P&A Debit Card Documentation FAQ

When you use your P&A Benefits Card, you may receive a request to submit additional documentation of your expense.  There are several reasons you may receive this request.  For example, you may receive this request in order to confirm the purchase you made with your P&A Benefits Card is an eligible plan expense under IRS regulations.

The following types of documentation are acceptable and will satisfy the documentation requirement:

Explanation of Benefits (EOB) – an EOB is provided from your insurance company and is the best type of documentation you can submit.

An Itemized Invoice– your invoice must show the following in order to be accepted:

• Date(s) of service
• Product/service rendered
• Provider’s name
• Amount paid
• Amount covered by insurance (if applicable)

The following types of documentation will be rejected, and you will be asked to provide sufficient documentation (see above question for examples of acceptable documentation):

Cash Register Receipt/Charge Slips – simple receipts do not provide enough detail to verify if your expense is eligible.

Invoices with Pending Insurance, Estimated Insurance or Pre-Estimate – these types of invoices are not permitted because they do not contain confirmation of the expense.

When submitting your documentation, please note itemized invoices or EOBs that are submitted as estimates (before the services have been rendered) will be denied. Per IRS regulations, you cannot prepay for services in advance.  The services must be within the plan year you are enrolled in.

If you receive a request for documentation, you will need to provide proper documentation to P&A to verify your eligible expense.  You can upload your documentation by logging into your account or through P&A’s mobile app. When you log into your account, select “Upload Claim/Documentation” under Member Tools.  Then, select “Debit Card Documentation” and follow the prompts on your screen. You can also fax/mail documentation if you prefer.

Fax:  (877) 855-7117 |Mail:  6400 Main Street, Suite 210 Williamsville, NY 14221

If you do not provide the requested documentation, your account could be temporarily deactivated.