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Healthcare Card

How do I verify a transaction if Card Use Verification is requested?
There are three ways to verify your card transactions:
1. Download the WageWorks EZ Receipts® mobile app. Log into your WageWorks account using the mobile app, and click “Submit New Receipt.” Follow the prompts to take photos of your receipts and save them should any of your card transactions require verification.
2. Log into your WageWorks account, click "Submit Receipt or Claim" and follow the prompts to upload digital copies of receipts.
3. Download and print out the Card Use Verification Form. Complete the form and submit it via fax (877-353-9236) or 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 us your original receipts, as you will need these for your records.
Regardless of the method you choose to submit your receipts or documentation, you will need to include these five key pieces of information:
1. Patient's Name: The name of the person who received the service or for whom the item was purchased. For retail store purchases, this information may be excluded.
2. Provider's Name: The provider that delivered the service or where the item was purchased.
3. Date of Service: The date on which services were provided or the item was purchased.
4. Type of Service: A detailed description of the service provided or item purchased. A bag tag is sufficient for prescriptions.
5. Cost: The amount paid for the service or product and/or the portion that is not reimbursed through your insurance carrier.
Please note that credit card receipts typically do not provide the required five pieces of information and will not meet the criteria for card use verification.

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What is a WageWorks® Healthcare Card?
The WageWorks Healthcare Card is the quick and easy way to pay for eligible healthcare expenses using your WageWorks healthcare benefit account(s). It works like a pre-loaded debit card. Use it to make a co-payment at a doctor’s office, purchase prescriptions at the pharmacy, buy a new pair of glasses, and more.

In most cases, you automatically receive a WageWorks Healthcare Card when you sign up for one or more of these WageWorks healthcare benefit accounts:
- WageWorks Healthcare Flexible Spending Account
- WageWorks Health Savings Account
- WageWorks Health Savings Account-Compatible Flexible Spending Account
- WageWorks Health Reimbursement Arrangement
And don't forget that the WageWorks Healthcare Card is "smart"--if you have multiple accounts, such as an HSA and an HSA-Compatible FSA for dental and vision, your card will know which account to pull the funds, making it even easier for you.

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Can I use my WageWorks® Healthcare Card during the grace period after my plan year ends?
Yes, your card automatically uses funds from your current plan year. If you have a grace period, your card will use the funds from the previous year until they are used up or your grace period ends. Then it will use your current plan year funds. If you don't have grace period (and you can check if you do by logging into your WageWorks account and looking at your "use from" dates), your card will use funds for the plan year you are currently in.

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What is CUV?

CUV stands for Card Use Verification. It's a request for an itemized receipt to verify that a card transaction is eligible.

IRS rules dictate that all card transactions must be verified for eligible expenses. When card transactions can’t be verified automatically, you will receive a CUV, and you’ll need to submit an itemized receipt to verify the transaction. We know it’s a pain, but it's necessary to help you and your employer comply with IRS regulations.

WageWorks will notify you if the transaction cannot be automatically verified and provide you with instructions for next steps. You have 90 days from the transaction date to verify your transaction. After 90 days, your WageWorks® Healthcare Card will be suspended.

Here’s a quick and easy way to keep your card from being suspended. Use the WageWorks EZ Receipts mobile app to snap and save photos of receipts. You can submit them right away or store them for future use. That way, if you receive a CUV, you have digital copies of your receipts at your fingertips.

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Where can I use my WageWorks® Healthcare Card?

You can use your WageWorks® Healthcare Card at the doctor, pharmacy, optician, and most general merchandise stores. The card transactions are usually verified automatically. However, some pharmacies, healthcare providers and general merchandise stores are not yet using the industry standard Inventory Information Approval System (IIAS) at checkout, which prevents us from automatically verifying the expense. In these cases, you will need to submit a receipt to verify that the transaction was for an eligible expense or service.

Visit the sigis.org site for a list of merchants using the Inventory Information Approval System. Please keep in mind that you will always have a higher chance of automatic verification if you make your purchase at the pharmacy counter instead of the main checkout registers.

Also, you can check if an expense is eligible by looking through our eligible expenses or ask your employer for what's eligible under your specific plan.

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What kinds of purchases can I make with my WageWorks® Healthcare Card?
You can pay for all kinds of eligible expenses covered under your WageWorks benefit account(s). Use your WageWorks Healthcare Card to pay for eligible healthcare expenses at select pharmacies, healthcare providers, and general merchandise stores that have an industry standard inventory and checkout system. Visit the sigis.org site for a list of merchants using the Inventory Information Approval System.

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Why has my WageWorks® Healthcare Card been suspended?

The most common reason why your WageWorks Healthcare Card is suspended is because you’ve exceeded the 90-day window for verifying a card transaction.

While most WageWorks Healthcare Card transactions are automatically verified, some require additional manual verification to make sure that the card is being used to pay for an eligible expense. Learn more about card use verification here.

WageWorks will notify you if your card transaction cannot be automatically verified and provide you with card use verification instructions. You have 90 days from the transaction date to verify your transaction before your card is suspended.

