HSA Card Purchases - FAQ

What can I purchase with my card?

Use your HSA debit card to pay for qualified medical expenses. It should only be used at healthcare-related locations.

What happens if my healthcare provider does not accept debit cards?

You'll need to use another payment method (cash, check or credit card); reimbursement is available with UMB’s online repayment tool. You may need to wait until you receive your Explanation of Benefits (EOB) from your insurance company before you pay your provider. In these instances, you can also use UMB’s online bill-pay service. Upon your direction, UMB will send a check directly to your provider.

Can I use my HSA card to buy healthcare-related items from Internet merchants?

Yes, as long as your purchases are for qualified medical expenses. The Coronavirus Aid, Relief and Economic Security (CARES) Act greatly increased the number of products that can be purchased or reimbursed with an HSA. You can use your HSA funds to purchase prescription medications, as well as many over-the-counter medications without a prescription, such as pain relievers, cough syrup, heartburn medications, allergy relief, sleep aids, and more. You can also for the first time use your funds for feminine care products.

What if my card doesn't work at the point of sale or the cashier tells me my transaction has been declined?

You may have to use another form of payment. The decline may be due to the following reasons:

• Your purchase wasn't considered a qualified medical expense under your HSA plan.
• Your HSA balance was too low to cover the transaction. 

What if I don't have enough funds in my HSA to cover the qualified medical purchases I want to make?

Your transaction will be denied if there are insufficient funds in your account. You can either use a different payment method, or use your health savings account card to pay for part of the transaction with the funds remaining in your account and pay for the balance using a different payment method.

Do I need to save my itemized receipts?

Yes. Always retain your itemized receipts and prescriptions for over-the-counter medications as proof of your qualified medical purchases. You will need them if the IRS requests documentation to verify that the funds in your HSA were used only for qualified medical expenses.