Accessing Funds

Option 1: Debit Card

Rocky Mountain Reserve offers qualifying participants the option of using a benefits card to pay for qualifying medical expenses. Using the benefits card has a ton of benefits:

  • Easy to use- the Benefits Card is a stored-value card that simplifies the process of paying for qualified expenses.

  • Works at most healthcare-related merchants where MasterCard is accepted.

  • You spend only the pre-tax dollars in your healthcare FSA.

  • It pays directly at the point of sale - No waiting for reimbursement!

  • You can use it to pay for online mail-order prescriptions.

No Receipt Retailers

When you use your benefits card at an eligible merchant that has installed an inventory information approval system (IIAS), there will not be a need to substantiate the transaction with a receipt. IIAS ensures that you can only use the card for eligible items, and does away with the need to submit receipts* for verification after the purchase because the item has been verified at the check-out counter. Hundreds of retailers have installed this system and many more are joining all the time. Click here (This link will direct you to a new website, on the right-hand side of the site you will see a link titled "IIAS Merchant PDF") for the latest list. Please note: the debit card cannot be used to pay for over-the-counter drugs. Below is a sample of some of the retailers who have installed the IIAS system:

  • 1-800 Contacts

  • Albertsons

  • City Market

  • Costco

  • CVS


  • King Soopers

  • Kroger

  • Rite Aid

  • Safeway

  • Sam’s Club

  • Target

  • Walgreens

  • Wal-Mart


*It is recommended that participants retain a copy of all receipts for their own records

Save All Receipts For Purchases Made With A Benefits Card

Please remember to keep receipts for all purchases made with the Benefits Card. Per IRS regulations, Rocky Mountain Reserve may be required to request itemized receipts to verify the eligibility of purchases made with the card.

  • All receipts or other proofs of purchase must include the date of service, name of the provider, dollar amount, and a description of the purchased service or product.

  • Any receipt that does not contain the detailed information described above is not acceptable. Credit card receipts and canceled checks are not acceptable.

  • If the requested receipt is lost or otherwise unavailable, most providers can provide a detailed statement documenting FSA eligible purchases. Explanation of Benefits (EOB’s) is recommended receipts. 

  • We will have to request a receipt UNLESS the transaction matches a co-payment, a previously approved repetitive expense, or was at a merchant that has installed the Inventory Information Approval System (IIAS) referenced above.

  • If a receipt is requested, Rocky Mountain Reserve will email a request within hours. Participants can mail, fax, email, or upload the receipt online.

Option 2: Reimbursement

In the event that you are purchasing qualified items but the retailer from whom you are making the purchase is not an authorized retailer, you can still have access to your funds. You simply will pay for the item out-of-pocket, and submit a claim for reimbursement. Submitting a claim for reimbursement is quick and easy. Simply fill out our claim form, and send it in to us with any associated receipts from your purchase. You can send your claim via your account or email, fax, or mail. Click here to learn more about claim submission.


There are two options for being reimbursed for out-of-pocket expenses. 

  • Check - If we do not have your direct deposit authorization on file, we will default to reimbursement via check. The check will be sent to the address that we receive from your employer.

  • Direct Deposit - You have the option of authorizing Rocky Mountain Reserve to reimburse you via direct deposit. Click here to find a direct deposit form. Send this form in to us via email, mail, or fax. Click here for our contact information. 

Phone: (888) 722-1223

M-F 8:00 AM - 5:00 PM MST

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