Using your Benny Pre-paid MasterCard Card is as easy as 1-2-3

Document Sample
Using your Benny Pre-paid MasterCard Card is as easy as 1-2-3 Powered By Docstoc
					               Using your Benny Pre-paid MasterCard Card is as easy as 1-2-3!

It’s so easy for Guardian Flexible Spending Account (FSA) members to pay for eligible
healthcare expenses. Just use your dedicated Benny Pre-paid MasterCard Card (Benny
Card) – it deducts money directly from your FSA account. No need to pay with cash up front!
Using your card is as easy as 1-2-3!

Step 1 – Activate and Sign your Benny Card(s)
   • After you receive your card(s) in the mail, call the number on the card sticker to
       activate it.
   • Wait 48 hours after activation to use your card.
(Your full-year FSA healthcare amount is available upon activation.)

Step 2 – Use your Benny Prepaid MasterCard Card
Your Benny Card can be used to pay for eligible expenses only for you and your dependents
                             s
at pharmacies, your doctor' office and vision centers. (Refer to your lists of eligible and
ineligible medical care and over-the-counter medical care expenses)
    • At the merchant, separate your eligible items from non-eligible items.
    • Present your Benny Card for payment for eligible items.
            o If there are sufficient funds in your account, the card swipe transaction will be
               approved and the amount of the FSA-eligible purchases is deducted from your
               account balance.
            o If your expenses are more than your FSA balance, the card swipe transaction
               will be declined and the clerk will ask for another form of payment. (You may
               be able to use your Benny Card for the exact amount left in your account and
               use another form of payment for the difference – check with the merchant.)

Step 3 – Check your balances
   • You can check your FSA balance by calling the phone number or logging onto the
       website on the back of your card.
   • Checking your balances will help you know whether you have sufficient funds in your
       account to cover your expenses before you make a purchase.

If you have any questions about your Benny Card, call the number on the back of your card.

                          Reminder – Save All Itemized Receipts
        You may be contacted by your plan administrator to submit certain receipts to
       verify expenses in order to comply with IRS guidelines. Make sure to save your
                                          receipts!

       Follow-up letters requesting itemized receipts may be sent to you in the following
       instances:
         1) When benefit plan data is not available and when the card is used to pay a
             coinsurance bill from a provider (for amounts not covered by insurance)
         2) When the employee or dependents are not covered by the employer plan
         3) When over-the-counter items are purchased from merchants other than our
             partners (ie. Walgreens and Drugstore.com)
         4) When ineligible items are purchased with FSA-eligible items in a pharmacy,
             medical, dental or vision location.
The Guardian Life Insurance Company of America, New York, NY 10004.
2006-8974
                       For even greater convenience
                 use your Benny Card at Walgreens Stores

What could be more convenient than using your Benny Card to pay for Flexible Spending
Account (FSA)-eligible healthcare expenses? Using your Benny Card at Walgreens Stores!


        You won’t need to provide receipts to verify the eligibility of most purchases


Here’s how simple it is:

    •    When you shop at Walgreens, present your Benny Card for payment for eligible
         items.

    •    Present another form of payment for your ineligible items.

    •    The Walgreens receipt will identify the FSA-eligible items with an “F” and also provide
         a subtotal of the FSA-eligible purchases and sales tax paid.

    •    By shopping at Walgreens, your FSA-eligible items are automatically verified at the
         time of purchase – no need to provide receipts on most purchases!



                        If you have any questions about your Benny Card,
                             call the number on the back of your card.




The Guardian Life Insurance Company of America, New York, NY 10004.
2006-8974
                                            MEDICAL CARE EXPENSES
                         Eligible Flexible Spending Account (FSA) Expenses

                                             Eligible Medical Care Expenses
   •       Adoption – Medical Expense (incurred before adoption is finalized)
   •       Alcoholism treatment
   •       Ambulance
   •       Artificial limbs
   •       Artificial teeth
   •       Braille books and magazines
   •       Car controls for handicapped
   •       Chiropractic services
   •       Christian science practitioners (payments for medical care)
   •       Coinsurance amounts and deductibles
   •       Contact lenses and solution
   •       Crutches
   •       Dental treatment
   •       Diagnostic tests
   •       Drug addiction treatment
   •       Eye examinations and eyeglasses
   •       Guide dog or other animal (purchase, training and care of animal)
   •       Hearing aids and examinations
   •       Hospital services
   •       Injections
   •       Insulin
   •       Laboratory fees
   •       Lasik eye surgery
   •       Learning disabled child – special school/teacher
   •       Medical monitoring and testing devices (if prescribed by physician for a particular ailment)
   •       Medicines
   •       Occlusal Guards (to prevent teeth grinding)
   •       Operations (legal operations which treat a specific ailment)
   •       Optometrist
   •       Orthodontia (unless for cosmetic purposes)
   •       Osteopath
   •       Oxygen
   •       Periodontal fees
   •       Physical exams (except for employment-related physicals)
   •       Physical therapy (for specified medical purpose)
   •       Pregnancy tests/kits
   •       Prescription sunglasses
   •       Private hospital room
   •       Psychiatric care
   •       Psychoanalysis
   •       Psychologist
   •       Radial keratotomy
   •       Surgery
   •       Telephone for the deaf
   •       Transplants
   •       Transportation for seminar on medical condition & cost of seminar on medical condition
   •       Vaccinations
   •       X-rays
For questions regarding medical care reimbursements through your FSA, contact
                    FlexPlan Customer Service at 1-866-359-4542.
This listing does not represent all allowable or non-allowable charges.




