Frequently Asked Questions

GENERAL:

What are the benefits of the H&G Benefits Visa Card?

The H&G Benefits Visa Card offers you immediate access to your account, simplifies the claims process and reduces reimbursement wait time. However, you should still retain your receipts for any questions regarding purchases as well as for tax purposes.

Can I change my election amount?

No. Once you set your election amount for the year you cannot change it until your re-enroll for the Plan next year unless you have a qualifying change (aka “life change”) to your status (e.g. marriage, divorce, widowed, birth or adoption of a child).

What if I leave my company?

If you leave your company your Card will be deactivated and you will forfeit any remaining funds unless you submit a claim for reimbursement for those funds no later than the date specified in your Employer Plan. If you do not have funds left in your account, no action will be taken. You may only claim reimbursement for eligible expenses incurred up to the time of separation.

USAGE:

What dollar amount will be available once I receive my card?

Once you receive your card you will have access to the entire amount you elected to contribute for the year in your account. Remember that you cannot add more money to your account until the next enrollment year unless you have a qualifying status change. Also, any funds not spent at the end of the Plan year cannot re recouped.

Can I use my Card if I receive a health care bill with a “Patient Balance Due” for health care service?

Yes, if the expense was “incurred” in the current Plan year, you have sufficient funds in your account and your health care provider accepts Visa Cards. You will need to submit the detailed statement not the “balance due” statement when requested.

What are qualified health care expenses?

Please refer to your Employer’s Plan for a detailed list of qualified expenses. Here’s a sample list of the expenses: Over the Counter (OTC) drugs and medicines, prescriptions drug co-payments, doctor’s office co-payments, health plan deductibles, vision and dental cost, (including LASIC surgery, eyeglasses, contacts and orthodontia), hospital visits (including emergency room costs) and chiropractic services.

Where can I use the Cards?

The Card can be used to pay for eligible health care purchases at any health care merchant that accepts Visa Cards. You cannot use the Card at non-qualified merchants such as gas stations, restaurants, etc.

Do I still need to save my receipts with the Card?

Yes. The Card will reduce the amount of paperwork associated with the Plan; however you should still retain your receipts for any queries regarding purchases as well as for tax purposes.

If given the option of “Credit” or “Debit” at a merchant which should I choose?

You should select credit. There is no PIN associated with your account, nor can you receive “cash back”.

Can I use the Card for online health care purchase?

Yes, just use the Card as you would a regular credit card and enter the appropriate information online.

Could my Card ever not be accepted?

Yes, your Card could be declined for a few reasons:

You try to use your Card at a non-health care related merchant (e.g. restaurant)
You do not have sufficient funds in your account
Your card was turned off for not responding to inquiries regarding ineligible purchase
Your card was turned off because you left your company
Your card expired.

What if I have an expenses that is more than I have left in my account?

Your card will be declined. Instead use the traditional method by paying for the purchase via another form of payment, filling out the claim form and sending in your receipts.

Does my Card expire?

Your Card will expire after five years. In order to keep your Card active, you must re-enroll in the Plan and allot the money you would like set aside for the year. Failure to do this will result in your Card being deactivated.

What if a provider does not accept Visa?

If a provider does not accept VISA, you will need to submit your eligible purchases the “traditional way” by completing the claim form and sending in your receipts.

How will the Card and/or the merchant know if an expense qualifies for a reimbursement?

The Card should only be used for purchase that qualify for reimbursement under the terms of the Card agreement. You are responsible for knowing whether or not a purchase qualifies for reimbursement if you use the Card for ineligible transactions. Only merchants in approved health care related categories will be able to process transactions for the Card. Therefore, for example, your Card could not be used at a restaurant or gas station.

ACCOUNT MANAGEMENT:

Why did I receive a letter requesting me to provide documentation?

IRS regulations require you to substantiate expenses by providing this information upon request. In some cases, you will be required to submit this documentation for review. If you do not provide the requested information, the Card is deactivated and you must repay the Plan. To avoid any unnecessary inconvenience, always remember to 1) keep copies of all receipts and itemized statements; 2) use the Card only for qualified expensed and 3) Do not use the Card to pay for expenses that will also be reimbursed by the insurance.

How do I find out my balance?

You can manage your Card account in two ways - either by phone at 1-866-287-9862 or register to manage your account online at www.hngbenefits.com. Both options will offer your transaction history as well as your account balance.

What will be my Card spending limit?

The limit on your Card is the amount of money that you have elected to contribute for the year. You will have access to that money at the start of the year and can spend in as you choose, but remember any money left over in your account will not be given back to you per IRS regulations.

Can I get an extra Card for a family member?

Yes. You can get an additional Card for a family member issued in his/her name by calling customer service at 1-866-287-9862.

Can I still submit claims the traditional way?

Yes, if you would prefer to submit your claims the traditional way, claim forms are available at www.hngbenefits.com or by calling 1-866-287-9862. You will need to fill out the appropriate paperwork and also submit your receipts in order to be reimbursed.

What if my Card is lost or stolen?

If your card is lost or stolen, immediately contact customer service at 1-866-287-9862 so that your Card can be deactivated.