Debit Card FAQs Provided by EideBailly

• What is the debit card?
• How does the debit card work?
• Do I have to use up the $250 HRA from the state of MN by a certain time or lose the remaining HRA balance?
• What if I have medical or dental insurance?
• What if I, my spouse, or one of my dependents has insurance other than the Advantage Plan?
• How many debit cards will I receive?
• What should I do if my debit card(s) are lost or stolen?
• Do I need a new debit card each year?
• How do I activate my debit card?
• Where can the debit card be used?
• What should I do if the card can't be used at the provider's office or retailer?
• Will the pre-tax accounts now be completely "paperless"?
• Should I still save my receipts and itemized documentation?
• How will I know if I have sufficient funds to cover the expense?
• Where can I go to view the details of my debit card transactions?
• Can I use the debit card for an expense that is greater than my remaining funds?
• Whom should I call if I have questions regarding the debit card?
• What should I do if I accidentally charge an ineligible expense on the debit card?
• How will I know if I need to submit documentation to verify an expense?
• When might you be asked to provide additional documentation for debit card use?
• What happens if I fail to submit the requested document(s)?
• If my card is suspended, can it be reinstated?
• Which account is used to pay for expenses if I have multiple accounts available?
• Can I use the debit card for previous year expenses?
• How can I learn more about the debit card?

What is the debit card?
The debit card (called the Benny™ Card) is a MasterCard that has been pre-loaded with your annual MDEA election and, if eligible, your employer contribution to the HRA. This provides the ease and convenience of not having to pay expenses out of pocket and seek reimbursement manually.

How does the debit card work?
You present the card as your method of payment to your provider or retailer, and the cost of the product or service is deducted from the balance of your pre-tax account. (If asked whether to process your transaction as a debit or credit, respond “credit.”)

Do I have to use up the $250 HRA from the state of MN by a certain time or lose the remaing HRA balance?
No. Any remaining funds will be carried over to the next year. This DOES NOT apply to other plans associated with Benny™ Card only the $250 HRA from the State of Minnesota.

What if I have medical or dental insurance?
If the expense is eligible through Advantage, you will want to make sure that the claim has been processed through your insurance prior to paying your portion. Normally, this will happen at the point of sale for prescriptions, but does not happen for medical and dental expenses. Even if the entire expense will be applied to a deductible or the expense exceeds the maximum that may be eligible under your insurance plan, it should first be processed by the carrier so that the group discount can be applied to the claim first.
This does NOT apply to Advantage co-payments which may be processed at the provider’s office.

What if I, my spouse, or one of my dependents has insurance other than the Advantage Plan?
You are able to use the debit card for medical or dental expenses regardless of the insurance provider. If the plan is not a State plan, Eide Bailly may request substantiation after you have used the debit card. It is important that you save your receipts in the event that it is necessary to substantiate the expenses.

How many debit cards will I receive?
You will automatically receive two debit cards. Both cards will have the employee’s name on them. If the second card is going to be used by a spouse or another eligible tax dependent, simply have the spouse or dependent sign the back of the second card. Each card user should sign the card with his or her signature. Additional cards are available for a cost of $10 per pair which will be deducted from the employee’s MDEA or HRA account.

What should I do if my debit card(s) are lost or stolen?
You should call Eide Bailly Employee Benefits Customer Service within two business days. Recent transactions can be reviewed to ensure that expenses charged to the account belong to the participant, spouse or eligible dependent and the missing cards can be deactivated. Replacements for lost or stolen card(s) are issued in pairs for $10 and this charge will be deducted from the employee’s MDEA or HRA account.

Do I need a new debit card each year?
No. The card is good for five years. It can be used for subsequent plan year MDEAs or for those dollars that may roll over to a new plan year HRA. If you are planning on signing up again for an MDEA or have remaining HRA funds rolling over to a new plan year, retain your card for future usage.

How do I activate my debit card?
Activate your card by calling the toll-free number listed on the sticker on the front of the card or by visiting www.eidebaillybenefits.com/som and clicking on the “Activate Your Debit Card” link. Activating one card activates both cards at the same time.

Where can the debit card be used?
It can be used for eligible expenses incurred at health care providers including medical or dental offices, hospitals or medical laboratories. It should only be used for expenses that are eligible under IRS or plan guidelines.
The card may also be used at participating retail stores or pharmacies. For a list of participating stores and pharmacies, please visit www.eidebaillybenefits.com/som and click on the “Debit Card Vendors” link.

What should I do if the card can’t be used at the provider’s office or retailer?
There may be providers or retailers who do not accept MasterCard or the type of store is not authorized to do so. In this case, you must seek reimbursement for the expense through the manual claims process.
In addition, beginning January 1, 2009 any retailer (store or pharmacy) that does not have an electronic system in place that is able to differentiate between eligible and non-eligible expenses at the point of sale will not be able to accept the health- related debit card.
For a list of eligible retail stores and pharmacies, visit www.eidebaillybenefits.com/som and choose the “Find a Vendor”
link from the Debit Card drop down menu.

Will the pre-tax accounts now be completely “paperless”?
Unfortunately even with the debit card, pre-tax substantiation will not be 100% paperless. It is probable that up to 90% of claims will process automatically at the point of sale. However, because of technology limitations and IRS requirements, some expenses will still require manual substantiation (e.g. a co-payment for a spouse’s plan).

Should I still save my receipts and itemized documentation?
You should always save receipts or itemized documents for expenses that have been paid or reimbursed from the MDEA or HRA. It is possible that you could be audited by the IRS and would need the documents during the audit.

How will I know if I have sufficient funds to cover the expense?
You should make sure that you have sufficient funds in your account before using the debit card for payment. If you do not, the provider or retailer will receive an “Insufficient Funds” notification when processing the transaction.
You can check your available balance by calling Eide Bailly Employee Benefits Customer Service at 952-944-6633 (toll free 800-300-1672) or by logging into www.eidebaillybenefits.com/som. You can also verify your balance by registering and logging into www.mybenny.com.

Where can I go to view the details of my debit card transactions?
You may do so by registering and logging in to your account at www.mybenny.com.

Can I use the debit card for an expense that is greater than my remaining funds?
Yes, you can. Use the debit card for any amount up to the available balance, and another form of payment for the remainder.

Whom should I call if I have questions regarding the debit card?
If you have questions regarding the debit card or your pre-tax accounts, you should contact Eide Bailly Employee Benefits Customer Service at 952.944.6633 (toll free 800.300.1672) or email benefits@eidebailly.com.

What should I do if I accidentally charge an ineligible expense on the debit card?
Please contact Eide Bailly Employee Benefits Customer Service at 952.944.6633 (toll free 800.300.1672) or email benefits@eidebailly.com.

How will I know if I need to submit documentation to verify an expense?
There may be times when despite utilization of all methods to automatically substantiate your transaction, Eide Bailly Employee Benefits will require you to submit itemized receipts or documentation in order to comply with IRS guidelines to substantiate the claim. If so, you will be sent a letter detailing the transaction that requires the additional document(s).

When might you be asked to provide additional documentation for debit card use?
If the card is being used for an expense that will not be processed through an insurance carrier that is part of the Advantage Plan (ex; Delta Dental, BCBS MN etc) you will be required to submit substantiating documentation for the transaction.

What happens if I fail to submit the requested document(s)?
If you fail to submit the documentation when requested, your debit card will be suspended from further use. In addition, the expense will be considered ineligible and repayment will be sought as allowed by law.

If my card is suspended, can it be reinstated?
If your card has been suspended due to outstanding substantiation or repayment requests, it can be reinstated by simply clearing up the outstanding matter.

Which account is used to pay for expenses if I have multiple accounts available?
Funds will be accessed in the following order:
1. MDEA (because of the “Use or Lose” rule).
2. State of MN HRA.
3. MnSCU HRA.

Can I use the debit card for previous year expenses?
You should never use the debit card to pay for expenses whose date of service is from a previous plan year, regardless of the billing date by the provider.
State of Minnesota plan year coincides with the calendar year, and you should not use the card for expenses that are outside the current year. If you do so in error, please contact Eide Bailly Employee Benefits Customer Service at 952.944.6633 (toll free 800.300.1672) or email benefits@eidebailly.com for assistance.

How can I learn more about the debit card?
Please refer to the 2009 Plan Year Summary.(scroll down to locat your paln summary)