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Health Plan Debit Card

As a participant in the Health Care Fund, you will receive one VISA debit card to pay for your monthly premiums (if eligible by your health plan), and eligible out-of-pocket medical expenses.

This card is issued by Bancorp Bank and will be mailed to you within 7-10 business days following your acceptance into the program.

To activate your card, you will need your Fund ID. Your member ID is your CCPU Health Care Reimbursement Fund ID. You should wait one business day after activation before using your card.

CCPU Health Fund Debit Card

As a participant in the Health Care Fund, you will receive one VISA debit card to pay for your monthly premiums (if eligible by your health plan), and eligible out-of-pocket medical expenses.

This card is issued by Bancorp Bank and will be mailed to you within 7-10 business days following your acceptance into the program.

To activate your card, you will need your Fund ID. Your member ID is your CCPU Health Care Reimbursement Fund ID. You should wait one business day after activation before using your card.

Using your debit card

Use your debit card for monthly premiums (see exceptions below), out-of-pocket expenses, and permissible health expenses, when applicable. These expenses include the deductible on your approved medical health plan, copays, and coinsurance expenses, including covered prescriptions.

Exceptions:

If you are on Medi-Cal or both Medi-Cal and Medicare, also known as a Medi-Medi Plan, you are not eligible for premium reimbursement.
If your family is included on your medical health insurance policy, you may still use the debit card for out-of-pocket expenses, but not for premium payments. You will need to submit a Request for Reimbursement Form to [email protected] for payment of your individual premium.

For out-of-pocket expenses, debit cards may be used at medical and pharmacy facilities.

For permissible health expenses, debit cards may be used at medical and pharmacy facilities, as well as wholesale clubs, discount stores, department stores, retail food stores and supermarkets.

Debit cards will not be accepted at locations that do not offer eligible goods and services, such as hardware stores, restaurants, bookstores, gas stations and home improvement stores.

View your debit card account balance

You should always review your account balance before making a purchase with your card.

Log in to the CCPU Health Portal
Select “Reimbursement” (Note: This button will only display for Providers who have been approved.)

If you have questions about using your debit card, call customer service at (833) 714-6028 or email [email protected].

Save your receipts

You will be required to submit proof of all your eligible expenses for both card swipes and paper form requests for reimbursements, so be sure to keep all your Explanation of Benefits (EOBs) and itemized receipts. Each receipt must show: the merchant or provider name, the service received or the item purchased, the date, and the amount of the purchase.

If receipts are not submitted as requested to verify a charge made with the debit card, then the card may be suspended until receipts are received. You may be required to repay the amount charged.

Submit a Receipt

Debit Card FAQs

How does the debit card work?

Your CCPU Health Care Fund debit card works just like a regular debit card, except:

Your card is limited in use, meaning you can only use it for covered medical expenses based on your health plan.
You can’t use your card at an ATM or to get cash back when making a purchase.
You will not receive monthly bills and you will not accrue interest.

Will I receive a new debit card each year?

No, you will not receive a new card each year. If you meet the eligibility requirements for the following plan year and you used the payment card in the current plan year, simply keep using the same debit card.

What if the debit card is lost or stolen?

Call customer service at (833) 714-6028 or email at [email protected] to report a lost or stolen card and request a replacement. Please note that you will not be charged for your initial replacement card, but there will be a $10 fee for any subsequent card replacements.

What dollar amount is on the debit card when it is activated?

The dollar amounts vary based on your health plan. There are two separate accounts on your debit card: one for paying your premiums, if applicable, and one for covered out-of-pocket expenses.

It is important to keep track of your account balance to avoid debit card declines at point of service.

Medi-Cal

You will not be eligible for premium and out-of-pocket expense reimbursements but will have money available in your account to be used for permissible health expenses. The funds will roll over to the next month if unused but will reset at the end of the plan year.

Medi-Cal and Medicare (Medi-Medi Plan)

You will not be eligible for premium reimbursement but will have two separate accounts on your debit card: one for paying for covered out-of-pocket expenses and one for permissible health expenses.

If asked, should I select “Debit” or “Credit”?

If you have elected to use a PIN (Personal Identification Number) with your debit card, you should select “Debit” and enter the PIN when prompted. If you are not using a PIN with your debit card, you should select “Credit.” You will be asked to sign for the debit card purchase. As a reminder, you can’t get cash back with this debit card.

What if I am asked for the CVV when paying for the balance due or when placing an order by phone or online? What is this and where is it found?

CVV stands for “Card Verification Value.” It is a 3-digit number that can be found on the back of your card to the right of the signature panel.

What if I have an expense that is more than the amount left in my account?

If you have an expenses that is more than the amount left in your account, you may be able to split the cost at the register. Ask the merchant if you can use your debit card for the exact amount available in your account and then pay for the remaining balance with a different payment method.

What are some reasons that the debit card might not work at point of sale?

The most common reasons why a payment card may be declined at the point of sale are:

The card has not been activated.
The card has been used before the 24-hour period after activation is over.
You have insufficient funds in your account to cover the expense.
Non-eligible expenses have been included at the point-of-sale. (Retry the transaction with the eligible expense only.)
The merchant is encountering problems (e.g., coding or swipe box issues).
The point-of-sale location cannot verify eligible items at checkout.

Need to Submit a Receipt?

It’s easy when you use the CCPU Health Portal. Just log in and click on the Reimbursement button. Once you have logged in, you can submit your eligible health care expenses for reimbursement.

Questions? Contact CCPU Health Customer Service at (833) 714-6028 or email [email protected].

Submit a Receipt

Am I eligible for CCPU Heathcare Reimbursement Fund benefits?

Answer these simple questions to determine your potential program eligibility.

Get Started

By signing up, you agree to our privacy policy and terms of use.

To complete your application online, you’ll need proof of coverage for your health plan (a document showing your name as the policyholder, the name of your insurance plan, the coverage period, and the amount you pay for coverage).

If you don’t have an account for the CCPU Health Care Fund portal, you can sign up now with your email address and mobile phone number.

Complete Your Application

Questions? Call (833) 714-6028 or email [email protected].