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What is a Cash Pay Card?
A: A digital credit card that allows members to pay providers upfront with funds from their health plan—typically resulting in $0 out-of-pocket cost to the member.
How does a member receive their Cash Pay Card?
A: Once a card is approved in the portal, a care coordinator shares the card securely via text, email, phone, or apps like Spruce. Members can also access their card directly through the portal.
What should members tell the provider when using the card?
A: They should not show their insurance ID. They are a cash pay patient by choice.
What’s the max that can be charged on a Cash Pay Card?
A: While there is no limit, the max per swipe is $10,000. For amounts over that, multiple swipes on the same card can be used.
Are receipts required after using a Cash Pay Card?
A: Yes. A receipt must be uploaded for every transaction.
What happens if the member doesn't upload a receipt?
A: Failure to upload receipts may limit the member’s future access to Cash Pay Cards.
Who can upload the receipt?
A: Either the member or the Care Coordinator can upload it to the portal.
What if the provider can't give an itemized receipt right away?
A: A regular credit card receipt is fine temporarily. The itemized version must be submitted later.
Can a canceled card be reactivated?
A: No. Once canceled, a card can’t be reused. A new one must be requested.
What happens if a transaction fails or voids?
A: Common reasons include incorrect info entered by the provider, insufficient card funds, or lack of claims fund balance. Check these before following-up and requesting a new card.
Can members access the portal to view or upload receipts?
A: Yes, as long as an email or phone number is on file, they can receive a link to log in and manage receipts.
How do I set up email or SMS notifications for members?
A: When creating a card, you can toggle on notifications if contact info is on file. These alerts remind members to upload receipts.
What happens if a card is used for an unauthorized use?
A: The transaction will be flagged. The employer may recover the cost from the member (e.g., via payroll deduction).
What are the age rules for Cash Pay Cards?
A: Cash Pay Cards can be used for members on the plan. However, can’t be issued in the name of anyone under 14. Use the name of the subscriber, spouse, or responsible adult dependent when creating a cards for someone under 14.