CAC (Debit) Card Key Tips

Activation

  • If a member activates their card prior to the plan effective date,they cannot use the card until one business day after the plan effective date.
  • Because all initial value loading is currently a batch process, the card cannot be used for up to 1 business day after the initial activation.
  • The CAC Card cannot be used to pay for Rx dropped off PRIOR to activating the card at non IIAS enabled merchants. Members need to wait 1 Business Day after activation before dropping off their prescriptions.

Grace Period

  • The CAC Card will work with “Use it or Lose it’ (grace period), however funds will be taken out of the current year account and on a bi-weekly basis a reconciliation will be completed and funds will be transferred to the prior year account.
  • If current year funds are exhausted, the card cannot be used.
  • Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.

Rx Transactions

  • Rx transactions can be processed for ANY dollar amount as long as the claim is adjudicated via Medco at non IIAS enabled merchants. Includes mail order. Script must have been dropped off after card activation and 1 business day waiting period.

Negative Balance

  • Because accounts are updated nightly, there is the possibility of an account going negative if a manual claim is processed on the same day as a CAC Card transaction. Standard overpayment procedures will apply.
  • Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.

At the register or cashier:

This is not a credit card, but you will need to choose "credit" when making purchases.

Most Common Reasons CAC Card Transactions Decline

In order to achieve the best member experience, it is very important that members fully understand the use of the card prior to using it.

Most common reasons for declined transactions:

  • Member did not activate their card prior to use.
  • Member did not wait 1 business day after activating their card prior to use.
  • Members whose CAC Card plan is set up for strict copay matching are trying to purchase something other than a valid medical copay (e.g., coinsurance charge at the doctor).
  • Member is attempting to swipe for a coinsurance/deductible amount at an out of network provider.
  • Members are trying to pay for an Rx they presented prior to activating their card and waiting 1 business day at a non IIAS enabled merchant.
  • Members are trying to purchase non eligible (i.e. shampoo, gum, etc.) items in addition to their prescriptions at a non IIAS enabled merchant.
  • Members enrolled in HRA plan that only reimburses RX (no OTC) are trying to purchase an OTC item in addition to their RX at Walgreen’s retail stores.
  • Merchant point of sale devices are programmed with an invalid Merchant Category Code. Invalid MCCs will cause denials at point of service, even at an appropriate merchant.*
  • Merchant sends eligible Rx items as an IIAS category General Healthcare that the Customer configuration does not allow (see p. 6).*

Note UHC has no control over how a merchant programs their POS devices or how they assign items to IIAS categories.

If a member does have a question about a declined transaction, they should call the number on the back of card and triage via customer service.

If for any reason a member has met all the above criteria and still has an unresolved issue, the member should contact their employer and the employer can notify theFSA/HRA Account Manager to resolve.

Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group.