Benefits Card

Your Surency Flex Benefits Card is a special-purpose Visa® Card that gives you an easy, automatic way to pay for eligible expenses. The Benefits Card lets you electronically access the pre-tax amounts set aside in your Surency Flex accounts. Use it when paying for eligible expenses at a provider or merchant that accepts Visa Cards and uses an inventory control system. These transactions may be automatically substantiated, meaning you don’t have to file a claim and may not have to submit a receipt. However, always keep all documentation for tax purposes or in case Surency requests further documentation.

Your Benefits Card will work for several years, so don't throw it away! If you have an account next year, you will be able to continue to use the same Surency Flex Benefits Card. We will issue you a new one when your current card expires.

How to use your Surency Flex Benefits Card

  1. Have the cashier ring up all of your items together.
  2. When it is time to pay, swipe your Surency Flex Benefits Card first. Select “credit” and sign for your purchase.
    Optional: In addition to your signature, you can set up a PIN number to access your funds by calling 866-898-9795. If you have a PIN number, select “debit” and enter your PIN. 
  3. All eligible expenses will be paid for from your account and deducted from your total.
  4. If you are purchasing non-eligible items, you will need to have a second form of payment available for those items. 
  5. Keep your receipts in the event that further validation is needed.

Where to Use Your Surency Flex Benefits Card

Most doctors’ offices, pharmacies, and some retailers have category codes that allow them to accept your Surency Flex Benefits Card. Use the link below to access an online nationwide list of retailers accepting benefits cards.

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If your card is connected to your Commuter or Dependent Care account, the card will work for those expenses as long as the card can identify category codes. If you have multiple accounts, your card will know which account to pull money from based on those codes as well.

Over-the-Counter Medical Purchases

The CARES ACT passed by Congress in March 2020, permanently reintroduces coverage of Over the Counter (OTC) drugs and medicines as eligible for reimbursement for members that have a FSAs, HRAs, HSAs, and/or Archer MSAs without the need of a prescription. This change is effective for expenses incurred on or after January 1, 2020.

This bill includes two key provisions that will help members with FSAs, HSAs and/or HRAs during this time. Changes include the following:

Over the Counter Rx Revoked: Written prescriptions will no longer be required for Over the Counter (OTC) drugs, including items like Tylenol, Claritin, Tamiflu, etc. when purchased with an FSA, HSA or HRA, effective immediately and retroactive to January 1, 2020. 

This means members with FSAs, HSAs and HRAs can again buy Over the Counter (OTC) medicines they need to remain healthy.

Menstrual Care Products Included: The addition of menstrual care products are now eligible expenses  under an FSA, HSA or HRA, effective immediately and retroactive to January 1, 2020.

The timeline for merchants to implement the changes for debit card transactions will occur gradually (within 4-6 weeks of the bill signing). However, it is important to emphasize that each merchant will adhere to its own timeline for completion of this process based on its own internal considerations, and card processors have no ability to influence this. We expect any issues like this to be temporary and resolved in a short time-frame.

Paying for Medical Services

You can use your Surency Flex Benefits Card to pay Medical Service Providers, which include pharmacies, hospitals, doctors’ offices and other health care facilities. If you use your card at a medical service provider, you will be required to submit documentation for substantiation. Exceptions include: plan co-payment matches and recurring expenses from a previously approved transaction.

Troubleshooting:
Why is my card being declined?

  • You may not have enough money in your account.
  • You selected “debit” instead of “credit”.
  • You are not purchasing eligible expenses.
  • The provider you are purchasing from does not have an inventory control system in place or does not have the correct merchant code.
  • You are purchasing an over-the-counter medication that requires a prescription. 

If your card is declined and you have sufficient funds in your account, you can pay out-of-pocket and file a claim with Surency online through the member portal or by using the Surency Flex mobile app.


More Questions?

Visit our Frequently Asked Questions page for answers.

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