FAQs

Below are some questions frequently asked by EBS clients.  We hope they help clarify any questions you may have, but if you're in need of further assistance please contact EBS directly.

  1. How do I file claims for my Flexible Spending Account?
  2. My employer offers a Flexible Spending Account, but I am single and healthy. How would the FSA benefit me?
  3. What does my Convenience card cover?
  4. Where can I use my Convenience card?
  5. What if my provider does not accept MasterCard?
  6. How will the provider know the dollar amount to swipe the card for?
  7. How do you know if I purchased other items such as a soft drink or other non allowed items?
  8. Does this card cover all member of my family or can a seperate card be requested for a spouse?
  9. If I have both a medical reimbursement account and a dependent care account will I have two different cards?
  10. How can I find the balance on my account?

 

1. How do I file claims for my Flexible Spending Account?

Click here to download the Flex Spending Account claim form. Complete the form and mail, fax or email it back to EBS at:

MAILING ADDRESS:
Employee Benefit Solutions
P.O. Box 421
Ossining, NY  10562

FAX: (914) 762-6508

Email: info@ebsaccess.com

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2. My employer offers a Flexible Spending Account, but I am single and healthy.  How would the FSA benefit me?

FSAs are voluntary programs that allow employees to pay for un-reimbursed medical and/or dependent day care expenses with pre-tax dollars.  Although this type of plan does not benefit everyone, it covers such a large variety of expenses that it proves to be a benefit to many employees.  Flex plans cover items that are frequently not included in standard insurance plans such as:

  • Vision, including purchase of glasses, contact lenses and contact lens solution
  • Orthodontia
  • Home modifications for handicapped individuals
  • Copays, deductibles, coinsurance, and charges in excess of the insurance company's allowable charge

If you do not incur medical expenses, however, you should not enroll in a Health Care Spending Account. 

Transit accounts are frequently included as part of a Flexible Spending Arrangement.  If you use any sort of mass transit, or if you must pay for parking at the office, you can take advantage of the pre-tax savings under the transportation account.

Use the links below to review more complete listings of items covered under an FSA:

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3. What does my Convenienve card cover?

The card will cover all expenses currently allowed under a Cafeteria section 125 plan. Examples are coinsurance, deductibles, copayments, prescriptions, eye glasses, corrective eye surgery, dependent daycare expenses. 

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4. Where can I use my Convenience card?

You can use your card at any provider that accepts MasterCard ®, or at any pharmacy that accepts MasterCard ®. You can also use your card when you receive a doctor’s bill by writing the card number on the invoice. 

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5. What if my provider does not accept MasterCard?

If your provider does not accept MasterCard ® then a manual claim would have to be submitted for reimbursement. 

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6. How will the provider know the dollar amount to swipe the card for?

You will need to let your provider know to only swipe your card for your copayment amount and not the entire amount. The claim will still need to be submitted to the insurance company for payment. 

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7. How do you know if I purchased other items such as a soft drink or other non allowed items?

The card only works for certain merchant codes that are related to health care. Perimeters are set in the system based upon your medical, dental, vision and prescription plans. If any card swipe amount does not meet the criteria you will be requested to provide documentation of the expense in question. If you do not provide this, we will request that you repay that amount back to the plan. If you do not repay the plan, your card will be deactivated until payment has been received. 

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8. Does this card cover all members of my family or can a seperate card be requested for a spouse?

Additional cards can be requested for any member of your family over the age of 18. Your account will be deducted $10.00 per additional card. 

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9. If I have both a medical reimbursement account and a dependent care account will I have two different cards?

No, you only need one card and it will work for both the medical expenses and dependent care expenses. 

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10. How can I find the balance on my account?

Once your plan is effective, there are two ways to find out information about your account. You can call the ebs customer service number at 1-914-762-6500 (9:00 am –5:00pm ET) or go online at www.wealthcareadmin.com. Also statements will be sent to the participants home address quarterly. 

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