/depts/,/depts/uwhealth/,/depts/uwhealth/benefits/,/depts/uwhealth/benefits/open-enrollment/,/depts/uwhealth/benefits/open-enrollment/uwmf-open-enrollment/,/depts/uwhealth/benefits/open-enrollment/uwmf-open-enrollment/health-savings-account/,/depts/uwhealth/benefits/open-enrollment/uwmf-open-enrollment/health-savings-account/resources/,

/depts/uwhealth/benefits/open-enrollment/uwmf-open-enrollment/health-savings-account/resources/Benefits-Participant-Guide.pdf

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Departments & Programs,UW Health,Benefits,UW Health Open Enrollment,UWMF Open Enrollment,Health Savings Account,Resources

Benefits Participant Guide

Benefits Participant Guide - Departments & Programs, UW Health, Benefits, UW Health Open Enrollment, UWMF Open Enrollment, Health Savings Account, Resources



Benefits Participant Guide

Table of Contents
Refer to the Table of Contents for a full summary of the information contained within this guide. Click the section headings
to be brought directly to that section of the guide. If you click a link in this document and would like to return to the section
you were at previously, push Alt + Left Arrow. Please note, certain sections of this guide may not apply to your plan type or
chosen plan design.

1. GENERAL INFORMATION ................................................................................................................ 3
1.1 Contact Information .................................................................................................................................. 3
1.2 Internet Explorer Compatibility .................................................................................................................. 3
1.3 Logging In To Your Account ...................................................................................................................... 4
1.4 Setting up a Bank Account (Direct Deposits, Repayments, Contributions) ................................................ 5
1.5 Ordering Debit Cards ................................................................................................................................ 6
1.6 Eligible Expenses ..................................................................................................................................... 7
1.7 Mobile App ................................................................................................................................................ 7
1.7.1 Expense Tracker ......................................................................................................................................................8
2. FLEXIBLE SPENDING ACCOUNT (FSA) .......................................................................................... 9
2.1 Documentation Requirements ................................................................................................................. 10
2.2 Debit Card .............................................................................................................................................. 10
2.2.1 Receipt Reminders ................................................................................................................................................ 10
2.2.2 When/Why Documentation is Required ................................................................................................................ 10
2.2.3 Submitting Documentation .................................................................................................................................... 11
2.2.4 Card on Hold ......................................................................................................................................................... 12
2.2.5 Offsetting Debit Card Transactions ....................................................................................................................... 12
2.2.6 Repaying Debit Card Transactions ....................................................................................................................... 13
2.3 Filing Claims ........................................................................................................................................... 14
3. DASHBOARD .................................................................................................................................. 18
4. HEALTH SAVINGS ACCOUNT (HSA)............................................................................................. 21
4.1 Debit Card .............................................................................................................................................. 21
4.2 Distribution (Withdrawal) ......................................................................................................................... 21
4.3 Contribution (Deposit) ............................................................................................................................. 24
4.4 Investments ............................................................................................................................................ 26
4.4.1 Manage Investment Transfers .............................................................................................................................. 26
4.4.2 View Investment Details ........................................................................................................................................ 27
4.5 Tax Documents ....................................................................................................................................... 28
5. COMMUTER BENEFITS ................................................................................................................. 30
5.1 Mass Transit/Parking/Bicycle .................................................................................................................. 30
5.2 SmartCommute Program ........................................................................................................................ 32




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TABLE OF CONTENTS
1. GENERAL INFORMATION
2. FLEXIBLE SPENDING ACCOUNTS (FSA)
3. DASHBOARD

4. HEALTH SAVING ACCOUNTS (HSA)
5. COMMUTER BENEFITS

1. GENERAL INFORMATION
The information in this guide is general and does not apply to all plans depending on specific plan rules. Please see your
Summary Plan Description (SPD) for specific rules related to your plan. A copy of your SPD can be obtained through your
Human Resource department.
1.1 Contact Information
Participant Services is available to assist Monday through Friday from 6am to 9pm Central.

Phone: 1-866-451-3399
Fax: 1-866-451-3245
Email: customerservice@discoverybenefits.com
Website: www.discoverybenefits.com
Mail: Discovery Benefits
P.O. Box 2926
Fargo, ND 58108-2926


1.2 Internet Explorer Compatibility
Effective January 1, 2016, Microsoft will no longer be supporting Explorer 7 (IE7) and Explorer 8 (IE8). As a result,
https://www.discoverybenefits.com will no longer be available on either of the above browsers, and all participants must
update their browsers prior to that date.
If you have an older browser, you will see the following screen in your online account upon log in.

