Health care FSA debit card
Note: The debit card function is not available for crew members who elect the limited health care FSA.
How do I get my health care FSA debit card?
If you elect the general purpose health care FSA, you will automatically receive a debit card in the mail within a few weeks of enrolling. You can request additional cards if necessary.
How do I activate my FSA debit card?
To activate your debit card, call PayFlex at 877-261-9951. When prompted for the last four digits of your ID number, please enter the last four digits of your crew ID. To protect your personal data, Social Security numbers are not required.
Do I need to set up a PIN for my FSA debit card?
You or a merchant that accepts your FSA debit card can choose to process your payment as debit or credit. If the merchant requires a debit payment, you will need to enter your personal identification number (PIN) to complete the transaction. To get a PIN for your card, please call PayFlex Card Services at 888-999-0121. The same PIN should be used for all debit card account holders on your plan.
Can I use my debit card to pay for office visit deductibles and coinsurance?
No. The debit card is for prescription drug purchases and eligible over-the-counter purchases only. The Auto Pay process can be used to pay for medical and dental office visit deductibles and coinsurance.
Can I use my debit card for retail prescription copays and coinsurance?
Yes. You can use your debit card at any retail pharmacy for prescription copays and coinsurance. These transactions will be automatically deducted from your FSA.
Can I use my debit card to pay for CVS Caremark mail order prescription drugs?
Yes. You can use your debit card to pay for your CVS Caremark mail order prescription drug copays or coinsurance amounts. Simply provide the account information listed on your debit card when completing the payment information section of the Prescription mail order form.
Can I use my debit card to pay for eligible over-the-counter products?
Yes. You may use your debit card at many retail or online locations to purchase certain over-the-counter items that have been approved by the IRS. Refer to IRS Publication 969 for more information. For a list of locations that accept the card, see the PayFlex website. To receive reimbursement for over-the-counter purchases made at merchants other than those on the list, you must submit the FSA claim form with a receipt.
Many over-the-counter medicines require a prescription from your doctor in order to be eligible for FSA reimbursement. These products cannot be purchased using a debit card (you must submit the FSA claim form). The PayFlex website provides a complete list of these items.
Can I use my debit card during the three-month grace period (until March 15 of the next year) to incur expenses?
Yes. Debit card transactions will be processed against any remaining prior-year balance first. Once your prior-year balance has been exhausted, purchases made with your debit card will be applied to your current-year balance.
For example, if you were to purchase prescriptions using your debit card in January of the current plan year, the expense would be applied to any remaining balance from the previous year first.
Will my debit card still work if I use all the funds in my FSA?
No. The card will be denied when the FSA is "empty" (i.e., your health care reimbursements have exceeded the amount of your annual health care pledge). Therefore, you will have to pay for remaining health care expenses out of pocket for the rest of the plan year.
Is there a limit on the number of prescriptions I can purchase in one debit card transaction?
Yes. You can purchase up to eight prescriptions per debit card transaction. You can purchase more than eight with separate transactions.
Will a new debit card be issued for each plan year I enroll?
No. The debit cards are good for five years, so do not cut them up or throw them away if you exhaust your account during the plan year. The expiration date is printed on the card and new cards will be issued when the old ones are about to expire.
If I elect COBRA for the FSA, can I still use my debit card?
No. The health care FSA debit card will be deactivated when your employment terminates. You will need to request any reimbursement using the claim form.