There are three ways to verify your card transactions:
Regardless of the method you choose to submit your receipts or documentation, you will need to include these five key pieces of information:
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:
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.
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.
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.
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.
There are three ways to have your WageWorks® Healthcare Card reinstated:
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.
There are three ways to check the balance on your card:
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.
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:
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 it, whichever is easier for you. Here are the three ways you can submit a receipt: