FSA/HSA/HRA

FSA/HSA/HRA

Increase enrollment in your pre-tax healthcare programs by providing your employees with convenient, reliable access to their funds. We offer several solutions that enable qualified expenses to be paid from pre-tax advantaged accounts including Flexible Spending Account (FSA) cards, Health Savings Account (HSA) cards and Health Reimbursement Arrangement (HRA) cards.

90% of healthcare organizations reported a data breach.

40% of consumers report that they have been victimized by personal data theft.

Mastercard healthcare cards deliver three unparalleled primary advantages:

Security

Medical ID Theft Protection

Mastercard is the only payment brand which provides U.S. cardholders with an array of services — at no extra cost — to help them detect and resolve identity theft. To bring you Medical ID Theft Protection, Mastercard has partnered with CSID®, an industry leader in identity protection and fraud detection solutions.

Safety

Zero Liability

With Zero Liability promise, employes can purchase with confidence, no matter how they use their card, knowing they will not be held liable for any purchases they did not make — by the bank or credit union that issued the card.

Speed

Mastercard Send™

Employers and Third-Party Administrators are able to reimburse employees electronically in near real-time (using the employee’s personal debit card) – offering a safer and more secure reimbursement method while greatly reducing checks, ACH, even petty cash.*

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By selecting Mastercard for your consumer directed card program, you, as an employer, also gain access to all that Mastercard has to offer.

Mastercard Wellness® Program Insights

Increase employee participation in wellness programs
Mastercard’s wellness algorithm can help employers segment their workforce and develop more targeted wellness and incentive programs. Additionally, a 2014 Mastercard consumer wellness study provides insight on what motivates employees to engage in wellness programs.

Mastercard Advisors®

Leverage Mastercard Advisors’ insights based on analysis of healthcare transaction data
Employers or their benefits TPAs can use these insights to assist in understanding, retaining, and growing their customer base. Engagements have included consumer segmentation analysis, marketing campaign effectiveness, benchmarking of healthcare portfolios, and platform competitiveness analysis.

Identity Theft Resolution Services

Provides cardholders with access to a number of services including 24/7 access to certified resolution specialists, credit bureau notification, an ID Theft Affidavit, credit, debit and/or charge card replacement requests, educational materials on how to help avoid further occurrences, and an ID Theft Resolution Kit. Additionally, Wallet Protection Service provides cardholders with a means for reporting the theft of their cards and or documents, to a 24-hour provider, who can help lock out all reported cards. In case the issuer needs to speak directly to the cardholder, the provider will conference in with the issuer, in order to cancel their cards.

Mastercard Global Emergency Services

Provides 24 hours a day, seven days a week customer service assistance with Lost and Stolen Card Reporting, Emergency Card Replacement, Emergency Cash Advance, as well as assistance with locating ATMs and help with account-related questions.

Tips to Prevent Identity Theft & Fraud

Only carry essential documents with you.

When ordering new checks, pick up your checks at the bank instead of having them sent to your home. This makes it harder for your checks to be stolen, altered and cashed by identity thieves.

Keep new checks out of the mail.

Avoid carrying extra credit cards, your Social Security card, birth certificate or passport with you outside the house and keep these items secured.

Be careful when giving out personal information over the phone.

  • Identity thieves may call, posing as banks or government agencies. To prevent identity theft, do not give out personal information over the phone unless you initiated the call.
  • Register your phone number with the National Do Not Call Registry to avoid all calls from telemarketers trying to get your information over the phone. Visit www.donotcall.gov.

Your trash is their treasure.

Shred your receipts, credit card offers, bank statements, returned checks and any other sensitive information before throwing it away.

Make sure others are keeping you safe.

Ensure that your employer, landlord and anyone else with access to your personal information keeps your records safe.

Stay on top of your credit.

The three nationwide credit reporting agencies have set up a central website through which you can order your free annual credit report. Visit www.annualcreditreport.com to request a free copy of your credit report every 12 months from each credit reporting agency.

Protect your Social Security Number.

Only a few organizations such as motor vehicle departments, tax departments and welfare departments have the right to require your Social Security Number. In addition, employers, banks and other financial institutions that necessitate tax transactions can require your Social Security Number, but for all other accounts, ask if they will accept an alternative proof of identification.

Follow your credit card billing cycles closely.

Identity thieves can start by changing your billing address. Making sure you receive your credit card bill every month is an easy way to prevent identity theft.

Keep a list of account numbers, expiration dates and telephone numbers filed away.

If your wallet is stolen, being able to quickly alert your creditors is key to prevent others from using your personal information or bank and credit cards.

Create passwords or PIN numbers out of a random mix of letters and numbers.

Creating unique passwords makes it harder for identity thieves to discover these codes.

Protect your identity online and be wary of email schemes.

  • Be aware of any information that you, your friends, family, and organizations you are associated with post online. Any personally identifiable information about you online like date of birth or mother’s maiden name may be used for identity theft.
  • Be aware of suspicious “phishing” email requests and never send information such as your Social Security information, credit card number or User ID/Password information through an email.

Give your mailbox a makeover.

  • Junk Mail Opt-Out: Every pre-approved offer you receive in the mail is an invitation for someone to open a credit line in your name, so limit the amount of unwanted mail you receive. The best way to do that is to contact the Direct Marketing Association’s Mail Preference Service.
  • Online: Visit and register at www.dmachoice.org
  • By mail: Download this form* and send a $1 check or money order payable to the DMA at:
    DMA Choice
    PO Box 643
    Carmel, NY 10512
  • Follow these helpful tips to keep your identity protected from theft and fraud.
    *https://www.dmachoice.org/static/pdf/registration_form.pdf

* If offered by your program manager or TPA
Ponemon Institute "Fifth Annual Study on Medical Identity Theft", May 2015
AP-GfK Poll: “Breaches not changing people’s habits”, January 2014