SmartFlex®
Debit Card Instructions
Welcome to the new age of Flexible
Spending Accounts! This card allows you to pay for medical expenses incurred by
you and/or your dependents with the dollars you have allocated to your Health
Care Flexible Spending Account.
Your card works in the same manner as a regular Visa except the dollars are deducted from your Flexible Spending Account. Your card may be used at any medical provider who accepts Visa. The card is issued to you, the employee. Your eligible dependent may obtain a card for a one-time charge of $5.00.
IRS Regulations require back up documentation for all transactions to verify that the debit card purchase is an IRS-allowable expense except for the following:
• Prescription Copays - no receipt needed
• Health Care Services Copays - no receipt needed
• For all debit card swipes except for the prescription and health care services copays, please complete the “SmartFlex® Debit Card Receipt Form” which can be printed at www.tuckeradministrators.com, go to the “Forms” tab, and click on this form to print. Fax the completed form to Tucker Administrators at 704-525-9534 within 10 days of the original transaction, with the itemized bill/receipt. It must include the patient name, date of service, description of service, cost of service and amount due. If documentation is not received by Tucker Administrators after 10 days, a letter will be sent requesting the receipts. If you do not respond within 10 days of the date of the letter, you will receive another letter requesting eligible purchase verification. If you do not respond to this second letter within 10 days, a third letter will be sent to you. If you do not respond to the third letter within 10 days, your debit card will be inactivated. You can still submit a manual claim from which the unverified purchase will be deducted.
• All expenses must have been incurred during the plan year. Expenses paid using your Debit Card must be transmitted by the last day of the current plan year, October 1, 2006 to September 30, 2007.
• You do not have to use your debit card; you may submit a manual claim for reimbursement. Expenses must be incurred during the current plan year; however, you will have ninety (90) days from the end of the plan year to submit your claim.
SMARTFLEX DEBIT CARD PARTICIPANT FREQUENTLY ASKED QUESTIONS AND ANSWERS
Q. How does my SmartFlex® Card work?
A. Your SmartFlex Card works like any
other Visa you may already have. When paying for an eligible purchase, simply
swipe the card anywhere Visa is accepted. Tell the cashier the swipe is
to go through as a "CREDIT", even though it is called a debit card.
Q. Does my SmartFlex® Card work anywhere?
A. No, the SmartFlex® Card only
works at an authorized vendor, i.e. medical facility, pharmacy, or hospital.
They can also be used in most grocery store chains that have a pharmacy, and
stores such as Wal Mart and Target that have pharmacy departments. The
SmartFlex® Card is programmed to work solely with vendors who have
appropriate merchant codes related to medical expenses.
Q. Do I still need to submit verification of claims?
A. Yes, Verification of a transaction is
required for all transactions except for copays to avoid
disruption of service. This is an IRS requirement. Verification of the expense
must be submitted in the form of an itemized bill/receipt. It must include
patient name, date of service, description of service, service cost and patient
liability. This documentation must be faxed to Tucker Administrators within a 10
days after the original transaction date using the Debit Card Verification Form.
Q. Can my SmartFlex® Card distinguish whether or not
the expense charged is eligible?
A. No, the SmartFlex® Card only
recognizes the valid merchant codes and your eligible balance. However, the
administrator reviews all expenses. The administrator will request reimbursement
for payment for an ineligible expense via email or letter. You are responsible
to pay any ineligible expenses to your employer who in turn pays the
administrator.
Q. Does the administrator penalize me if I do not
repay?
A. If you use the SmartFlex®
Card for an ineligible expense, you are required to refund the plan, or you may
provide another manual reimbursement to offset the ineligible expense.
Failure to refund the account within 30 days of transaction
will result in the debit card inactivation.
Q. Whom do I contact if my card is lost or stolen,
or if I have a problem with the card?
A. If you have any problems with your
card, or if your card is lost or stolen, please contact the flex department at
Tucker Administrators, at 704-347-1232.
SUMMARY
You may send all requests for
reimbursement directly to Tucker Administrators at the following address:
Tucker Administrators, Inc.
3800 Arco Corporate Drive, Suite 450
Charlotte, NC 28273
Telephone: 800-347-1232
Fax: 704-525-9534
www.tuckeradministrators.com
SmartFlex® Card claims should be faxed in with the SmartFlex Debit Card Receipt Form only (found on our website www.tuckeradministrators.com to 704-525-9534.
All other non-debit card Healthcare Reimbursement and Dependent Care Reimbursement claims should be faxed or mailed to Tucker Administrators at the fax number or address listed above with a Tucker Administrators manual claim form. This form may be printed from the Tucker Administrators website at www.tuckeradministrators.com and clicking on the "Forms" tab.