To update your browser, please go to http://www.microsoft.com/en-us/, and in the search bar, enter the term “Update
Browser,” and choose the applicable link, labeled “Download Web Browser.” The Microsoft website will then walk you
through the process to update your browser to be the most up-to-date and compatible with
https://www.discoverybenefits.com/ going forward.













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TABLE OF CONTENTS
1. GENERAL INFORMATION
2. FLEXIBLE SPENDING ACCOUNTS (FSA)
3. DASHBOARD

4. HEALTH SAVING ACCOUNTS (HSA)
5. COMMUTER BENEFITS

1.3 Logging In To Your Account
To create your account online go to www.discoverybenefits.com. Click the Account Login button and then select
Reimbursement Account.



Select Create your new username and password and then complete the three steps.






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TABLE OF CONTENTS
1. GENERAL INFORMATION
2. FLEXIBLE SPENDING ACCOUNTS (FSA)
3. DASHBOARD

4. HEALTH SAVING ACCOUNTS (HSA)
5. COMMUTER BENEFITS

Step 1: Complete the required fields. Note: You can provide either your SSN or Employee ID Number. Select
Next.
Step 2: Pick the security questions you would like to answer. Note: You will be prompted to answer security
questions when completing certain functions within the portal. Select Next.
Step 3: A temporary username will auto-populate, double click on the auto-populated username to personalize it.
Note: Keep record of your personalized username and password as we do not store this information. Select
Submit.
1.4 Setting up a Bank Account (Direct Deposits, Repayments, Contributions)
By setting up a bank account (checking or savings) you can be reimbursed for claims via direct deposit, repay claims and
contribute to a Health Savings Account. Note: No reimbursement limit applies to direct deposit. There is a $25.00
reimbursement requirement for paper checks that are not issued directly to the provider. For check reimbursement not
issued to the provider, claims will be held until they reach $25.00 or until the end of the month.

Step 1: Select the Profile tab, then Banking/Cards.



Step 2: Select Add Bank Account.

Step 3: Enter bank account (checking or savings) information into the required fields. The Routing Number will
auto-populate the Bank Information when you tab to the next field. Select Submit.

Step 4: Answer the security question.

Step 5: Check mark the box for what plan years you would like set up with direct deposit. Then click the Continue
button.

Step 6: Validate the bank account. The direct deposit process will be in a hold status until the bank account
is validated.

ξ A deposit between ($0.01 and $0.99) followed by an immediate withdrawal will be made to the designated
bank account within 1-3 business days of direct deposit submission.

ξ Once you see the deposit in your bank account, log in to your Discovery Benefits account at
www.discoverybenefits.com. Click on the activation link in the Message Center section on the Home tab and
enter the deposit amount. (Format example: $0.XX)


By completing the online steps for establishing direct deposit, you are certifying the information provided is accurate.
Further, the completion and submission of this information authorizes Discovery Benefits to issue payment directly to the



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TABLE OF CONTENTS
1. GENERAL INFORMATION
2. FLEXIBLE SPENDING ACCOUNTS (FSA)
3. DASHBOARD

4. HEALTH SAVING ACCOUNTS (HSA)
5. COMMUTER BENEFITS

specified account unless notified to do otherwise. You understand and agree that Discovery Benefits reserves the right to
reverse any ACH deposit where an error occurs, in accordance with banking regulations.
1.5 Ordering Debit Cards
If your plan offers the debit card as a reimbursement option, you may be able to order debit cards via your online account
for yourself, spouse, and any dependent added to your plan that is over 18.

Step 1: Select the Profile tab, then Banking/Cards. You will have the option to order a new card or a replacement
card by clicking on Debit Cards.



The debit card(s) will arrive to your designated shipping address within 10-14 days of placing the request. Note: You can set
up a PIN for your debit card by calling 1-866-451-3399, Option 1, Option 1, then Option 3.

If you’d like to order a debit card in your spouse’s name or dependent’s name who is not listed on the account you would
need to follow the below instructions.

Step 1: Select the Profile tab and then select Add Dependent.



Step 2: Enter the dependent information and then hit Submit.



Step 3: Select the Profile tab and then select Banking/Cards. Below Debit Cards you will have
the option now to select Issue Card next to your dependent’s name.



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TABLE OF CONTENTS
1. GENERAL INFORMATION
2. FLEXIBLE SPENDING ACCOUNTS (FSA)
3. DASHBOARD

4. HEALTH SAVING ACCOUNTS (HSA)
5. COMMUTER BENEFITS







Step 4: Verify the address and click Submit.




Step 5: You will receive a confirmation once the card is ordered.



1.6 Eligible Expenses
A searchable list of eligible expenses can be found on our website at www.discoverybenefits.com/searcheligibleexpenses.
Due to frequent updates to regulations governing FSAs, DCAs and HSAs, this list does not guarantee reimbursement, but
instead is to be utilized as a guide. Additional resources can be found at www.discoverybenefits.com/extras.

