Frequently Asked Questions

No. It can only access the available balance in the current FSA plan year.

Yes. If the merchant or provider accepts the card, you can provide the card number, expiration date, and any other information requested to pay eligible expenses. Make sure the charged amount is correct prior to providing your card number for billed expenses at UHC medical, dental or vision providers. Explanation of Benefits should be reviewed to make sure the amount due on the bill matches your portion of financial responsibility.

No, you can only use the card to pay for services within the current plan year.

It is valid for four years from the date of issuance if you continue to enroll each plan year. The expiration date can be found on the front of the card. New cards will automatically be issued 45 days prior to card expiration date.

Yes, if the merchant allows partial authorizations, the card will access only the remaining funds in the account. For example, if the item cost is $20, and there is only $10 in the account, you can use the card to fund $10, and then pay for the remainder of the transaction out-of-pocket. (Note: not all merchants allow partial authorization.)

Yes. The transaction information for the Consumer Accounts Card is updated daily. However, there could be an instance when the card is used on the same day that a manual/auto-rollover claim is received and the total amount of both services results in a negative balance in the account. If this occurs, we will advise you of overpayment procedures.

No, the dependent spending account is used for individuals that have children in daycare and would like to pay for the daycare pre-tax. For dependent medical expenses, you put that amount in the same medical flexible spending account you are using.

Please call United Healthcare at 866-755-2648.

Credit. Even though it says debit on the card, it does not require a PIN (personal identification number) for processing, so “credit” should be selected.

• The card is not activated
• One business day has not passed since activation
• The transaction is not for an eligible service or it does not match a pre-defined benefit co-pay amount, as required by the plan
• The transaction is for a non-eligible charge that was not elected in your company’s plan
• The transaction cannot be substantiated in real time at the pharmacy 
• The retailer does not accommodate partial authorization and the remaining funds in the account do not cover the expense 
• There is a problem with the merchant’s card terminal 
• It is an invalid location, e.g. a gas station or electronics store.

You should choose another payment method and save the receipt and submit the claim manually along with a claim reimbursement request form. Forms can be obtained from myuhc.com or the flexible spending account customer service team at 1-866-755-2648.

In lieu of using your card, you will need to submit claims reimbursement forms from your tax-advantaged account(s) in order to be reimbursed for expenses. The form is available on www.myuhc.com. In addition, you may also log-on to www.myuhc.com and select to turn on/off your medical claims automatically submitted to your account for reimbursement by using the ‘Auto-Rollover’ feature (as applicable to plan design).

You should call CAC Customer Service immediately at 1-866-755-2648. If the incident is reported to us within four (4) business days, you will not be liable for fraudulent use. If not, you may be liable for a maximum of $50. It is your responsibility to monitor account activity and report any unusual or fraudulent transactions to UnitedHealthcare®. Once reported, it will be deactivated immediately and new card(s) will be reissued.

A special purpose debit card offered to you by UnitedHealthcare (at your employer's request), that you can use to help pay for eligible expenses quickly and conveniently from your flexible spending account. 

Eligible expenses may include such things as: 

• Pharmacy prescriptions 
• Office co-payments 
• Eligible over-the-counter (OTC) health care items (visit myuhc.com for a list of eligible 213(d) expenses) 
• Deductibles, coinsurance

Your card may be used at a variety of locations based on the parameters of your employer’s benefit plan(s). In general, your card may be used at hospitals, doctor’s offices, many retailers and grocers, pharmacies and some dependent day care centers, if you also have the dependent saving account.

You and any eligible dependent(s) can use the card at approved locations. Two cards are sent for convenience. Additional cards may be requested by calling customer service at 1-866-755-2648.

All accounts start off each year with the "Auto-Rollover" feature selected. If you do not want to automatically receive payment, you will need to go to www.myuhc.com and turn off the feature.