What if I lose my card or need another one?
To minimize unauthorized use of your card, be sure to report a lost card immediately by calling Benefit Resource at (800) 473-9595 or logging on to BRIWEB and clicking “View Card Status.” You can request replacement cards through the same process.
Where do I go for answers to my questions?
Information is available 24/7 online. You can also contact us: (800) 473-9595, Monday – Friday, 8am – 8pm (Eastern Time), by email at ParticipantServices@BenefitResource.com or with Live Chat via participant login at www.BenefitResource.com
What happens if I terminate employment or stop participating in the plan?
If you have been terminated from employment or stopped participation in an FSA or HRA plan, funds will no longer be available on the Beniversal Card. Claims for eligible expenses may be submitted for reimbursement per your Plan Highlights. If you stop contributing to an HSA, you will continue to have access to spend down […]
What if an expense is more than the amount left in my account?
If the merchant can do a split transaction, tell the clerk you wish to use the Beniversal Card for the exact amount left in your account and then pay for the remaining amount separately. If the merchant cannot do a split transaction, you will need to use another form of payment and submit a claim […]
How do I know how much is in my account?
Checking your account balance before using the card will help ensure you have sufficient funds to cover the entire amount of your eligible purchase. Account information is available 24/7 when you log into the participant website or via the BRiMobile app for your mobile device. You can call the toll-free number on the back of […]
What should I do if I cannot use my Beniversal Card at the point-of-sale?
Use another form of payment for the eligible item(s) and then submit a completed claim with supporting documentation to Benefit Resource. You can do this in one of the following ways: The BRIMOBILE app allows mobile device users to submit claims on-the go. Log into the participant website, under the FSA/HRA Plans tab, select Submit an […]
What if a provider requires me to pay in full at the point-of-sale, even if part of the expense will be paid from another source?
Do not use your Beniversal Card if any part of the expense will be reimbursed from another source (such as your health insurance carrier). Pay the required amount with some other means and then submit a claim to Benefit Resource for the eligible amount not reimbursed elsewhere.
Can I use my card to pay for services that were provided prior to participating in the plan?
No. IRS regulations do not allow this. The date of service determines whether the expense is eligible, not the date of payment. A service is only eligible if it is provided in your current plan year and after you begin participating in the plan.
Can I use the Beniversal Card to pay a bill that has a “Balance Due” for an eligible service?
Yes, as long as the payment is completed in the same plan year that the service was provided. However, if follow up documentation is requested for the expense, itemized detail will need to be provided as explained here.
Can I use the Beniversal Card to pay for a service before it is provided?
No. IRS regulations require that a service be provided before using account funds. (The IRS allows one exception to this rule for orthodontia expenses. Use of account funds for orthodontia may be based either on date of service or payment due date.)
What if I lose a receipt from a card transaction?
See if your provider or insurance company can provide copies for you. If you cannot provide the document(s) requested by Benefit Resource, or if an expense is ineligible: You may repay the expense or provide a substitute claim to offset it. If you take no action: Your account may be suspended. Your eligibility to participate in […]
What should I do with my receipts?
Save them! In fact, save all documentation related to medical expenses paid with your Beniversal Card. The documentation must include provider name, type of service, date of service and cost of service. (For prescription drugs, documentation must include the drug name.) IRS regulations require all FSA transactions to be verified for eligibility. The technology built […]
What if I order my prescription through an online or mail order program?
When payment information is requested for a mail order or online prescription service, you can simply provide your Beniversal Card number and related account details.
Can I use my card to purchase over-the-counter (OTC) items?
If your plan covers eligible OTC items, they can be purchased with the Beniversal Card. Check your plan documentation to verify what expenses are covered by your plan. View sample list of eligible OTC items or visit FSA Store to purchase eligible items directly.
What can I purchase with my Beniversal Card?
Always refer to your plan’s documentation to see what expenses are allowed under your plan. However, here are some basic guidelines: A Commuter Benefit Plan (CBP) is intended to pay for eligible workplace commuting expenses, which may include mass transit and/or parking benefits. A Medical FSA and/or HRA is designed to pay for eligible medical […]
What is a 90% merchant?
A 90% merchant has registered with a national organization, certifying that 90% or more of its revenue is from the sale of eligible medical items. If a merchant has more than one location, each location must be registered. Typically, you will need to submit documentation to verify the eligibility of a purchase at a 90% […]
What is an IIAS merchant?
An IIAS merchant has an Inventory Information Approval System (IIAS) that automatically identify eligible medical expenses. Here’s how an IIAS merchant works: Have the sales clerk total your entire purchase. Use your Beniversal Card first, which will automatically pay for the eligible medical items. Use another form of payment for the remaining amount. You usually […]
Where can I use my Beniversal Card?
Your card will only work at qualified merchants who accept Debit Mastercard®. Qualified merchants include medical providers such as: Chiropractors, Medical labs, Vision centers, Doctors, Medical supply stores, IIAS merchants, Dentists, Orthodontists, 90% merchants, Hospitals & Podiatrists. There is no cash or ATM access on the Beniversal Card.
When can I start using my Beniversal Card?
Before using your card, you must: Activate and sign the card (follow the instructions received with your card). Wait to use the card on or after your effective date in the plan.
What is a Beniversal Card?
The Beniversal® Prepaid Mastercard® allows participants to use applicable benefit account funds to pay for eligible expenses at qualified merchants accepting Debit Mastercard®. Allowable account options are determined by your employer and may include: Commuter Benefit Plan (Mass Transit and Parking Accounts) Flexible Spending Account (FSA) or Limited FSA Health Reimbursement Account (HRA) or Limited HRA […]
Do I need a new Beniversal Card each plan year?
No. As long as you continue to participate in an active plan from Benefit Resource, you can continue using your card through the expiration date on the card. Any new elections will be loaded on your card at the beginning of each new Plan Year.
What dollar amount is available on my Beniversal Card after I activate it?
Funds will become available on the Beniversal Card based on the parameters outlined in your plan documents. For a Medical FSA, the available amount will be the total amount you elected for the current plan year minus any prior payments and reimbursements. Check your plan documentation to determine if prior year funds are available on the […]
If asked, should I select “Debit” or “Credit”?
Select CREDIT to sign for the purchase or DEBIT to enter a Personal Identification Number (PIN). To request a PIN for your Beniversal® Prepaid Mastercard® or eTRAC® Prepaid Mastercard, call (855) 247-0198. There is no ATM or cash access associated with this card.
Is there a minimum claim amount?
There is no minimum claim amount; however, your plan may place a minimum on the reimbursement amount (usually $15). If your eligible claim amount is less than the minimum, it will be held until additional claims are submitted.
