FSA and HSA Cards

Your FSA, HSA or HRA card is the fastest way to pay for eligible medical expenses at checkout. There's no waiting for reimbursement, and the card works at most places where medical costs come up. This section walks through how the card actually works, where it's accepted, what triggers a decline, how to check your balance, and what to do if you need to activate a new card or replace one that's been lost.

You'll also find practical details on using the card at major retailers, chain pharmacies, and doctor's offices. The questions we hear most often: 'Why did my card decline?' 'Where exactly can I use this?' and 'How do I know what I have left to spend?' If you're buying something your plan doesn't cover (like a gym membership or fitness class), a letter of medical necessity can help you get reimbursed after you pay out of pocket.