P&A Group FAQs for Participants

Top view of man holding note pad with question mark on it while standing on the wooden floor

Do you have a lingering question about how to manage your P&A account?  We researched the most commonly asked participant questions and created a P&A FAQ guide for account holders.  Below are the top five participant FAQs.


1.  How do I log into my P&A account?

Log into your P&A account at www.padmin.com.  Under the Login box, select “Participant” under user type and select “Reimbursement Accounts” under account type.  From there, enter your username and password.  If it’s your first time logging in, click the first time logging in link.

You can also download the P&A MyBenefits mobile app.


2.  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 account balance, total of claims submitted and total of claims paid.  You can also easily check your account by text message.  To receive account balance by text:

  1. Make sure your mobile number is updated in your MyBenefits profile.  You can update your profile when you log into your account and go to “Profile.”
  2. After you update your profile with your mobile number, text BAL to the number (716) 869-1703 on your phone.
  3. Receive a text message with your account balance.


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

Claims 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.  Additional documentation 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 supporting documentation to P&A Group when you log into your account at www.padmin.com.  You can also submit supporting documentation by fax or mail with a copy of your claim form.

Fax:  (716) 855-7105 | Mail:  6400 Main Street, Suite 210 Williamsville, NY 14221

Important Note:  please make sure to mark the claim type as “response to claim denial.”

To make a formal appeal to a denied claim, please reference the instructions provided in the denial letter you received from P&A Group.


4.  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?

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.  P&A will send you a letter asking you to provide supporting documentation of your expense, such as an Explanation of Benefits (EOB).  You will receive up to 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.


5.  How do I order additional Benefits Cards?

You can order additional Benefits Cards at no cost for you, your spouse or eligible dependents by logging into your P&A account at www.padmin.com from your mobile device.  Under Forms, click “Benefits Card” and complete the request.  You can also log into your account from the MyBenefits App.  Under “Cards” select “Request Additional Card.”  Account holders can also report a card as lost or stolen and order a new card.  Benefits cards take approximately 7-10 business days to be mailed once your request is received.


P&A Group Participant Support Center

P&A’s expert benefit professionals are here to answer any questions you have.  For additional questions, contact P&A’s Participant Support Center Monday – Friday, 8:30 a.m. – 10:00 p.m. ET by phone at (716) 852-2611 or through online webchat at padmin.com.

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