Your Most Frequently Asked Questions, Answered

Searching for answers.

Do you have a lingering question about how to manage your P&A plan?  We researched the most commonly asked participant questions and put together a Q&A guide.  Below are the top five most frequently asked questions participants ask us.

  1. How do I log into my P&A Account?

From a computer or tablet:


Go to and click the blue Login button at the top of the page.  Select Employees from the drop down menu, then enter your username and password in the My Benefits Account Login box.  If you’re a first time user, click the first time user link to set up a username and password.

From your smartphone/mobile device:

Go to to access our mobile site.  Select the blue Account Login icon.  From the drop down menu, choose My Benefits Account Login.  Enter your username and password and choose Submit.  If this is your first time logging in, click Register for Access to setup your login credentials.

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  1. How do I check my account balance?

When you log into your account online, a summary of your P&A plan(s) will appear with all of your plan information including balance, total of claims submitted and total of claims paid.  You can also easily check your account via text message.  After you’ve updated your profile with your mobile number, you can text BAL to the number 70626 on your phone. You’ll receive an instant text message with your account balance.

  1. I submitted a claim to P&A Group but it was denied. What do I need to do?

Your claim may be denied if you did not provide sufficient documentation of your expense to identify the item/service as eligible for reimbursement under IRS guidelines.  In this case, you will receive a notification from P&A Group asking for additional documentation to be submitted with your claim.  This may include an Explanation of Benefits (EOB), itemized receipt, or Letter of Medical Necessity Form.  (The Letter of Medical Necessity Form needs to be signed by your healthcare provider. This form identifies a specific item or service that is not usually identified as an eligible expense unless stated to be “medically necessary” by your doctor.)  You can upload this supporting documentation to P&A Group when you log into your account at  Under Claim Type, please make sure to select “Response to Claim Denial.”  You can also remit supporting documentation to P&A Group via fax or mail with a copy of your claim form.  Important:  please make sure to mark the claim type as “response to claim denial.”

  1. I used my Benefits Card and subsequently received a letter in the mail requesting I provide additional documentation. Why did this happen and what do I need to do? Paying with credit card

From time to time you may be requested to provide supporting documentation of your purchase to ensure that the item/service you paid for with your Benefits Card is an eligible expense under IRS guidelines. These requests are generated from a flag that occurs when your Benefits Card is used.  A letter will be sent to you from P&A Group asking you to provide supporting documentation of your expense, such as an Explanation of Benefits (EOB) or itemized receipt. P&A Group will send you three letters requesting supporting documentation. If we haven’t received the requested documentation after the third letter, your Benefits Card will be temporarily suspended until you remit a copy of the documentation. Upon receipt and review of your documentation, your Benefits Card will be turned on again.

  1. How do I order additional Benefits Card for me or my family members?


Additional Benefits Cards can be ordered at no cost for you, your spouse or eligible dependents by logging into your P&A account at  You can also report your card as lost or stolen and order a new card.  Benefits cards take 7-10 business days to be mailed once your request is received.


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