The Discovery Benefits Debit Card –
A Quick, Easy Way to Pay

Looking for a faster way to pay for eligible expenses? Your Discovery Benefits debit card is the answer. You can pay for and verify your purchase in just two steps. 

Step 1: Pay with your Discovery Benefits debit card
Use your debit card for one simple payment. Payments for eligible expenses are automatically withdrawn from your reimbursement account, so there aren't any out-of-pocket costs.

Step 2: Verify–or substantiate–your purchase

Substantiation is required by the IRS. Some merchants can provide all the IRS-required information right at the point of sale, through an Inventory Information Approval System. Find a pharmacy or store with a system or find a location that meets the IRS's 90% rule.

Helpful Hints

  • In some cases, a medical necessity form might be required. This will happen when the expense is considered a medical expense or a personal use item. Take a look at this video to learn more about providing receipts for debit card expenses.
  • Remember to hang on to receipts in case you're asked for verification later (even if you're using your debit card for an HSA purchase).
  • Don't use the card for amounts that still need to be processed by insurance, such as deductibles and coinsurance. When you receive the final statement from your provider showing insurance has paid, write your Discovery Benefits debit card number on the statement and mail it to your provider.

Looking for additional debit cards?
You'll receive one card when you enroll. You can get additional cards for your spouse and any dependents 18 years of age or older for free. Request additional cards through your online account