You will automatically receive a debit card from Cigna for your Health Care Spending Account if you do not participate in the JPMorgan Chase Medical Plan. This card maintains your Health Care Spending Account balance and can be used to pay for eligible expenses at the point of purchase. By using the card, you minimize the need to file claims and wait for reimbursement.

At the point of service, you may use your debit card to pay the provider directly, or you may pay out-of-pocket and then submit the Health Care Spending Account Claim Form to request reimbursement from your Health Care Spending Account (see "Paper Reimbursement Claims"). You should keep your receipt in case you are asked to substantiate your expense; see "Debit Card General Information."