WageWorks Healthcare Card

Paying for Healthcare
Just Got Easier

Simplify Your Life with a 
WageWorks® Healthcare Card

Use your prepaid WageWorks Healthcare Card to pay for healthcare products and services,
such as your doctor’s appointments or co-pays, prescriptions, eyeglasses, and contact lenses.

It's just like a debit card - just swipe and go.

How Do I Use My Card?

How Do I Use My Card?

Just Swipe and Go

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Ww _healthcare _cardYour WageWorks® Healthcare Card is a convenient payment method tied to your WageWorks healthcare accounts - your FSA, HRA, and HSA. It works like a debit card.

But the IRS determines how the WageWorks Healthcare Card (Card) can be used and by whom.

Your Card is only for use at select pharmacies, healthcare providers, and general merchandise stores that have an industry standard (IIAS) inventory and checkout system. In most instances, Card transactions are automatically verified at checkout, which means you don’t have to submit a receipt to WageWorks after the transaction. However, you are required to keep each receipt in the event it is needed for later verification and for tax purposes.

Before shopping for prescriptions and over-the-counter items, always check this list of approved merchants that have an IRS-approved inventory system in place.

If you use the Card at a healthcare provider or at a pharmacy that does not have an IRS-approved inventory system, WageWorks will likely require that you submit a receipt or your health insurance explanation of benefits (EOB) to verify that the transaction was for an eligible healthcare good or service. To learn more, review the Claim and Card Use Verification Checklist.

Need help with Card Use Verification (CUV)?

Need help with Card Use Verification (CUV)?

Get answers.

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What is CUV?

A CUV is “Card Use Verification” which is the process of verifying that the card transaction was for an eligible expense.

Some doctors’ offices, hospitals, and dentists perform services which would be considered ineligible for certain accounts. Because the IRS requires us to obtain 100% verification of Healthcare Card transactions, we ask for itemized receipts for all transactions which we are not able to automatically approve. This is called Card Use Verification.

 

How does CUV work?

All Card purchases have to be verified within 90 days of the transaction date in accordance with IRS Regulations.

WageWorks will notify you if the transaction cannot be automatically verified and provide you with instructions for how to proceed. If you do not take action and the transaction remains unverified for 90 days, your Card may be suspended and the unverified amount will be deducted from all future reimbursement claims.

 

How do I complete the verification process?

There are three options for verifying your Card transactions.

  • Online - Complete the receipt upload available when you log into your account at www.wageworks.com. Once you log into your account click "Submit Receipt or Claim" on the home page.
  • With your mobile device - simply download the EZ Receipts® app. Once you have downloaded the app, open the app, log into your account and use the camera to take a picture of your receipt. We will keep the receipt on file and use it to validate any receipts needing verification.
  • Fax/Mail - You can also download the form and submit it via fax (877-353-9236) or postal mail (Attn: Claims Administrator, PO Box 14053, Lexington, KY, 40512) along with copies of your itemized receipts for the card transactions listed on the form. Please do not send your original receipts - send us a copy and keep your originals for your records. If you are completing the CUV form to fax or mail in, there is assistance available at learnwageworks.com/webcuv/ to walk you through completion of the form.

Regardless of the method you choose your receipts or documentation will need to include the five key pieces of information.

  • Date of service
  • Type of service
  • Provider name
  • Patient name
  • Amount you were responsible for paying

Please note a credit card receipt typically will not work for verification as they usually do not include all five pieces of information.

 

Why did my WageWorks® Healthcare Card work if it needs verification?

  • WageWorks and its partners have worked hard to make your Card easy to use at healthcare providers, IRS-approved merchants, and pharmacies. In some instances, the partnerships we've established help us verify prescription transactions after the sale. When receipts are requested, it is usually after purchases at pharmacies that do not have an IRS-approved system or at healthcare providers such as doctors or dentists offices. Therefore, it is extremely important that you save all receipts as the IRS requires 100% verification of all healthcare Card transactions.
  • Check your account regularly by logging in at www.wageworks.com. If you have a Card Use Verification request, receive an alert in your Message Center. Please click the "Go To Now" link and you will be directed to the Card Use Verification (CUV) page where you are given the option to submit your receipts online or use the traditional CUV form process.
  • If WageWorks is unable to approve a transaction automatically as an eligible expense, we will ask for verification. If we request verification of a transaction, you will need to take action to resolve the matter within 90 days of the transaction date according to IRS regulations. You can submit a detailed receipt or documentation for the transaction, submit a substitute receipt for the same or greater amount for an eligible expense that you paid for out-of-pocket and have yet to file reimbursement, or you will need to submit repayment for the amount of the unverified transaction.

 

Why am I being ask for receipts/documentation if I used my Card at a healthcare provider?

The IRS regulates your account and Card. IRS rules determine who can use the account and the types of items or services used.

Some doctors' offices, hospitals, and dentists perform services which would be considered ineligible for the Healthcare Flexible Spending Account. Because the IRS requires us to obtain 100% verification of Card transactions, we ask for itemized receipts for all transactions which we are not able to automatically approve. Please note, if verification is not provided within 90 days of the transaction, your Card may be suspended in accordance with IRS regulations.

 

How can I find out what I need to verify?