The Guardian Life Insurance Company of America, New York, NY 10004.
2006-8974
                                            MEDICAL CARE EXPENSES
                        Ineligible Flexible Spending Account (FSA) Expenses

                                            Ineligible Medical Care Expenses
   •       Athletic club dues for general health
   •       Athletic lessons or training for general health
   •       Body or ear piercing
   •       Breast pump without medical necessity
   •       Chauffeur services
   •       Cosmetic surgery, procedure or products without medical necessity
   •       Diapers for infants
   •       Diaper service
   •       Educational/training classes without medical necessity
   •       Electrolysis
   •       Exercise equipment for general health
   •       Fees not paid to provider
   •       Funeral services
   •       Hair transplants
   •       Home nursing care for a healthy infant
   •       Household or domestic help
   •       Illegal operations or treatments
   •       Insurance premiums
   •       Late fees or missed appointments
   •       Liposuction
   •       Long-term care service
   •       Maternity clothes
   •       Massage therapy for general health
   •       Medical savings accounts
   •       Personal hygiene products
   •       Personal items
   •       Pre-payment of services
   •       Tattoos or tattoo removal
   •       Teeth whitening or bonding
   •       Transportation to and from work
   •       Trip or vacation for well-being
   •       Weigh loss programs/Food for general health
   •       Wellness programs
   •       Uniforms
   •       Vitamins, supplements or herbs without medical necessity




For questions regarding medical care reimbursements through your FSA, contact
                    FlexPlan Customer Service at 1-866-359-4542.

This listing does not represent all allowable or non-allowable charges.




The Guardian Life Insurance Company of America, New York, NY 10004.
2006-8974
                           OVER THE COUNTER (OTC) MEDICAL EXPENSES
                Eligible & Ineligible Flexible Spending Account (FSA) Expenses

                                          Eligible OTC Medical Care Expenses
   •       Acne Medications, such as Clearasil
   •       Allergy Relief (oral medications and nasal sprays)
   •       Analgesics, such as fever and pain reducers Tylenol and Ibuprofen
   •       Antacids & heartburn relief, such as Alka-Seltzer, Mylanta, Milk of Magnesia, Pepcid and Zantac
   •       Antibiotic ointments, such as Neosporin and Mycitracin
   •       Anti-itch & hydrocortisone creams
   •       Arthritis pain-relieving creams & medications
   •       Athlete’s foot treatments, such as nail and foot anti-fungal creams and sprays
   •       Blood pressure aids, such as monitors and related equipment
   •       Cholesterol test equipment
   •       Cold medicines, such as tablets, syrups, drops and lozenges
   •       Denture adhesive creams
   •       Diabetes aids, such as glucose monitors and related equipment
   •       Diaper rash ointments, such as Balmex and Desitin
   •       Eye care, such as reading glasses, saline solution and lubricant eye drops
   •       Family planning and contraceptives, such as pregnancy tests and condoms
   •       Feminine care relating to treatment of vaginal infections
   •       First aid, such as heat wraps, compresses, bandages, tape, gauze, dressing, adhesive pads, band
           aids and pain-relieving creams
   •       Hemorrhoid Treatments such as Preparation H
   •       Incontinence products, such as Depends and Serenity pads
   •       Joint support bandages & hosiery, such as knee supports and elbow supports
   •       Joint and muscle pain creams, such as BenGay and Flex All
   •       Laxatives
   •       Motion sickness preventives, such as Dramamine, patches and bracelets
   •       Nutritional and dietary supplements, such as bars, milkshakes and power drinks*
   •       Shampoo treatments relating to treatment of psoriasis, lice
   •       Sleep aids, such as oral medications and snoring/breathing strips
   •       Smoking cessation relief, such as patches and gum
   •       Stomach and digestive relief, such as Pepto-Bismol, Imodium, Colace, Lactaid and Pedialyte
   •       Tooth and mouth pain relief, such as Orajel and Anbesol
   •       Urinary pain relief
   •       Vitamins*
   •       Wart removal medications
   •       Weight Reduction Aids, such as SlimFast and appetite suppressants*

                                         Ineligible OTC Medical Care Expenses
   •      Cosmetics, such as makeup, lipstick, Q-tips, cotton balls and baby oil
   •      Denture care, such as denture cleansers
   •      Skin care, such as sunblock, skin and body moisturizing lotion, and lip balm
   •      Hair care, such as hair color, shampoo, conditioner, brushes and hair loss products like Rogaine
   •      Routine dental care, such as toothpaste, toothbrushes, dental floss, mouthwashes including anti-
          bacterial mouthwash and fluoride rinses), breath strips and teeth whitening
   •      Nail care and personal grooming, such as scissors and nail files
   •      Personal hygiene, such as deodorant, soap, powder, shaving cream and razors, tissues, feminine
          care and sanitary products.

    For questions regarding over-the-counter medical care reimbursements, contact
                     FlexPlan Customer Service at 1-866-359-4542.

This listing does not represent all allowable or non-allowable charges.
*Expense requires a physician statement.

The Guardian Life Insurance Company of America, New York, NY 10004.
2006-8974

				
DOCUMENT INFO
Shared By:
Categories:
Tags:
Stats:
views:5
posted:7/27/2011
language:English
pages:5