1.7 Mobile App

A FREE mobile app is available for iOS (Apple) and Android markets for Medical FSAs, DCAs, HSAs, HRAs and
Commuter. The app can be used to file claims, view account balances, upload receipts, review plan details, view account
activity, and view HSA investment detail. Note: Version 4.2 or later is required to file claims under a DCA, HRA, or
Commuter account. For more information or to download the app please visit
https://www.discoverybenefits.com/employees/mobile-app.



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TABLE OF CONTENTS
1. GENERAL INFORMATION
2. FLEXIBLE SPENDING ACCOUNTS (FSA)
3. DASHBOARD

4. HEALTH SAVING ACCOUNTS (HSA)
5. COMMUTER BENEFITS



Step 1: Download the Discovery Benefits app on your mobile device.

Step 2: Enter your username and password (same as online account).



*Note: The above example, as well as the other examples in this guide, are from an iOS (Apple) device; Android devices will look slightly different.

Step 3: Create a four digit passcode, then confirm the passcode (the passcode will be how you will log in from this
point forward with the app). Note: Discovery Benefits does not have the ability to reset your four digit passcode
once created. To do so, you will need to choose the ‘Settings’ option on the home screen. After this has been
selected you will see a page where you can select the ‘Change Passcode’ option. When selected you will be
prompted to confirm this is what you would like to do.



1.7.1 Expense Tracker

The Expense Tracker feature serves as an organizational tool to keep track of all expenses and documentation relating to
those expenses. It can also tie to the process of filing a mobile app claim to be reimbursed for out-of-pocket expenses.
This feature will only be available through the Mobile App.

Adding an Expense

Step 1: Select Expenses on the home screen.



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1. GENERAL INFORMATION
2. FLEXIBLE SPENDING ACCOUNTS (FSA)
3. DASHBOARD

4. HEALTH SAVING ACCOUNTS (HSA)
5. COMMUTER BENEFITS




Step 2: Tap the “Create New Expense” button in the top middle of the Expense Tracker screen.



Step 3: Input your claim information under the Details section. Scroll to the bottom of the screen and select Upload
Receipt. Your mobile device will then prompt you to take a picture with your camera, or you may upload an existing
picture from your camera roll.



Step 4: Take a picture of your receipt. Make sure you can clearly read the name of the provider, date(s) of service,
the type of service or product, and dollar amount (after insurance, if applicable). Once you have a clear picture,
save your image and select Add Expense to store your information. Note: You will be unable to submit your
expense as a claim from the Mobile App Expense Tracker. You will need to submit your expense through the
online portal if you want to be reimbursed for the expense through the Dashboard.

2. FLEXIBLE SPENDING ACCOUNT (FSA)
A Flexible Spending Account (FSA) falls under one of the following categories: Medical FSA, Dependent Care FSA,
Combination FSA, Limited FSA or Health Reimbursement Arrangement (HRA). Note: A Health Reimbursement
Arrangement (HRA) is an employer-funded account that covers designated medical expenses. Please see your Summary
Plan Description (SPD) for specific rules related to your plan. A copy of your SPD can be obtained through your Human
Resource department.



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TABLE OF CONTENTS
1. GENERAL INFORMATION
2. FLEXIBLE SPENDING ACCOUNTS (FSA)
3. DASHBOARD

4. HEALTH SAVING ACCOUNTS (HSA)
5. COMMUTER BENEFITS

2.1 Documentation Requirements
Approvable documentation for medical expenses, which is required by the IRS, is a receipt/statement containing, all of the
following: name of provider, date(s) of service within the plan year, an eligible type of service or product (see Eligible
Expenses) and dollar amount (after insurance, if applicable). Tip: An Explanation of Benefits (EOB) from your insurance
provider is ideal for substantiating claims.

Approvable documentation for dependent care expenses, which is required by the IRS, is a receipt/statement containing,
all of the following: name of eligible provider, date(s) of service within the plan year, eligible types of service, and dollar
amount. Note: To be reimbursed, services must already have been rendered. Tip: For a Dependent Care Account (DCAs),
a signature on the Out-of-Pocket Reimbursement Request Form by the daycare provider will take the place of needing to
submit supporting documentation for manual claims.
2.2 Debit Card
Advantages:
ξ Less out-of-pocket expenses at the time of service
ξ No waiting for a reimbursement
ξ Merchant is paid directly at the point of sale
2.2.1 Receipt Reminders

If documentation is required for a debit card transaction, you will receive an email notification to log in to your account to
view a Receipt Reminder. The Receipt Reminder will display the documentation required and next steps. If you do not
have an email address on file, a Receipt Reminder will be mailed. Note: Debit card use will be put on temporary hold if
documentation is not received within the designated time period.
2.2.2 When/Why Documentation is Required

Due to IRS regulations, certain debit card transactions need to be substantiated. Substantiating means validating a
transaction to ensure the debit card was used for IRS approved items/services within the allowed time frame.