If you have an email address on file with us, we will send you an email should you have Card transactions that need to be verified.

One email notification is sent for each Card transaction that requires action. Notification will be sent at least 5 but no later than 20 days after the transaction. You can also find a list of transactions by logging into your WageWorks account online.

 

When will I not need receipts?

We will not ask for receipts when you shop at merchants and pharmacies that have an IRS-approved inventory system in place.

IIAS is the common acronym for the IRS-approved Inventory Information Approval System. IIAS was introduced in 2008 and enables merchants with an approved system to verify Card purchases right at the check-out counter. Since all stores (including pharmacies and drug stores) that sell general merchandise along with healthcare items must participate to accept the Card, it practically eliminates the need to submit receipts to verify the transaction after the purchase. You can find a list of IRS-approved merchants at www.sig-is.org. If we are unable to verify a transaction using the IIAS, we will ask you for receipts detailing the expense.

 

Is there anything I can do to reduce the number of receipts I am asked for?

To reduce the amount of receipts needed try to purchase Over-the-Counter (OTC) and prescription items at merchants, drug stores or pharmacies that have an IRS-approved inventory system in place.

IIAS is the common acronym for the IRS-approved Inventory Information Approval System and enables merchants with an approved system to verify Card purchases right at the check-out counter. Since all stores (including pharmacies and drug stores) that sell general merchandise along with healthcare items must participate to accept the Card, it practically eliminates the need to submit receipts to verify the transaction after the purchase. Another option is the FSA Store, an online store that offers one-stop shopping for qualified FSA and HSA medical supplies. When paying for a service at a healthcare provider, make sure your Explanation of Benefits (EOB) or other service documentation includes the five key pieces of information:

  • Date of service
  • Type of service
  • Provider name
  • Patient name
  • Amount you were responsible for paying

 

I have a valid email address on my account, when can I expect an email notification regarding Card Use Verification?

Notifications are sent 5-20 days from the purchase date of Card transactions that need verification.

WageWorks sends an email notification for each transaction that requires verification. Please note, if you have multiple unverified transactions, you will receive multiple notifications. After 90 days, if you have not verified your transaction, your Card may be suspended. You will be sent a notification that your Card is suspended. The Card will remain suspended until the transactions have been verified. Once WageWorks receives your verification, it will take 24-48 hours to process your receipts and another 24-48 hours to reinstate your Card.

 

What if I didn't keep my receipt or lost it? How can I resolve the transaction?

  • If you don't have your receipt or cannot find it, you may submit a substitute receipt of equal value or repay your account.
  • Substitute receipt – an eligible healthcare expense that you made with a form of payment other than your WageWorks® Healthcare Card. The substitute receipt will need to be for the same or greater amount than the transaction that needs verification. It also must include the five details required by the IRS:
    • Date of service
    • Type of service
    • Provider name
    • Patient name
    • Amount you were responsible for paying
    Please be sure to include your completed Card Use Verification form with the substitute receipts.
  • Repay your account – for the amount that needs verification to avoid potential tax consequences. If you have a transaction that needs to be verified as an eligible expense and you don’t have the applicable documentation, you will need to repay your account as your account is deemed for use of IRS-approved healthcare expenses. Send a check made payable to WageWorks for the amount that is outstanding, along with the completed Card Use Verification form, to P.O. Box 14053, Lexington, KY 40512. The funds will be applied back to your account balance.

What Can I Buy
with My Card?

What Can I Buy
with My Card?

Pay for Eligible Healthcare Expenses

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Use your WageWorks® Healthcare Card for co-payments at the doctor or other healthcare provider, prescription medication at the pharmacy, and other healthcare products and services.

But note that your WageWorks® Healthcare Card is only for use at select pharmacies, healthcare providers, and general merchandise stores that have an industry standard (IIAS) inventory and checkout system.

Check list of approved merchants to see where you can use your card.

Check out this list of eligible expenses:

Do I Have To Verify Expenses?

Do I Have To
Verify Expenses?

Not Always, But There Are Rules

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While your WageWorks® Healthcare Card offers you great convenience, it is regulated by IRS rules that you must follow.

 All WageWorks® Healthcare Card purchases must be verified within 90 days of the transaction date.

WageWorks will notify you if the transaction cannot be automatically verified and provide you with verification instructions. If you do not take action and the transaction remains unverified for 90 days, your Card may be suspended and the unverified amount will be deducted from all future reimbursement claims.

More WageWorks® Healthcare Card expense information is here. 

How Smart
Is My Card?

How Smart Is My Card?

Very Smart

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Your WageWorks® Healthcare Card is very smart.

You’ll know when a Card transaction needs to be verified. WageWorks will notify you of any Card transactions that require attention when you log into your WageWorks account.

 Your WageWorks Healthcare Card works like a smart debit card to pay for eligible healthcare expenses from the right account at the right time. Your smart Healthcare Card knows exactly which account to pull from - your HSA, FSA, or HRA - and allows you to pay directly from your account . For example, your Card will always pull funds from your FSA first. Why? Since your FSA funds do not roll over year to year, you want to be sure to spend them first, and your Card knows that. Once your FSA funds have been used  your Card will know to pull either your HRA or HSA, depending on which account you have.