Participants

Substantiation is key to success with your FSA.


Eligible Expenses

The IRS requires you to substantiate:

  • Date service was received or purchase was made
  • Description of service or item purchased
  • Dollar amount
  • Provider or store name
  • In some cases, a Medical Necessity Form or physician letter may be required

NOTE: In some cases, the plan’s design requires that your health insurer’s explanation of benefits (EOB) is provided as substantiation for your expense. If you receive a receipt from your provider for a copay amount, make sure the receipt says “copay.” If not, ask your provider to write “copay” on your receipt before leaving the office.

Vague or missing information causes your reimbursements to be held up or become ineligible. Hang on to your receipts and documentation.



Dependent Care Expenses

The IRS requires you to substantiate:

  • Dates of service
  • Dollar amount incurred
  • Day-care provider name
  • Day-care provider signature

NOTE: Day-care expenses must be incurred (not just paid) in order to receive reimbursement. If you prepay day care, please submit only as incurred. Registration fees cannot be reimbursed until the services are actually incurred. You will be required to report your dependent care provider’s Tax ID (TIN) or SSN on IRS Form 2441 when you file your federal income tax return.

Vague or missing information causes your reimbursements to be held up or become ineligible, so hang on to your receipts and documentation.

 


 


Verifying your Discovery Benefits Debit Card

For both medical and dependent care purchases made on your Discovery Benefits Debit Card, the IRS requires the expense be verified.

  • Some of those purchases can be verified electronically right at the point of purchase, so there’s no need for additional substantiation.
  • Look for pharmacies and drug stores that have the Inventory Information Approval System (IIAS) or meet the IRS’ 90% rule.
  • Find current lists of IIAS merchants and 90% drug stores online at  www.DiscoveryBenefits.com.
  • In some cases, a Medical Necessity Form may be required if the expense is considered both a medical expense and a general use item.
  • Hang on to receipts in case you are later asked for verification of the purchase.
  • Other card purchases will require additional substantiation because the providers don’t typically have the IIAS in place. They include:
  • Doctor’s offices
  • Hospitals
  • Clinics
  • Dental providers
  • Vision/optical facilities
  • Pharmacies and drug stores without an IIAS

How to Submit 

Online

  • Enter claim information online.
  • Print confirmation and fax along with your proof of purchase.
  • Reimbursement will be processed once your substantiation is received.

Fax

Mail

Discovery Benefits
4321 20th Avenue SW
P.O. Box 2926
Fargo, ND 58103


Choose your reimbursement method

  • Direct deposit  
  • Check (You’ll automatically receive a check unless you enroll in direct deposit)
For customer service
or to send documents: