FSA Benefits Card

FAQ

For further Benefits Card FAQ, please visit our General Benefits Card FAQ article.

Why was my card denied?

There are a number of reasons why a benefits card may be declined. The first thing to do is to determine why. Soon after a card transaction is denied, an email is sent, if there is an email on file, to the participant to notify them of the denial and provide the reason. Participants can also identify why by viewing the transaction on the Online Portal, or by contacting Customer Service. 

Some common reasons are low funds in the account, a non-eligible Merchant Category Code (MCC), an inactive card or account, just to name a few. 

If the transaction is for a time-sensitive eligible service, a good option would be to pay out-of-pocket and submit a claim for reimbursement. 

Can I get cash from an ATM with my FSA card?

A lot of people may wonder if they can access their FSA, HSA, DCA, or LPF funds via ATM to withdraw cash for medical expenses. Unfortunately, FSA cards cannot be used to withdraw FSA funds from an ATM. These cards can only be used directly on qualifying medical products and services. This comes from the fact that FSA funds are pre-tax and cash cannot be easily monitored for eligible purchases.

What if the provider I am going to does not accept cards?

If this is the case, you will need to pay out-of-pocket with another form of payment, then submit a claim through the online portal, mobile app, email, or fax.

Using the Benefits Card on Amazon.com

Note: Rocky Mountain Reserve has no affiliation with Amazon.com, nor does Rocky Mountain Reserve receive any sort of payment from Amazon.com for directing traffic or for any purchases made on Amazon.com. The following information is provided solely for the benefit of our clients and participants.

Amazon.com has a section entirely devoted to FSA/HSA eligible items

Not everything on Amazon.com can be purchased with your benefits card; however, there are a lot of items that can be. This can be a quick and easy way to use your benefits funds and ensure that your Flexible Spending Account (FSA) funds are not lost. 

Please note that Rocky Mountain Reserve cannot guarantee the eligibility of any items purchased on Amazon.com. The Internal Revenue Service (IRS) decides which expenses can be paid from an FSA and they have the ability to modify this list anytime. Before making purchases, it is a good idea to refer to this list. (If a username and password are required, use "rmr" for both the username and password).

Why shop on Amazon.com?

1. You can add your benefits card to your profile, making it convenient and easy to make purchases.
2. Purchases can be shipped to you directly, and you are able to pay for shipping and tax with your benefits card.
3. Life gets busy, and we often find ourselves at the end of the year scrambling to use our funds so we don't use them. This can be a convenient way to make sure you're not losing anything.

How to Purchase on Amazon.com

1. Head to the Amazon FSA/HSA Store.
2. Read up on the FSA/HSA Store's FAQ.
3. Pick out the items you would like to purchase and add them to your cart.
4. When checking out, make sure and add your benefits card, that way you will not need to hassle with submitting a claim for reimbursement.