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Q. How does my Flex Convenience Card
work?
A. Your Flex Convenience Card works like any other MasterCard you may
already have. When paying for an eligible purchase, simply swipe the
card anywhere MasterCard is accepted.
Q. Does my Flex Convenience Card work anywhere?
A. No, the Flex Convenience Card only works at an authorized vendor,
i.e. physician’s office, dentist, hospital or pharmacy. The Flex
Convenience Card is programmed to work solely with vendors who have
appropriate merchant codes. The Flex Convenience card is a MasterCard
and will work only where MasterCard is accepted.
Q. Do I still need to submit verification of claims?
A. Verification of a transaction is required when the payment is from
something other than office co-pay. Verification of the expense must be
submitted in the form of an itemized bill/receipt or Explanation of
Benefits. It must include patient name, date of service, description of
service, service cost and patient liability. The documentation must be
faxed to Elkin and Associates within three (3) days of the original transaction date
using the Debit Card Verification Form.
Q. Can my Flex Convenience Card distinguish whether or not the
expense charged is eligible?
A. No, the Flex Convenience Card only recognizes the valid merchant
codes and your eligible balance. However, Elkin and Associates reviews
all expenses. Elkin and Associates will request reimbursement of over payment via
letter.Failure to refund the account within five (5) days of the
request will result in termination of your Flex Convenience Card.
Q. Does Wage Works Corporation penalize me if I do not repay?
A. If you use the Flex Convenience Card of an ineligible expense, you
are required to refund the plan. If the refund is not received within
five (5) days of the request, your Flex Convenience Card is terminated.
Q. Does my Flex Convenience Card work for Dependent Care?
A. Yes, your Flex Convenience Cards works for dependent care where your
provider accepts MasterCard. The Flex Convenience card will only allow
you to swipe to the current cash balance. For example, if your current
cash balance were $208.33 and you swipe for $208.34 the entire
transaction would be denied.
Q. How will my Flex Convenience Card determine the appropriate
account (health care vs. dependent care) to debit?
A. The Flex convenience Card reads eligible merchant codes at the time
of the transaction. Merchant codes for Health Care Providers are
different than Merchant codes for Dependent Care Providers. For example,
XYZ Day Care Center would have a different merchant code than XYZ
Medical Clinic.
Q. How does my Flex Convenience Card work if I only have $100 left in
my account and I swiped it for $400?
A. The system only approves claims that are equal to or under the
current balance in the account. In this situation, you would need to
tell the merchant that they should swipe the card for $100 and pay the
difference in a different way. If you swipe the entire $400 payment, the
entire claim would be denied which, in this case, would be $400.
Q. May I obtain additional Flex Convenience Cards for my family
members?
A. Yes, however, you will be charged a $5.00 set up fee for the
additional cards.
Q. What should I do if I lose my Flex Convenience Card?
A. Contact Elkin and Associates customer service line (800-598-6843) to notify them
of the lost card. A new card will be ordered. There is currently
no extra charge for this service.
Q. What if I over pay for a service using the debit card? Example: I
pay my dentist $100 using the debit card, when I receive my “Explanation
of Benefits” from the insurance company, I find my part of the bill was
only $80. I am due a $20 refund.
A. You take your card back into the dentist’s office and have them
credit your card back with the $20 overpayment. According to IRS
guidelines, you should NOT receive a cash refund from the provider.
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