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Benny Card FAQ |
What is the Benny™ Card?
The Benny™ Card is a MasterCard® that gives you an easy, automatic way to pay for qualified health care expenses. The Benny™ Card lets you electronically access the pre-tax contributions you set aside in your respective employee benefits accounts such as Flexible Spending Accounts (FSA) and Health Spending Accounts (HSA).
How does the Benny™ Card work?
It works like a MasterCard®, with the value of your account(s) contribution stored on it. When you have qualified eligible expenses at a business that accepts MasterCard®, simply use your Benny™ Card. The amount of your qualified purchases will be deducted – automatically – from your account and the pre-tax dollars will be electronically transferred to the provider/merchant for immediate payment.
How do I know how much is in my account?
You can visit your Account Summary page at www.mybenny.com and view your account activity and current balance (for instructions, see “Internet Options,” below). Or, you can call P5 Health Plan Solutions at the phone number on the back of your Card to obtain your current balance. It's a good idea to know your account balance before you make a purchase with the Benny™ Card.
How does the Benny™ Card change how I am reimbursed for expenses?
Before the Benny™ Card, you were required to pay for your eligible expenses at the time of purchase, submit claim forms along with all receipts, and then wait for the reimbursement to be processed. A check was issued and mailed to you and then you cashed the check. (In essence, you paid twice – through payroll deduction and then at the point-of-service. Then you had to wait for reimbursement. But Benny™ changes all that!) With the Benny™ Card, you simply swipe the Card and the funds are automatically deducted from your respective employee benefit account(s) for payment. The Benny™ Card eliminates most out-of-pocket cash outlays and paperwork and the need to wait for reimbursement checks.
Is this just like other MasterCard® Cards?
The Benny™ Card is a special MasterCard® Card, but only for qualified expenses. There are no monthly bills and no finance charges.
How many Benny™ Cards will I receive?
You’ll receive two Benny™ Cards.
Do I need a new Benny™ Card each year?
As long as the respective employee benefit account(s) remain part of your benefit plan and you elect to participate each year your Benny™ Card will be loaded with your new annual election amount at the start of each plan year.
What if I lose my Benny™ Card or need another one?
You can request a replacement Card through P5 Health Plan Solutions. A replacement Card is $10, which may be deducted directly from your account. Call your P5 for details.
Internet Options
How do I access information about the Benny™ Card online?
Information about your spending account and Benny™ Card is available online at www.mybenny.com. First time users to the site must first register their account. Select “Please Register” from the mybenny.com homepage. Next you will be asked for your Member ID number. Enter your Social Security number as your Member ID. Next you’ll be asked for your Benny™ Card number and zip code. Select “Continue” to finalize your registration.
Activating Your Card
How do I activate the Benny™ Card?
Call the toll free number 1-866-898-9795 or visit the website on the back of your card. You only need to activate one card for both to work. Each user needs to sign one of his or her cards with their name. You can use both Cards once the first Card is activated - you do not need to activate both Cards. The Cards can be used after the second business day following the activation process.
What dollar amount is on my Benny™ Card when I activate it?
Once you activate, the dollar value on your Card will be the amount you elected to contribute to your respective employee benefit account(s) during your annual benefits enrollment. It's from that total dollar amount that eligible expenses will be deducted as you use your card or submit manual claims.
Using the Card
Where can I use my Benny™ Card?
Are there places the Benny™ Card won’t be accepted?
Yes. Examples include department stores, hardware stores, restaurants, bookstores, gas stations and home improvement stores.
If asked, should I select "Debit" or "Credit"?
The Benny™ Card is actually a stored-value Card. But, since there is no "stored value" selection available, you’ll select Credit. You do not need a PIN# and you cannot get cash with the Benny Card. You’ll need to sign the receipt. Be sure to save your itemized receipt copy!
Can I use my Benny™ Card for prescriptions ordered, prior to activating my Benny™ Card?
Sorry, but your Card must be activated prior to the order or purchase date of your prescriptions. You need to wait 2 business days after activating your card (e.g. if you activate your card on Tuesday you can pick up your prescription on Thursday) to purchase prescriptions at your pharmacy with the Benny Card.
Can I use the Benny™ Card if I receive a statement with a Patient Due Balance for a medical service?
What if I have an expense that is more than the amount left in my account?
By checking your account balance often - either online or by calling P5 Health Plan Solutions at the phone number shown on the back of your Card - you will have a good idea of how much is available. When incurring an expense that is greater than what is remaining in your account, you can split the cost at the register. For example, tell the clerk you wish to use Benny™ for the exact amount left in your account, and then pay for the remaining balance separately. Alternatively, you may submit the qualified transaction manually via a claim form with the appropriate documentation to P5.
What are some reasons my Benny™ Card might not work at point of service?
Your Card has not been activated.
You used your Card before the third business day after activation.
You have insufficient funds remaining in your respective employee benefit account to cover the expense.
You’ve included non-qualified expenses at the point-of-service (retry the transaction with the qualified expense only).
The merchant is encountering problems. (e.g. coding or swipe box issues)
Whom do I call if I have questions about my Benny™ Card?
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