Take Care Card FAQs

‘Take Care’ Card Frequently Asked Questions

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What is the Take Care® Card?
The Take Care® VISA card works much like a debit card, but allows you to use tax-free funds from your Health Flexible Spending Account (Health FSA) and Dependent Care Assistance Plan (DCAP) to pay for eligible medical and daycare expenses at point-of-sale.
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When will I receive my Take Care® Card?
You will automatically receive your Take Care Card when you enroll in either the Health FSA or the Dependent Care plan.
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Can I order an extra Take Care® card for one of my dependents?
Absolutely. Indicate the name of your dependent on your Enrollment Form or in the fields if you are utilizing Online Enrollment. You may order an additional card at any time during the plan year by logging into your account at myflexonline.com. There is no charge for extra cards.
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How do I activate the Take Care® card?
You do not need to activate the Take Care card. The card is already activated and ready for use!
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What dollar amount is available on my Take Care® card after I activate it?
The amount available for a Medical FSA = the total amount you elected for the current Plan Year minus any prior payments and reimbursements.
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Where can I use my Take Care® card?
Use your Take Care card to pay for eligible medical and daycare expenses at qualified merchant locations that accept debit VISA cards. You cannot use the Card at non-qualified locations, such as restaurants, gas stations and bookstores.
Your Take Care card can be used for eligible medical expenses for you, your spouse or your dependent and can typically be used at qualified medical providers such as:

  • Doctors
  • *Pharmacies
  • *Grocery stores (for prescriptions and IRS-approved medical supplies)
  • *Discount stores (for prescriptions and IRS-approved medical supplies)
  • Dentists
  • Orthodontists
  • Vision centers
  • Medical labs
  • Podiatrists
  • Chiropractors
  • Medical supply stores
  • Hospitals
  • Adult and Child Daycare facilities

*Merchant must be IIAS compliant.

Click here for a detailed listing of eligible, dual-purpose items and non-eligible items. The Card cannot be used for expenses that are not eligible for reimbursement under the Plan, such as teeth whitening, health club memberships and most cosmetic procedures.
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What are Flex Debit Card Eligible Merchant Category Codes (MCC)?
The Take Care card is a limited Merchant Category Code (MCC) card, meaning your card is designed to only work at merchants that provide flex-eligible items or services. In addition to the list below, the Take Care card will also work at any merchant with an IIAS (Inventory Information Approval System) in place (for example, Wal-Mart, Walgreen’s). See the next question (“What is IIAS?”) for more information.

~ Merchant Category Codes and Descriptions ~

  • 4119 Ambulance Services
  • 5047 Dental/Laboratory/Medical/Ophthalmic Hospital Equipment and Supplies
  • 5122 Drugs, Drug Proprietaries, and Druggists Sundries
  • 5912 Drug Stores, Pharmacies
  • 5975 Hearing Aids-Sales, Service, Supply Stores
  • 5976 Orthopedic Goods-Artificial Limb Stores
  • 8011 Doctors-not elsewhere classified
  • 8021 Dentists, Orthodontists
  • 8031 Osteopathic Physicians
  • 8041 Chiropractors
  • 8042 Optometrists, Ophthalmologists
  • 8043 Opticians, Optical Goods, and Eyeglasses
  • 8049 Chiropodists, Podiatrists
  • 8050 Nursing and Personal Care Facilities
  • 8062 Hospitals
  • 8071 Dental and Medical Laboratories
  • 8099 Health Practitioners, Medical Services-not elsewhere classified
  • 8351 Child Care Services

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What is IIAS?
IIAS (Inventory Information Approval System) technology makes it possible to track which of your purchases are considered eligible under your Health Flexible Spending Account at grocery stores, discount stores, wholesale clubs, mail-order vendors and web-based vendors. Effective January 1, 2009, when you shop at IIAS compliant retailers, your items will be identified as either an “eligible” or “ineligible” FSA expense at the point of sale. You may use your Take Care card to pay for eligible items and will be asked to use another form of payment for ineligible items. If your transactions approved at the point-of-sale at an IIAS merchant, you will not be asked to submit a receipt to OMNI. However, per IRS guidelines, we do ask that you keep your receipts for verification purposes.
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Can I use the Take Care® card to purchase eligible over-the-counter (OTC) items?
Generally, no. Beginning January 1, 2011, over-the-counter items are no longer eligible unless you have a prescription from your healtcare provider. You will need to submit a paper claim along with the prescription to be reimbursed.
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Can I use my Take Care® card to purchase prescription drugs?
Yes. Prescription drugs that are for medical purposes (and not for cosmetic purposes, for example) are considered eligible health care expenses. Beginning January 1, 2009, your Take Care card will only work at IIAS-approved pharmacies.
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What if I order my prescription through an online or mail order program?
Simply enter your 16-digit Take Care VISA account number on the order form and submit it to the online or mail order company, just like any other VISA or MasterCard transaction.
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If asked, should I select “Debit” or “Credit”?
Always choose “Credit”. Your Card has no PIN associated with it, so you must choose Credit when asked to select the kind of card you are using.
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What should I do with my receipts?
Please save your receipts. Since the IRS regulates this Plan, you may need to provide substantiation of an expense. If so, OMNI Group will contact you by email or regular mail to request an itemized receipt, bill, statement or insurance company Explanation of Benefits (EOB) that clearly shows the name of provider, type of service provided, date service was provided and cost of service. OMNI Group must receive requested documentation within the timeframe indicated in the correspondence, or your Take Care account may be suspended and you may be asked to repay the money back to your FSA.
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What happens if I cannot provide substantiation that my Take Care® card was used to pay for an eligible medical expense?
In order to comply with IRS regulations, the Plan must ensure that the Card is only used to pay for eligible medical expenses. OMNI Group is required to take action if substantiation is not provided as requested. Such actions may include: (i) requiring you to reimburse the Plan for the unsubstantiated expense; (ii) suspending your Card; (iii) offsetting your future reimbursement claims by the amount of the unsubstantiated expense; (iv) suspending your eligibility to participate in the Plan; and (v) deducting the amount of the unsubstantiated expense from your wages on an after-tax basis.