When documentation is not needed:
ξ When co-payments are tied to the account holders health plan.

ξ When purchases are made at merchants using the Inventory Information Approval System (IIAS). These
merchants will approve eligible expenses at the point of purchase. When using your debit card at these
merchants, swipe your debit card for the entire purchase. The items that are eligible expenses will be
approved, and the merchant will ask for a secondary form of payment for ineligible items. To find a full list of
merchants utilizing IIAS, visit our website at www.discoverybenefits.com/extras or click the link Visit Our
Website below.


ξ When recurring expenses match the same provider and dollar amount for previously substantiated
transactions. Example: Jane goes to the doctor to get her allergy shot. Her treatment requires that she
continue to receive these shots every two weeks. Because Jane’s allergy shots are not provided at an IIAS
merchant and it is not a standard co-pay amount, the first visit will need to be substantiated with an itemized
receipt/statement or Explanation of Benefits (EOB). Any recurring visits to the same provider, for the same
dollar amount, will be recognized as a recurring expense and will be processed without additional
substantiation.







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1. GENERAL INFORMATION
2. FLEXIBLE SPENDING ACCOUNTS (FSA)
3. DASHBOARD

4. HEALTH SAVING ACCOUNTS (HSA)
5. COMMUTER BENEFITS








Note: Some items pictured above may require a prescription or doctor’s note to be FSA eligible.
2.2.3 Submitting Documentation
There are several ways to submit documentation.

Online

Step 1: A Message Center will appear in the middle of your Home tab.



Step 2: Click on the receipt(s) needed option.

Step 3: Click on Upload Receipt beside the claim to which you would like to upload your documentation.

Step 4: You will be prompted to upload supporting documentation. Browse your documents and select the correct
attachment. Once documentation is attached, select Upload.

Step 5: Once uploaded, you will receive confirmation and you will see a receipt status of Uploaded for that claim.
This means your documentation has been submitted and will be processed within two business days. If further
documentation is needed, you will be notified via email. If an email address is not on file, you will be notified via
mail.

Mobile App

Step 1: Access the Message Center by selecting the envelope icon on the top of the mobile application.



Step 2: Click on the Claim.




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TABLE OF CONTENTS
1. GENERAL INFORMATION
2. FLEXIBLE SPENDING ACCOUNTS (FSA)
3. DASHBOARD

4. HEALTH SAVING ACCOUNTS (HSA)
5. COMMUTER BENEFITS

Step 3: On the Claim screen, scroll to the bottom and select New Receipt. Your mobile device will then prompt you
to take a picture with your camera or upload an existing picture from your camera roll.

Step 4: Take a picture of your receipt. Make sure you can clearly read the name of the provider, date(s) of service,
the type of service or product, and dollar amount (after insurance, if applicable). Once you have a clear picture,
save your image to submit the new receipt.

Fax or Mail

Submit the Receipt Reminder with documentation to Discovery Benefits via fax or mail.
Fax: 1-866-451-3245
Mail: Discovery Benefits, PO Box 2926, Fargo ND 58108-2926
2.2.4 Card on Hold

If documentation is not received and processed within the timeframe allowed, the debit card will be placed on a temporary
hold. When approved documentation or repayment is received, debit card use will be resumed. Note: Only the debit card
is on a temporary hold. Claims can still be filed for out-of-pocket expenses.
2.2.5 Offsetting Debit Card Transactions

Offsetting is using eligible out-of-pocket expenses to clear up a denied debit card transaction. Offsetting can be done on
your online account or by fax or mail. To communicate your intent, simply write ‘offset’ on the documentation you are
submitting and include the Receipt Reminder or Denial Notification.

Online

Step 1: Select the Home tab, then Receipt(s) Needed.



Step 2: Click on the receipt(s) needed option.

Step 3: Click on Upload Receipt beside the claim to which you would like to upload your documentation.

Step 4: You will be prompted to upload supporting documentation. Browse your documents and select the correct
attachment. Once documentation is attached, select Upload.

Step 5: Once uploaded, you will receive confirmation and you will see a receipt status of Uploaded for that claim.
This means your documentation has been submitted and will be processed within two business days. If further
documentation is needed, you will be notified via email. If an email address is not on file, you will be notified via
mail.

Mobile App

Step 1: Access the Message Center by selecting the envelope icon on the top of the mobile application.




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TABLE OF CONTENTS
1. GENERAL INFORMATION
2. FLEXIBLE SPENDING ACCOUNTS (FSA)
3. DASHBOARD

4. HEALTH SAVING ACCOUNTS (HSA)
5. COMMUTER BENEFITS



Step 2: Click on the Claim you would like to offset.

