consumer Employer SBEC/FBD EE Access

Featuring The Benny™ Prepaid Benefits Card


PO Box 800518
Houston, TX

Phone: (713) 460-FLEX (3539)
Toll-Free: (888) 732-8125
Fax: (713) 460-3550

Where Can I Use My Benny Card?

If your Plan allows over-the-counter (OTC) medications, see the new Health Care Reform section
on the Home Page. Containers and copies thereof are not accepted.

Important information and IRS requirements regarding Flex Debit Cards

Inventory Information Approval System (IIAS)

IRS Regulatory Background
The revenue ruling 2006-69 expanded the scope of 2004 ruling guidance and officially sanctions the use of merchant based substantiation, an Inventory Information Approval System (IIAS). It also reaffirms the use of debit cards to healthcare related MCC unless the merchant is using an IIAS. The transition relief granted in the ruling 2006-69 gave merchants more time to implement IIAS systems. The dates were:
1/1/2008 Benefits debit cards can not be used at these MCCs unless the merchant is using IIAS:
  • Grocery stores (5411)
  • Discount Stores (5310)
  • Warehouse Clubs (5300)
  • Convenience Stores (5499)
  • Miscellaneous General Merchandise (5399)
  • Discount Goods – Wholesale Clubs (5813)
7/1/2009   Benefits debit cards can be used only at traditional pharmacies implementing IIAS:
  • Traditional pharmacies (MCC 5912)
  • Drug, Drugs proprietaries & Sundries (5122)

Please click on the 2 links below to see if your grocery store or pharmacy is listed, if it is not, you may not be able to use your Flex Debit Card at that provider.

IIAS Merchant List

90% Rule Merchant List

This requirement does not apply to healthcare retailers such as doctors, dentists or hospitals. Participants can continue using their BennyCard at these retailers just as they
do today.

File Your Debit Card Itemized Receipts

Debit Card Purchase Substantiation Form


Frequently Asked Questions


Q: What will the envelope look like?
The BennyCard should arrive in a marked envelope with “Do Not Throw Away” on the front. PLEASE DON’T THROW IT AWAY! Replacement cards are $10 each. Additional family cards (if requested) will be mailed separately.

Q: Can I use my card immediately?
No, the BennyCard will require activation first. See below in the Debit Card Activation and Account Information section for how to activate it.

Q: What if I don't have an email address?
You will need to file the Debit Card Purchase Substantiation Form along with the itemized receipt (not the credit card slip) each time you use your BennyCard at a non IIAS Merchant or each time you use your card for something other than one of your company's health/dental/vision co-pay amounts. Failing to do so could cause your card to be suspended.

Q: Is the Benny card a credit card?
No, but the BennyCard will be used as a CREDIT transaction – as no Personal Identification Number is associated with it

Q: Can I use it to pay off an old balance?
No, the BennyCard is to be used at the point of sale. You are not to pay off an old balance or pay for future expenses. Doing so will violate the terms of your agreement.


Q: When I use it up, do I throw it away?
No. DO NOT THROW YOUR BENNYCARD AWAY WHEN YOU HAVE EXHAUSTED YOUR FUNDS. Retain your BennyCard and next year, when you re-enroll, we will load the BennyCard with your new amount.

Q: Can I use it anywhere?
No, beginning January 1, 2008, grocery stores, supermarkets and wholesale clubs (stores with pharmacies inside) that have not installed the IRS required Inventory Information Approval System (IIAS), will not be able to accept the BennyCard. (See IIAS listing for current retailers). Pharmacy and Mail Order type merchants followed July 1, 2009.  (See 90% Rule listing for current retailers).

The BennyCard should be accepted at most health care related merchants. If not, you can still file a manual Claim for Reimbursement

Q: If my balance is below the cost of the item can I still use it?
Yes! Know the amount of funds that is on your card(s) as you “spend down” your account. If you have $8.93 left on your card(s) and your prescription is $10.00, then run the card for $8.93 and pay the difference.

Q: How do I know my employer's co-pay amounts?
Please refer to your Benefits Department for detailed information.

IRS Background

Debit Card Activation and Account Information

Activate Your Card

  • Activate your card using the IVR phone number 1 (866) 898-9795.

Access Your Account

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