The CONEXIS Elite Benefit Card

The Easy Way to HRA

The CONEXIS Elite Visa® Benefit Card makes using your HRA a cinch. Your card gives you instant access to your HRA funds to pay for eligible expenses.

  • No paying out of your pocket
  • No submitting claims
  • No waiting for a reimbursement check
  • No more hassle

Card Advantages

Accessing your HRA funds couldn’t be any easier. You’ll find that your benefit card has several advantages, such as:

  • Easy to use — just swipe and go! (But be sure to keep your receipts!)
  • Instant payment of your expense
  • Works at most health care-related merchants where Visa is accepted
  • Reduces your paperwork

Using Your Benefit Card

Your benefit card can be used at thousands of locations nationwide. It lets you pay for qualified medical expenses at health care providers that have a heath care-related merchant category code.

  • Doctors
  • Dentists
  • Vision care offices
  • Hospitals
  • Other health care providers

You can also use your card at merchants that utilize an Inventory Information Approval System (IIAS). These merchants are known as IIAS merchants.

  • Grocery stores
  • Discount stores
  • Pharmacies

Common Card Purchases

  • Doctor and dentist co-pays
  • Vision exams, contact lenses, and eyeglasses
  • Dental cleanings, X-rays, and orthodontia
  • Physical therapy, chiropractic, and acupuncture services
  • Prescription drugs
  • Over-the-counter health care-related items

See more examples on our Eligible HRA Expenses page.

Important: To find out the specific eligible expenses for your HRA plan, review your employer’s Summary Plan Description (SPD).

Special IRS rules apply to over-the-counter medicines. OTC medicines require a written or electronic doctor’s prescription to be an eligible HRA expense. Your card can be used to purchase OTC medicines only if you present the OTC prescription to a pharmacist and an Rx number is assigned — just like having a prescription filled.

Keep Your Receipts

Save all of your HRA receipts and other supporting documentation. IRS rules require us to verify the eligibility of purchases made with your benefit card — known as transactions. You may receive a CONEXIS notice asking you to verify a transaction.

Learn more about verifying a transaction on our Card User Guidelines page.

Helpful Online Resources

Stay in tune with your card activity and HRA with your online account. Log in and find many handy HRA resources.

  • Sign up for Real-time Alerts — messages about your card activity
  • View real-time account balance, card activity, notifications, and claims status
  • Use our interactive form and upload documentation to resolve outstanding card transactions
  • Make a real-time online payment
  • Order additional cards for your dependents
  • Report a lost or stolen card

The CONEXIS Elite Benefit Card is issued by UMB Bank, n.a. pursuant to a license from Visa U.S.A. Inc.


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