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How do I get my WageWorks® Healthcare Card reinstated?
There are three ways to have your WageWorks® Healthcare Card reinstated:
1. Log into your WageWorks account and upload a digital copy of your itemized receipt for the card transaction in question;
2. Use the WageWorks EZ Receipts® mobile app to submit a digital copy of your itemized receipt for the card transaction in question; or
3. Fill out and submit a Card Use Verification form by fax or mail. It will take approximately 2-3 business days after the form has been received, processed, and approved for your WageWorks Healthcare Card to be reinstated.
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How will I know if I need to verify a purchase made with my WageWorks ® Healthcare Card?

WageWorks sends you an email if you need to verify a purchase made with your WageWorks® Healthcare Card. You can also see which transactions need verification by logging into your WageWorks account or through the WageWorks EZ Receipts® mobile app.

Please note that you will receive one email notification for each Card Use Verification request within twenty (20) days of the transaction. Make sure you don't miss any important email notifications by keeping your email address current in your WageWorks account.

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How do I get a replacement WageWorks® Healthcare Card?
It's easy! Log into your WageWorks account. Under the “Card Center” tab, click the “Order a Replacement Card” button.

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How do I check the balance on my WageWorks® Healthcare Card?
There are three ways to check the balance on your card:
1. Log into your WageWorks account to check your account balance.
2. Log into your WageWorks account via the WageWorks EZ Receipts® mobile app and check your balance at any time.
3. Text the word CARD to MYINFO (694636) and receive your balance via text message. (You will have to have texting preferences set up first which is quick and easy to do).
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What happens if I use my WageWorks® Healthcare Card at a store that does not have the IRS-approved inventory and checkout system in place?

If you use your WageWorks® Healthcare Card to pay for an eligible expense at a merchant without an IRS-approved system, your card may be declined. If your card is declined, simply use another method to pay for your purchase and then submit a Pay Me Back claim, along with your itemized receipt, to be reimbursed.

You can submit your receipt via fax or email, or simply take a picture of it and send it to us with the EZ Receipts app on your Apple or Android phone.

If your card is accepted, you still may need to verify your card transaction by submitting a copy of your itemized receipt. If this is the case, you will receive a notice from WageWorks asking for verification.

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Can I pay for over-the-counter (OTC) medication using my WageWorks® Healthcare Card?
Sorry, you cannot pay for OTC medication with your card unless you have a prescription for the medication from your doctor and the medication is considered an eligible expense. This is a rule set by the IRS. Check out eligible expenses associated with your account. If the store from which you're buying the OTC medication does not have an IRS-approved inventory and checkout system in place, you need to use another form of payment and submit a Pay Me Back claim to be reimbursed from your WageWorks account.

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What do I do if I lose my receipt?
Don’t worry! You can submit a substitute receipt from another transaction for the purchase of eligible goods or services. The substitute receipt must be for an amount that is equal to or greater than the first transaction that requires verification, and it must include the following five pieces of information, as required by the IRS:
1. Patient's Name: The name of the person who received the service or for whom the item was purchased. For retail store purchases, this information may be excluded.
2. Provider's Name: The provider that delivered the service or where the item was purchased.
3. Date of Service: The date when services were provided or the item was purchased.
4. Type of Service: A detailed description of the service provided or item purchased. A bag tag is sufficient for prescriptions.
5. Cost: The amount paid for the service or product and/or the portion that is not reimbursed through your insurance carrier.
Please submit a completed Card Use Verification form along with your substitute receipt(s). If you don't have a substitute receipt, WageWorks will not be able to verify that your card was used to pay for an eligible expense, and you will need to repay your account. To repay your account, send a check (payable to WageWorks) for the unverified transaction amount, along with a completed Card Use Verification form to: WageWorks, P.O. Box 14053, Lexington, KY 40512. The funds will be applied to your account balance.

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Can I order an additional WageWorks® Healthcare Card for my spouse or child (ren)?
Yes, you can request additional cards for your spouse and/or eligible children (at least 18 years of age) at no charge by logging into your WageWorks account. Under the “Card Center” tab, click the “Order Dependent Card” button.

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Why do I need to submit a receipt after using my WageWorks® Healthcare Card?
You may need to submit a receipt when using your card because we weren’t able to automatically verify that the transaction was for an eligible expense. When you use your card, we first attempt to automatically verify your transaction. If we are unable to do so, you will be asked to submit your receipt to verify the transaction, as IRS rules require that all expenses be eligible.

The good news is that it is easy to verify expenses using our EZ Receipts app on your mobile device. Or you can simply submit a receipt online or fax it, whichever is easier for you. Here are the three ways you can submit a receipt:
1. Download the WageWorks EZ Receipts® mobile app. Log into your WageWorks account using the mobile app, and click “Submit New Receipt.” Follow the prompts to take photos of your receipts and save them should any of your card transactions require verification.
2. Log into your WageWorks account. Click "Submit Receipt or Claim" and follow the prompts to upload digital copies of receipts.
3. Download and print out the Card Use Verification Form Complete the form and submit it via fax (877-353-9236) or 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 us your original receipts, as you will need these for your records.
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Can I use my WageWorks® Healthcare Card to access funds in my HRA?
Yes, you can use WageWorks® Healthcare Card to pay for eligible expenses using funds in your HRA. Your employer and IRS Regulations determine which expenses are eligible for reimbursement under your HRA. Log into your WageWorks account to see what's eligible under your particular HRA. In most cases, WageWorks Healthcare Card transactions for eligible expenses are automatically approved. But please remember to always save your receipts from your card transactions.

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