Using Your Chard Snyder Benefits Card
Use your Chard Snyder Benefits Card and keep your cash in your pocket. Using Your Chard Snyder Benefits Card at a Store You can pay for eligible expenses with your benefits card and in most cases no follow-up will be required. Ensure that you are using your benefits card for expenses that are eligible under your FSA plan type. To pay using the benefits card: 1. Swipe your benefits card at the checkout 2. If you have enough money in your account and you are purchasing eligible items, the amount of those purchases will be deducted automatically from your account 3. Save your receipts to verify that your expenses comply with IRS guidelines. Most eligible expenses are approved automatically, but you may be asked for copies to verify some of your purchases. Your receipt must show the merchant name, service received or item purchased, date and amount of the expense Using Your Chard Snyder Benefits Card at a Doctor, Dentist, Orthodontist or Optical Office 1. The charges provided at the time of service may not reflect any discounts negotiated by your insurance company. Use your card to pay for services after you receive an Explanation of Benefits (EOB) from your insurance company. 2. Compare the EOB with your provider’s invoice to confirm that you are paying the correct amount. Make sure that you are are only paying for services that occurred during the current FSA plan year (services incurred before the plan year began are not eligible expenses). Write your benefits card number in the space provided for a card payment on the invoice and send it back to your provider or pay your provider online or by phone. 3. If your provider requires payment at the time of service, pay a minimum amount and the balance after you receive your EOB. 4. Make sure you send in copies of your receipts or EOBs if you receive a letter from Chard Snyder requesting them. If requested receipts are not sent in, your benefits card could be suspended. Over-the-Counter Healthcare Items • Use your benefits card to purchase eligible over-the-counter drugs and medicines such as ibuprofen, acetaminophen or cough syrup. If your vendor’s system is programmed to recognize eligible items, such purchases will usually not require further approval. • You may use your benefits card to also purchase eligible over-the- counter items that are not considered a drug or a medicine, such as bandages, wrist supports, contact lens solution, etc. If your vendor’s system is programmed to recognize eligible items, such purchases will usually not require further approval.
Add a PIN You may use your Chard Snyder Benefits Card by providing a signature or through the use of a four-digit Personal Identification Number (PIN) at the point of sale. The use of a PIN is not required to access your funds through the card. Even if you choose to add a PIN and forget it, you may choose Credit on the keypad and sign for the charge. To use your optional PIN, choose Debit on the keypad and enter your PIN when requested. Call card holder services at 1-866-898-9795 to set up a PIN for your benefits card Chard Snyder cannot change or provide a lost PIN number. You must call the phone number provided above for those services.
800.982.7715 www.chard-snyder.com
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CS_FSA Reference Guide v8.24
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