Flex Benefit Card

The easy way to access all of your benefits.

 The benefits debit card eliminates the hassles of claim submission and waiting for a reimbursement check.

Start Saving Money by Participating in Benefit Accounts

Are your out-of-pocket healthcare, dependent care, and transportation costs rising? Tax-advantaged benefit accounts are a great way for you to save your hard-earned money. These accounts include:

  • Flexible spending accounts (FSA)
  • Health reimbursement arrangements (HRA)
  • Health savings accounts (HSA)
  • Dependent care flexible spending accounts (DCA)
  • Commuter accounts (transit/parking)

Access to Funds

Your benefits debit card gives you easy access to the funds in your tax-advantaged benefit accounts by swiping the card at the point of sale. The card can be used at any qualified service provider that accepts MasterCard. Funds are automatically transferred from the benefit account directly to qualified providers with no out-of-pocket cost and no need to file a claim for reimbursement.

Your benefits debit card virtually eliminates:

  • Out-of-pocket expenses
  • Claim forms
  • Reimbursement checks

Multiple Benefit Accounts, One Card

In the event that you have multiple benefit accounts, you need only one benefits debit card. Our technology understands which purchases should be applied to any one of your accounts. If your card is swiped at your child’s daycare, the funds will be deducted from your dependent care FSA. Buy a train token automatically with funds from your transit account. It’s one smart card!

Your benefits debit card is as easy as 1-2-3

  1. Check your account balance
    You can view your transaction history, current balance, claim status, and more by logging in online, calling the phone number on the back of your card or via the mobile application, if available.
  2. Swipe your benefits debit card
    Swipe the card at the point-of-sale for eligible products and services. Most major retail chains utilize a system that will auto-substantiate the purchase, meaning it will approve eligible expenses without requiring submission of receipts. If a purchase is greater than your account balance, you can split the cost at the register or you may submit a manual claim.
  3. Keep all your receipts
    Though the need for documentation is greatly reduced, it is a good practice to save your receipts in the rare instance documentation is requested by your administrator or in case of an IRS audit.

How long is my card valid?

As long as you do not have a break in participation, you can use your card for multiple years, until the expiration date printed on it. If you are still a participant when your card expires, a new card will be automatically mail to you.

Grace Period Purchases

Check your summary plan document to see if your plan allows purchases during a time called the “grace period.” Purchases made during this time are automatically applied to any remaining prior year’s balance first, allowing you to use your funds without having to file claims.

Questions About Eligibility?

Register Here To Access Your Account Check Your Balance

Northwest Group Services
2340 Detroit Ave, 2nd Floor
Maumee, Ohio 43537

Phone: (888) 808-3008
Fax: (419) 887-1214

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