FLEXTRA Account
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Flexible Spending Debit Card Q&A
 
  • What is the Flexible Spending Debit™ Prepaid Benefits Card?
    The Flexible Spending Debit Card is a special-purpose MasterCard® card that gives you an easy, automatic way to pay for qualified health care/benefit expenses. The Card lets you electronically access the pre-tax amounts set aside in your FLEXTRA Account. This card may only be used for health care expenses, not for dependent care. For dependent care expenses you must still file a paper or electronic claim.
  • How do I activate the Flexible Spending Debit Card?
    Your Flexible Spending Debit Card is activated on the first swipe of the card.
  • How does the Prepaid Benefits Card work?
    It works like a MasterCard® Card, with the value of your yearly target amount stored on it. When you have eligible expenses at a business that accepts MasterCard®, simply use your Card. The amount of your eligible purchases will be deducted automatically from your account and the pre-tax dollars will be electronically transferred to the provider/merchant for immediate payment.
  • Is the Prepaid Benefits Card just like other MasterCard® ?
    No. The Prepaid Benefits Card is a special-purpose MasterCard® that can be used only for eligible expenses. It cannot be used, for instance, at gas stations or restaurants. There are no monthly bills and no interest.
  • Why do I need to save all of my itemized receipts?
    You should always save itemized receipts for purchases made with the Prepaid Benefits Card. You may be asked to submit receipts to verify that your expenses comply with IRS guidelines just as you would if you were filing a paper claim. Each receipt must show: the merchant or provider name, the service received, or the item purchased, the date, insurance payment, and the amount of the purchase.
  • How many Prepaid Benefits Cards will I receive?
    You will receive one card. You may request one additional card for a spouse or a dependent. Since you can only request one additional card, consider carefully who should receive the extra card. To request the additional card please call CompuSys/Erisa at 1-512-250-9397.
  • Do I need a new Prepaid Benefits Card each year?
    As long as the respective employee benefit account(s) remain part of your benefit plan and you elect to participate each year, your Prepaid Benefits Card will be loaded with your new annual election amount at the start of each plan year. After three years you will automatically be issued a new card as long as you are still enrolled in the benefits plan.
  • What do I do if my Prepaid Benefits Card is lost or stolen?
    Call CompuSys/Erisa Group Inc. to report your card lost or stolen as soon as you realize it is missing, so that we can turn off your current card(s) and issue replacement card(s).
  • What dollar amount is on my Prepaid Benefits Card when I activate it?
    For Health Care, the dollar value on your Card will be the annual amount you elected to contribute to your respective employee benefit account(s) during your annual benefits enrollment. It's from that total dollar amount that eligible expenses will be deducted as you use your card or submit manual claims
  • Where can I use my Prepaid Benefits Card?
    Your Prepaid Benefits Card can be used to pay for eligible goods and services at providers/merchants that offer these goods or services and accept MasterCard® debit cards. You can also use your Card at health care providers, such as hospitals, doctors, dentists, and pharmacies.
  • Can I use my debit card for Over The Counter Items (OTC)?
    Not all stores are set up to accept OTC purchases with your Flexible Benefit Debit card, so even if you present the prescription with your purchase it might not go through. This means that your purchase might be denied at stores where you were once able to use your Flexible Benefit Debit Card to buy OTC items.
  • If a store won't accept my card how do I get reimbursed?
    If you purchase an OTC item out of pocket you may request reimbursement from your flexible benefit account. To request reimbursement, you must submit a claim form to CompuSys/Erisa along with an itemized receipt and prescription for the OTC item. For expenses that are not OTC, just send in the itemized bill, prescription tag or Explanation of Benefits to CompuSys/Erisa along with a completed claim form. Claim forms are available at coaflextra.com under the heading "Forms".
  • If asked, should I select "Debit" or "Credit"?
    The Card is actually a prepaid Card. But, since there is no "prepaid" selection available, you'll select "Credit." You do not need a PIN and you cannot get cash with the Prepaid Benefits Card.
  • Can I use my debit card to pay for expenses from previous years?
    Your debit card should only be used for expenses for the current plan year, if you use your card for expenses incurred in the prior plan year you will have to reimburse your account. If you do not reimburse your account, your card will be in danger of getting suspended.
  • What if I lose my receipts or I accidentally swipe the Card for something that's not eligible?
    Usually the service provider can recreate an account history and provide a replacement receipt. In the event that a receipt cannot be located, recreated, or if the expense is ineligible for reimbursement, you can send a check or money order to CompuSys/Erisa Group Inc. for the amount so it can be credited back to your benefit account.
  • How do I know how much is in my account?
    You can use your Employee Identification Number to log on to benefitspaymensystem.com or your Employee ID your and PIN to log on to your account at coaflextra.com to view your account activity and current balance. You can also call CompuSys/Erisa Group Inc. to obtain your current balance. You should always know your account balance before you make a purchase with the Card.
  • What if I go over my account balance?
    If you try to make a purchase that is over your account balance the transaction will be denied for insufficient funds, your purchase cannot exceed the amount of money currently in your FLEXTRA Account.
  • If I was temporarily deactivated can I use it in the new plan year?
    If your card has been suspended, you will not be able to use your card until you have cleared up all outstanding charges.
If you have any questions regarding this communication please contact CompuSys/Erisa at (512) 250-9397 or FLEXTRA@cserisa.com
 
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