If you receive a letter from us requesting additional information and you have a question or concern, carefully follow the instructions. If you have a question or concern, please call our office. Our dedicated staff will work with you to find a solution so you can continue using your Take Care card without interruption.
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Can I use my Take Care® card to pay for a service before it is provided?
No. IRS regulations require that a service is incurred (provided) before using your Health FSA to pay for an expense. This would include down-payments for surgery, etc. The IRS allows one exception: eligibility of orthodontia expenses can be based on either date of payment, date of service or payment due date on statements/coupons.
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Can I use my Take Care® card to pay for orthodontia (braces)?
Yes. However, the IRS has some special rules regarding orthodontia. You must follow whatever financial arrangement (contract) you make with the orthodontist when using your Flex Card. Most orthodontists will require a down-payment (usually 25%), with monthly payments over the time the braces are on the patient. You can use your Flex Card for the down-payment and the monthly payments as they are incurred. Do not use your Flex Card to pay your monthly payments in advance of the due date. You are only allowed to use your Flex Card to pay for one month at a time, when it is due. Please note that the IRS also allows you to pay the entire cost of the braces in a lump sum using your Flex Card if that is the financial agreement you make with the orthodontist up front. Other financial arrangements are also allowed by the IRS (such as an annual or quarterly payment) if that is the official financial arrangement you make with the orthodontist at the start of treatment. It is important to follow whatever financial agreement you make with the orthodontist when using your Flex Card. Please call us if you have questions about this.
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Can I use the Take Care® card if I receive a statement with a ‘Balance Due’ for an eligible service?
Yes, as long as the “Balance Due” is your portion after the insurance has paid (if you have insurance). If the bill has a place for credit card payments you can enter yout TakeCare® card information to pay it.
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Can I use my Take Care® card to pay for services that were provided prior to participating in the Plan?
No. Unfortunately, IRS regulations do not allow this. The Date of Service determines whether the expense is eligible, not the date of payment. To be eligible for payment with your Card, a service must be provided in your current Plan Year and after you begin participating in the Plan. IRS regulations do not allow you to use your current FSA funds to pay for services that were incurred in the old Plan Year.
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What if a provider requires me to pay in full (e.g. in excess of my co-pay) at the point of service?
It is very important that you do not use your Take Care card for any part of the expenses that will be reimbursed from another source (i.e., insurance). Pay the required amount with another form of payment and then, for any eligible amount not reimbursed elsewhere, submit a paper claim to OMNI Group.

If you accidently pay for an expense and that expense will be been paid by insurance for example, please call our office for assistance.
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What are some reasons my Take Care card might not work at the point-of-service?

  • You do not have an active Take Care account for the current plan year.
  • You have insufficient funds remaining in your account to cover the entire expense.
  • You attempted to purchase items that are not eligible under the Plan.
  • You attempted to use your Card at a non-qualified merchant.
  • The merchant is encountering problems (such as coding or swipe box issues).

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What should I do if I cannot use my Take Care card at the point-of-sale?
Use another form of payment for the eligible item(s) and then submit a paper claim to OMNI Group requesting reimbursement of the expense.
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How do I know how much is in my account?
To view your Take Care card transactions, claim reimbursements and current balance, go to Your Account Balance or call our toll-free number, Monday thru Friday from 8 am to 5 pm Central time (9 am to 6 pm Eastern time). Checking your account balance before using the Card will help ensure that there are sufficient funds to cover your entire expense.
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What if an expense is more than the amount left in my account?
If an expense is more than your remaining account balance and the merchant submits a request for the entire expense, the request will be declined. You may be able to split the cost by telling the clerk you wish to use the Take Care card for the exact amount left in your account and then pay for the remaining amount separately with another form of payment. It would be unusual, but if the merchant does not allow a split transaction, you will need to use another form of payment and submit a claim to OMNI Group.
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Do I need a new Take Care® card each Plan Year?
Yes. Each year you will receive a new take Care card for the current plan year. Be sure to order an extra card each year for dependents when you re-enroll for the upcoming plan year. Your new Health FSA election will be loaded on your Card at the beginning of each new Plan Year. Any remaining Medical FSA balance from the prior Plan Year will no longer be available on the Take Care card after March 15 (for calendar plan years) if you employer has adopted the 2 ½ month grace period).
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What happens if I terminate employment or cease participation in the Plan?
Your Take Care card will be cancelled when you stop working for your Employer or cease to be eligible to participate in the Plan. Generally, claims for eligible expenses may be submitted for reimbursement prior to your plan termination.
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What if I lose my Card or need another one?
To minimize unauthorized use of your Card, be sure to report a lost Card immediately by calling 1-866-679-7649. Your card will be cancelled and you will receive a new card.
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Where do I go for answers to my questions?
Information is available 24/7 on this website. Your assigned OMNI Group representative is also available Monday thru Friday from 8 am to 5 pm Central time (9 am to 6 pm Eastern time).
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