Why do I need to provide documentation for debit card purchases?

Federal regulations require Discovery Benefits obtains itemized receipts for transactions that are not automatically substantiated at the point-of-sale.

Card transactions can be automatically substantiated without additional paperwork if they are:

- Co-payment amounts tied to your health plan. These amounts need to be communicated to Discovery Benefits by the employer.

- Transactions that match the provider and dollar amount exactly for previously approved transactions (e.g., orthodontia claims, maintenance prescription drugs) and were noted by you as recurring on the request for substantiation notification or Receipt and Substantiation Form.

- Purchases made at merchants using the Inventory Information Approval System (IIAS). For a list of IIAS merchants, click here.

In the event a charge does not meet these three criteria, Discovery Benefits will send three requests for documentation. These requests are generally sent 7 days, 27 days, and 57 days after the date of purchase and will cease once documentation has been received.

Should a charge remain unsubstantiated 72 days after the date of the card transaction, the benefits debit card will be placed in a temporary hold status. The debit card will be reactivated as soon as the necessary documentation has been received to substantiate the expense.

Documentation requirements can be found here:   What type of documentation is acceptable for reimbursement or substantiation?

If you have any questions, please contact Participant Services at 866-451-3399 or via email at customerservice@discoverybenefits.com.

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