue replacement Card(s). There is a fee for replacement cards.
How do participants activate the Card?
Participants should call the toll-free number on the activation sticker on the front of the Card upon receiving. Participants can use both Cards once the first Card is activated – they do not need to activate both. They should wait one business day after activation to use their Cards. Each Card user should sign the Card with his or her own name.
Why do participants need to save all of their itemized receipts?
Participants and their other eligible users should always save itemized receipts for HSA, FSA, and HRA purchases made with the WEX Health Payment card. They may be asked to submit receipts to verify that their expenses comply with IRS guidelines. Each receipt must show: the merchant or provider name, the service received or the item purchased, the date, and the amount of the purchase. The IRS requires that every card transaction must be substantiated. This can occur through automated processing as outlined by the IRS (e.g. copay matching, etc.). If the automated processing is unable to substantiate a transaction, the IRS requires that itemized receipts must be submitted in order to validate expense eligibility.