Step 3: On the Claim screen, scroll to the bottom and select New Receipt. Your mobile device will then prompt you
to take a picture with your camera or upload an existing picture from your camera roll.

Step 4: If a new picture is needed, take a picture of your receipt. Make sure you can clearly read the name of the
provider, date(s) of service, the type of service or product, and dollar amount (after insurance, if applicable). Once
you have a clear picture save your image to submit the new offset receipt.

Fax or Mail

Submit the offsetting documentation with the Receipt Reminder or Denial Notification via fax or mail.
Fax: 1-866-451-3245
Mail: Discovery Benefits, PO Box 2926, Fargo ND 58108-2926

2.2.6 Repaying Debit Card Transactions

Repayments for denied debit card claims can be made on your online account or by mailing in a check or money order to
Discovery Benefits. To ensure efficient processing, include the Denial Notification.

Online

To repay the portion of your claim that was not approved by using the direct deposit account you have on file, you can visit
https://dbi.navigatorsuite.com. Once you have logged in to your account, select the repayment link in the Message Center
on your homepage. Click the Repay link next to the claim you wish to repay and follow the remaining steps.



Note: You need to have a validated bank account on file in order to repay the claim using this method. If you do not have a
bank account on file or you have not yet validated your bank account, you must log in to your online account and complete
the necessary steps for setting up and validating your bank account information. Please see the Setting up a Bank Account
section 1.3 of this guide if you do not have a bank account set up.




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TABLE OF CONTENTS
1. GENERAL INFORMATION
2. FLEXIBLE SPENDING ACCOUNTS (FSA)
3. DASHBOARD

4. HEALTH SAVING ACCOUNTS (HSA)
5. COMMUTER BENEFITS

Mail

Repayments can be made by sending a check or money order via mail. To ensure efficient processing, include the Denial
Notification or Receipt Reminder with the check or money order. If this is not available, simply write the claim number in the
memo line of your check. Send repayments to: Discovery Benefits, PO Box 2926, Fargo ND 58108-2926

2.3 Filing Claims
Claims for out-of-pocket expenses can be filed via mail, fax, online, or by using the mobile app. Note: Don’t file a claim if
you have already used your Flexible Spending Account debit card. This could result in duplicate claims.

Online

Step 1: Select File A Claim within the I Want To… section.




Step 2: Create the reimbursement by choosing the Pay From and Pay To fields.




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TABLE OF CONTENTS
1. GENERAL INFORMATION
2. FLEXIBLE SPENDING ACCOUNTS (FSA)
3. DASHBOARD

4. HEALTH SAVING ACCOUNTS (HSA)
5. COMMUTER BENEFITS




Step 3: Upload your valid documentation:



Step 4: Add the claim details:

Note: A receipt must be
uploaded to file a claim.
You have the option to
send payment to yourself
or someone else. If you
choose ‘Someone Else’ a
paper check will be mailed
to the designated payee.
Please allow 10-14 days
mailing time in addition to
the processing time.



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TABLE OF CONTENTS
1. GENERAL INFORMATION
2. FLEXIBLE SPENDING ACCOUNTS (FSA)
3. DASHBOARD

4. HEALTH SAVING ACCOUNTS (HSA)
5. COMMUTER BENEFITS


Step 5: Agree to the Claims Terms and Conditions and Submit your claim






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TABLE OF CONTENTS
1. GENERAL INFORMATION
2. FLEXIBLE SPENDING ACCOUNTS (FSA)
3. DASHBOARD

4. HEALTH SAVING ACCOUNTS (HSA)
5. COMMUTER BENEFITS

Step 6: You will receive a confirmation that your claim was submitted. It will be processed within two business
days. If further documentation is needed, you will be notified via email if you have an email address on file or via
mail if you do not.




Mobile App

Step 1: Select File A Claim on the home screen.



Step 2: Select the plan you would like to file a claim for.

Step 3: Input your claim information on the New Claim screen. Scroll to the bottom of the screen and select
Upload Receipt. Your mobile device should then prompt you to take a picture with your camera or upload an
existing picture from your camera roll.

Step 4: Take a picture of your receipt. Make sure you can clearly read the name of the provider, date(s) of service
within the plan year, the type of service or product, and dollar amount (after insurance, if applicable). Once you
have a clear picture save your image and select Add Claim to submit your claim.


