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Medcom Cares

Medcom Cares Disaster Recovery Program is the newest addition to our Consumer Driven Health Plans division. Medcom Cares is based on IRS Section 139: Disaster Relief Payments. Section 139 states that employers can provide "Qualified Disaster Relief Payments" to employees, tax-free, who are affected by a federally declared disaster. A qualified disaster relief payment means any amount paid to or for the benefit of an individual to reimburse or pay reasonable and necessary expenses listed as the result of a disaster.

Medcom Cares Basics

• Funds are made available by the employer to employees on a debit card
• The amounts provided are at the employer's discretion
• No substantiation is required
• No manual claims or reimbursements are accepted - the card is the only way to access the funds
• Employers can choose where employees spend their funds
• There are six merchant categories; employers can select them all or customize the list
• The program runs for 90 days
• Unused funds return to the employer
• All contributions are tax-free for the employee - no need to include on a W-2 or 1099