Alerus Health Benefits Card and Payment Options

(NOTE: This does not apply to HSA accounts.)

• Do not use the Alerus Health Benefits Card to pay for expenses in a previous plan year. The card is only linked to your current plan year balance. Submit prior year expenses for reimbursement through the mobile app or online.
• Only use the Alerus Health Benefits Card to pay for eligible expenses; ineligible transactions require repayment.
• Using the Alerus Health Benefits Card is optional — mobile and online claims can still be submitted at any time.

Transaction Dispute Form

If you have a Dependent Care, Health/Limited Purpose FSA, or a Parking/Transit benefit, IRS rules require all debit transactions to be substantiated. In some cases, you will be required to send in the documentation for a debit card swipe after it occurs.

Transactions that recur in the same amount at the same merchant will only require documentation the first time in a given plan year. If the card swipe is for your Health Savings Account (HSA) simply save your receipts for your tax records.

If your expense cannot be auto-substantiated, Alerus sends the cardholder a letter/email requesting documentation. This documentation is usually a receipt for the product or service, which can be sent online or through the mobile app. Receipts can also be mailed or faxed.

1. Provider of service
2. Date of service
3. Type of service or items purchased
4. Amount you are responsible for paying

Acceptable Documentation Examples

• EOB (explanation of benefits)
• Detailed, itemized receipts
• Detailed invoices

Unacceptable Documentation Examples

• Provider statement that only indicates the amount paid, balance forward, or previous balance
• Credit card receipt
• Missing or vague medical practitioner’s note
• Bills for prepaid
• Estimation of insurance

(Note: This does not apply to HSA accounts.)
Day 1: Debit card transaction processed/auto-substantiation applied — if auto-substantiated, no further action is needed; if not, the 1st documentation reminder will be sent to you.
Day 30: 2nd reminder sent to you.
Day 90: 3rd and a final reminder sent to you; your debit card will be turned off until a receipt is provided.

You can sign up for direct deposit instead of receiving a reimbursement check. Under your profile name, select Banking/Cards. Add your banking information under Bank Accounts. You can also update your notification preferences so you will always be in the know when your payment will be received. Go to the Message Center, then select Update Notification Preferences. If applicable, you can continue to use your debit card where permitted.