Fax or Mail

Submit the Out-of-Pocket Reimbursement Request Form with documentation via fax or mail.
Fax: 1-866-451-3245
Mail: Discovery Benefits, PO Box 2926, Fargo ND 58108-2926



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TABLE OF CONTENTS
1. GENERAL INFORMATION
2. FLEXIBLE SPENDING ACCOUNTS (FSA)
3. DASHBOARD

4. HEALTH SAVING ACCOUNTS (HSA)
5. COMMUTER BENEFITS


3. DASHBOARD
The Dashboard feature will provide a cumulative view of all claims, debit card transactions, distributions and track
expenses. You can access this from the Dashboard tab.



Once you have selected the Dashboard option, the above page will appear. You will be able to hover over each one of the
dollar amounts to see the explanation of each field or item as listed in the below image. You can also click on each
individual claim too see the detail of each expense.






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TABLE OF CONTENTS
1. GENERAL INFORMATION
2. FLEXIBLE SPENDING ACCOUNTS (FSA)
3. DASHBOARD

4. HEALTH SAVING ACCOUNTS (HSA)
5. COMMUTER BENEFITS



You can also refer to the graphs on the Dashboard for a breakdown of where expenses have been applied:



You may also click on each individual expense to view more detail regarding that specific claim or charge.








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TABLE OF CONTENTS
1. GENERAL INFORMATION
2. FLEXIBLE SPENDING ACCOUNTS (FSA)
3. DASHBOARD

4. HEALTH SAVING ACCOUNTS (HSA)
5. COMMUTER BENEFITS



You may also click on Add Expense to track any expenses that you have:



You will then enter all of the expense information and then click Add at the bottom of the window.



You will receive a confirmation once your expense has been added:

If you want the expense to be paid out, you will want to click on “Pay” and then select the plan you want it to be paid from.




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TABLE OF CONTENTS
1. GENERAL INFORMATION
2. FLEXIBLE SPENDING ACCOUNTS (FSA)
3. DASHBOARD

4. HEALTH SAVING ACCOUNTS (HSA)
5. COMMUTER BENEFITS



4. HEALTH SAVINGS ACCOUNT (HSA)
4.1 Debit Card
Advantages:
ξ Less out-of-pocket expenses at the time of service
ξ No waiting for a distribution
ξ Merchant is paid directly at the point of sale
ξ Keep receipts for your own records. You aren’t required to submit documentation of HSA transactions to Discovery
Benefits.










4.2 Distribution (Withdrawal)
A distribution is requesting funds from your HSA. You can request a distribution via your online account. If you need to
request a distribution due to an excess contribution removal, prohibited transactions, rollover, transfer, divorce or disability
please use the HSA Distribution Form. If you need to request a distribution due to death of the HSA account holder, please
use the HSA Death Distribution Form. Both of these forms are located on our website at:
http://www.discoverybenefits.com/participants/participants-forms.

Online

Step 1: Select Make HSA Transaction within the I Want To… section.








22

TABLE OF CONTENTS
1. GENERAL INFORMATION
2. FLEXIBLE SPENDING ACCOUNTS (FSA)
3. DASHBOARD

4. HEALTH SAVING ACCOUNTS (HSA)
5. COMMUTER BENEFITS

Step 2: Complete the From and To fields:



Step 3: Choose if it is a One-time or Scheduled transaction:






















You have the option to send payment to yourself or
someone else. If you choose ‘Someone Else’ a paper
check will be mailed to the designated payee. Please
allow 10-14 days for the payee to receive the check.



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TABLE OF CONTENTS
1. GENERAL INFORMATION
2. FLEXIBLE SPENDING ACCOUNTS (FSA)
3. DASHBOARD

4. HEALTH SAVING ACCOUNTS (HSA)
5. COMMUTER BENEFITS



Step 4: Fill in the transaction details.
































24

TABLE OF CONTENTS
1. GENERAL INFORMATION
2. FLEXIBLE SPENDING ACCOUNTS (FSA)
3. DASHBOARD

4. HEALTH SAVING ACCOUNTS (HSA)
5. COMMUTER BENEFITS



Step 5: Fill in the additional transaction details.



Step 6: Agree to the Claims Terms and Conditions, and the Normal Distribution Disclaimer, and click Submit.

Fax or Mail

Submit the applicable HSA Distribution Form via fax or mail.
Fax: 1-866-451-3245
Mail: Discovery Benefits, PO Box 2926, Fargo ND 58108-2926
4.3 Contribution (Deposit)
You can contribute funds into your HSA electronically through your online account or via mailing the HSA Contribution
Form with a paper check or money order. Electronic contribution processing is quickest way to deposit funds. Use the IRS
Maximum Contribution Detail to determine how much you can contribute for the applicable tax year. Note: Any
contributions received will be deposited in a cash account. To have funds transferred from the cash account to
investments, you must log in to your online account and ‘opt in’ to establish a specified threshold amount. See the
Investment section on how to ‘opt in’.

Online

Step 1: Select Make HSA Transaction within the I Want To… section.



