FAQ

What are Visa Healthcare cards?

Visa Healthcare cards help connect you with your benefit account funds. Whether the account is an HSA, FSA, or HRA, your Visa card allows direct access to those funds. Rather than having to pay out-of-pocket for qualified medical expenses and then filing for reimbursement, a Visa Healthcare card lets you directly pay for prescriptions, over the counter medications, and qualified medical treatments and procedures from your healthcare account—making the transaction easy and worry-free. When the FSA/HRA card is used at an IIAS-participating merchant, the requirement to submit a paper claim/receipt is virtually eliminated.

How do I get a Visa Healthcare card?

For more information or to learn how you can get a Visa Healthcare card, contact your employer or benefit administrator.

How do I use my Visa Healthcare card?

Visa Healthcare cards can be used to easily pay for qualified medical expenses (allowed by the benefit plan). Because use of FSA/HRA cards are limited to the purchase of qualified medical expenses, as per IRS guidelines, they can only be used at eligible healthcare and drugstore merchant locations that accept Visa debit cards. HSA cards, however, may or may not be restricted to healthcare merchant locations only.

What if a particular healthcare merchant does not accept Visa debit cards?

You should use another form of payment for the qualified medical expense, retain an itemized receipt, follow the rules and requirements of your FSA/HRA plan, and then:

• file for reimbursement from the plan administrator if enrolled in an FSA/HRA account
• reimburse yourself from your HSA if enrolled in an HSA account (or leave your funds in your HSA)

Can Visa Healthcare cards be used to purchase items from Internet healthcare merchants?

Yes, as long as the items are qualified medical expenses and are covered by the benefit plan. You should request and keep a copy of the itemized receipt for your records.

Why do I need to save itemized receipts?

Itemized receipts should always be retained as proof of qualified medical purchases. In the future, the benefits plan (or the IRS) may require documentation on how these funds were spent.

What if there are not enough funds in my account to cover qualified expenses?

Transactions will generally be declined if there are insufficient funds in your account. You should always know your balance before you use the card to pay for medical expenses.

What are some of the reasons why a Visa FSA/HRA card may be declined?

Visa FSA/HRA cards may be declined for a number of reasons. Some of the most common are:

• Card not activated (also applies to HSA cards)
• Insufficient account balance (also applies to HSA cards)
• Purchase of non-eligible items
• Card use at a non-SIGIS-certified merchant location

Where can I find more information on HSAs?

Visit the website of the Department of the Treasury, Office of Public Affairs.

What if I have detailed questions about Visa Healthcare cards or a related healthcare account?

Please contact your employer or benefit administrator for more information on your FSA/HRA or your HSA custodian/trustee for information on your HSA.