Documentation Requirements

The funds on your Choice Care Card, an HRA debit card, are a tax-free benefit to you. You do not have to declare these funds on your tax return. Because of this, the IRS has mandated that every transaction must be substantiated.

To successfully comply with the substantiation requirement, you must keep receipts of all medical goods and services paid for with The Choice Care Card™ and all Explanation of Benefits (EOBs) that you receive from your insurance carrier.

In order to substantiate the transactions on The Choice Care Card™, we will send you an information request via mail or email. The request is usually sent during the second week of the month. The request will detail the date of service, the amount of the transaction on the card, and the provider. We will need documentation for each service in order to substantiate properly.

Through the substantiation process, we will verify that:
1.  the service being paid for is within the plan year. 
You should check your funding sheet for the plan year

2.  the expense is eligible under the plan. 
Check your funding sheet for eligible expenses

3. your insurance plan has processed your claim 
Make sure your provider bills insurance
 
Examples of appropriate documentation:

For medical expenses if applicable under your plan*

Please send a copy of an Explanation of Benefits (EOB) from your health insurance company and a detailed statement from your provider that indicates the services received have been applied to insurance. All documents must show date of service, procedure performed, and proof the claim was processed by insurance

For Prescription expenses if applicable under your plan*

Please send a copy of the receipt of the prescription from the pharmacist. Typically, this receipt is stapled to the bag that contains your prescription. A print out from the pharmacist detailing prescription name, price, and date filled is also acceptable. If your prescription benefits are subject to a deductible, please send an EOB for the prescription.

For Over the Counter or OTC if applicable under your plan*

Please send the itemized register receipt from the store where the purchase was made. If the receipt abbreviates the items’ names, please write the name of the item on the receipt.

For dental expenses if applicable under your plan*

Please send a copy of a statement showing the date of service and procedure performed. If you have dental insurance, we will need an EOB from your dental plan.

For vision expenses if applicable under your plan*

Please send a copy of a statement showing the date of service, procedure performed, and/or eyewear purchased. If you have vision insurance, we will need an EOB from your vision plan.

Where to send the documentation?

At all times make sure your name and employer is noted on or with the documentation you submit.
Fax: 802-244-2020
 Email: Claims@choicecarecard.com
 Address: 76 McNeil Road, 2nd Floor, Waterbury Center, VT 05677

The following is not considered sufficient documentation
• credit card receipts
• statements that list service as previous balance
• documents that show no date of service
• documents that do not show insurance being processed.

Questions: Contact Member Services: 888-278-2555