REIMBURSEMENT OPTIONS

Choose your reimbursement method

  • Direct deposit
    (free and no minimum reimbursement requirement) Most employers will allow for direct deposit as a reimbursement method. In order to sign up for direct deposit, simply complete a Direct Deposit Form and send back to Medcom along with a copy of a voided check. Your request cannot be processed without a voided check or documentation from your financial institution verifying your account/routing numbers.
  • Check



Medcom Debit Card

For both medical and dependent care purchases made on your Benefits Debit Card, the IRS requires the expense be verified.

Some of those purchases can be verified electronically right at the point of purchase, so there’s no need for additional substantiation.

  • When requesting reimbursement for dual purpose products, you may be required to obtain a letter of medical necessity from your medical physician. The letter of medical necessity must include the following:
  • Other card purchases will require additional substantiation because the providers don’t typically have the IIAS in place. They include:

    • Doctor’s offices
    • Hospitals
    • Clinics
    • Dental providers
    • Vision/optical facilities
    • Pharmacies and drug stores without an IIAS

    If you use your FSA to purchase over-the-counter (OTC) medications:

    As a result of Health Care Reform, the IRS will require a prescription for OTC medication to be eligible for reimbursement. This change is for medicine purchased on January 1, 2011 or later. If you take the OTC item to the pharmacy and have them fill the item as a prescription, your debit card may be used for the purchase. If you do not have the pharmacy fill the item as a prescription, your debit card may be declined.

    Enrolled in a Limited Health FSA?

    You can use your debit card for dental and vision. If your Plan allows, once you meet your annual deductible, you may use your Limited Health FSA (although not your card) for all eligible expenses, including medical. Check your Plan description for details about the Limited Health FSA. In most cases, a Limited FSA is not offered unless you are also enrolled in a Health Savings Account (HSA).