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TABLE OF CONTENTS
1. GENERAL INFORMATION
2. FLEXIBLE SPENDING ACCOUNTS (FSA)
3. DASHBOARD

4. HEALTH SAVING ACCOUNTS (HSA)
5. COMMUTER BENEFITS



Step 2: Complete the From and To Fields:


Step 3: Choose if it is a One-time or Scheduled transaction:























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TABLE OF CONTENTS
1. GENERAL INFORMATION
2. FLEXIBLE SPENDING ACCOUNTS (FSA)
3. DASHBOARD

4. HEALTH SAVING ACCOUNTS (HSA)
5. COMMUTER BENEFITS

Step 4: Enter the Amount and any Notes:



Step 5: Agree to the Contribution Disclaimer and Submit.







Mail

Submit the Health Savings Account (HSA) Contribution Form with a check or money order to:
Discovery Benefits, PO Box 2926, Fargo ND 58108-2926
4.4 Investments
You have the ability to invest your HSA funds once you hit a minimum threshold and you also have the ability to view
and manage your investment details.
4.4.1 Manage Investment Transfers
To set your threshold you must opt in to Manage Investment Transfers.



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TABLE OF CONTENTS
1. GENERAL INFORMATION
2. FLEXIBLE SPENDING ACCOUNTS (FSA)
3. DASHBOARD

4. HEALTH SAVING ACCOUNTS (HSA)
5. COMMUTER BENEFITS

Step 1: Select Manage Investments under the I Want To…Section:



Step 2: Select Setup Investment Transfers:



Step 3: Check the box next to ‘Define Investment Sweep Amount. Set your threshold amount, then select the
Save button:

4.4.2 View Investment Details

To view and manage your investments.
Step 1: Select Manage Investments under the I Want To…Section:


Your fund balances will be
automatically reallocated,
consistent with your
investment elections, at the
frequency you select. Even
as market conditions
change, your overall
investment mix will stay on
target with your
diversification strategy. The
investment sweeps will
automatically replenish
your cash account when it
goes below your
investment threshold. Keep
in mind that it can take up
to 14 business days for
investments to be sold and
this balance to post.




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TABLE OF CONTENTS
1. GENERAL INFORMATION
2. FLEXIBLE SPENDING ACCOUNTS (FSA)
3. DASHBOARD

4. HEALTH SAVING ACCOUNTS (HSA)
5. COMMUTER BENEFITS



Step 2: Select Manage Investments, and answer a Security Question:




Step 3: Once you have answered the security question, you will be in the investment site. The toolbar on the
left side of the investment site includes a FAQ section that will assist you through navigation.

Note: Trades initiated after 1:30 p.m. Central will be processed the next business day. Trades can take 3-6 business
days to process.




4.5 Tax Documents
You will be provided with two HSA tax documents, the 1099-SA and 5498-SA. The 1099-SA is provided in January and
reports distributions. The 5498-SA is provided in May and reports contributions. Note: You will only receive these
documents if you had a distribution or contribution within the applicable tax year. These documents can be found in your
online account.

Step 1: Select the Statements & Notifications tab, then HSA Tax Statements.



Make sure that any
pop-up blocker is
turned off for this
step.

Make sure to click Submit and
not the ‘Enter’ key for this step



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TABLE OF CONTENTS
1. GENERAL INFORMATION
2. FLEXIBLE SPENDING ACCOUNTS (FSA)
3. DASHBOARD

4. HEALTH SAVING ACCOUNTS (HSA)
5. COMMUTER BENEFITS

Step 2: Click on the name of the document you need.


Note: Once the tax documents have generated, there will be a quick link on the Message Center to view your tax
statements.












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TABLE OF CONTENTS
1. GENERAL INFORMATION
2. FLEXIBLE SPENDING ACCOUNTS (FSA)
3. DASHBOARD

4. HEALTH SAVING ACCOUNTS (HSA)
5. COMMUTER BENEFITS

5. COMMUTER BENEFITS
5.1 Mass Transit/Parking/Bicycle
You can file online for parking, vanpooling and bicycle. Mass transit products should only be purchased with your
Discovery Benefits debit card. If you tried your debit card and it was unable to be utilized, an online claim can be filed.
Note: You cannot file mass transit or parking expenses by fax, mail, or with the mobile app.

Online

Step 1: Select File A Claim within the I Want To… section.



Step 2: Create the reimbursement by choosing the Pay From and Pay To fields.



Step 3: Complete the required (*) information. Note: You have the ability to reimburse yourself or the provider
directly.



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TABLE OF CONTENTS
1. GENERAL INFORMATION
2. FLEXIBLE SPENDING ACCOUNTS (FSA)
3. DASHBOARD

4. HEALTH SAVING ACCOUNTS (HSA)
5. COMMUTER BENEFITS




Step 4 (if applicable): Upload an itemized receipt.

Step 5: Agree to the Claims Terms and Conditions and Submit your claim













Add a New Payee
To add a new payee, select the ‘Add a New Payee’ option and fill in the displayed fields. To save this payee
for future use, check the ‘Save a new payee’ checkbox at the bottom. After you submit the reimbursement
request, the newly added payee will be available in the saved payees list. If you don't want to save this
payee, uncheck the ‘Save a new payee’ checkbox.
Select a Saved Payee
To use a previously saved payee, choose the ‘Select a Saved Payee’ option. Select a payee from the list
under ‘Payee Name’. The system will automatically populate the payee information with the saved payee
information.




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TABLE OF CONTENTS
1. GENERAL INFORMATION
2. FLEXIBLE SPENDING ACCOUNTS (FSA)
3. DASHBOARD

4. HEALTH SAVING ACCOUNTS (HSA)
5. COMMUTER BENEFITS

5.2 SmartCommute Program
Discovery Benefits’ new SmartCommute Program makes it easier for Washington, D.C. area residents to use their
commuter benefits. If your employer participates in the program, you will be able to load pre-tax transit and/or parking
funds onto your Metro SmarTrip® card from a commuter page on your consumer web portal. The monthly deadline for
orders is the 10th of the month prior to the month in which you’re planning to use the funds. Example: If you want to use the
funds starting January 1, 2016, you must place your order by December 10, 2015.


Step 1: Under the “I Want To...” section on the left-hand side of your homepage, click the Place Commuter Order
button. You will be redirected to a SmartCommute order page.





Step 2: You will be automatically logged in to the SmartCommute page, where you can place your transit and/or
parking order. Click on the “New Order” button in the bottom middle of the page.


Step 3: From this page, select “Washington Metro Area Transit Authority” from the dropdown menu, and click
Next.





















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TABLE OF CONTENTS
1. GENERAL INFORMATION
2. FLEXIBLE SPENDING ACCOUNTS (FSA)
3. DASHBOARD

4. HEALTH SAVING ACCOUNTS (HSA)
5. COMMUTER BENEFITS

Step 4: In the next step, you’ll be asked to enter your SmarTrip® card number. After entering, click Next.




Step 5: If the card number you entered does not match a registered card number in the WMATA system, you will
see the below error message. First, check to ensure you entered your card number correctly. If you did, that
means your card is either not yet registered with WMATA or your card name is registered incorrectly with WMATA.
Follow the steps in the orange box below to proceed with ordering.



If your card number did match a registered card in WMATA’s system, you will be brought to the next step.









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TABLE OF CONTENTS
1. GENERAL INFORMATION
2. FLEXIBLE SPENDING ACCOUNTS (FSA)
3. DASHBOARD

4. HEALTH SAVING ACCOUNTS (HSA)
5. COMMUTER BENEFITS

Step 6: From here, use the Yes/No buttons to indicate which benefits you want to add to your order — parking,
transit fare and/or transit pass. Then, click Next.





Step 7: From the next screen, enter the benefit amounts you would like to order for each benefit type, and click
Next.










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TABLE OF CONTENTS
1. GENERAL INFORMATION
2. FLEXIBLE SPENDING ACCOUNTS (FSA)
3. DASHBOARD

4. HEALTH SAVING ACCOUNTS (HSA)
5. COMMUTER BENEFITS

Step 8: The next step lets you set up a recurring order for the benefit(s) you selected. Use the Yes/No buttons to
indicate which months you would like to repeat this order for, if any. Then, click Next.



Step 9: You’re almost done! The next step will ask you to verify your order to make sure the information you
entered is accurate. Once you have confirmed all information is correct, click Place Order. Please note that by
placing your order, you acknowledge your understanding that no changes will be accepted after that month’s order
close date (the 10th of the month prior to using the benefits).








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TABLE OF CONTENTS
1. GENERAL INFORMATION
2. FLEXIBLE SPENDING ACCOUNTS (FSA)
3. DASHBOARD

4. HEALTH SAVING ACCOUNTS (HSA)
5. COMMUTER BENEFITS

Step 10: The last page will indicate that your order was successfully placed and tell you when the benefits will be
available on your card. Please note that if you placed a transit pass order, you will have one final step after leaving
the Discovery Benefits SmartCommute page. Simply follow the link to WMATA’s website to purchase a transit
pass.




A NOTE ABOUT USING YOUR CARD
If you’re not a regular commuter, you’ll need to use your SmarTrip® card at least once in the last two weeks before your
first benefit month to prepare your card for accessing your account. If you are a regular commuter, you’ll also need to do
this whenever you replace your card or make a change to your benefits.