Active HRA Debit Card


The Board of Trustees is pleased to offer a Visa debit card to all Active members with an Active HRA balance.  Your card works a lot like a debit card.  Pipefitters Local 597 will deposit your Employer HRA contributions into your HRA account monthly.  Once those funds have been applied to your account, they are available for your use on Eligible Expenses by swiping your debit card in person, or by entering your card information online. 


We hope the FAQ’s below will help you more efficiently use your card.  If you have any additional questions, please call the Fund Office at (312) 633-0597 Monday through Friday from 7am – 3:30pm.


How do I access information about my debit card and HRA account and to register your account?


How is money added to the HRA account?  

Pipefitters Local 597 Welfare Fund deposits employer HRA contributions into your HRA account monthly. Once those funds are issued, they’re available for you to use on Eligible Expenses.

How do I use my Debit Card?

You can swipe your debit card in person or enter your card information online to pay for Eligible Expenses. To be an Eligible Expense, the expense must be a “qualified medical expense” under Section 213(d) of the Internal Revenue Code.

IMPORTANT NOTE: Use your debit card at a Doctor’s office/Hospital only AFTER your claim has been submitted and paid through insurance so the amount of the swipe is correct. **If the provider swipes ahead of time and you don’t owe the balance swiped, it will be your responsibility to reimburse the Fund Office for any amount that cannot be substantiated**.

Can I reimburse myself for a bill?

If you have a bill that you paid and would like to get reimbursed, please do the following:

  • “Reimburse Myself” click and follow prompts.
  • “Receipts” – Upload Valid Documentation.
  • You must upload either an Explanation of Benefits (EOB) or an itemized bill with the Patient Name – Date of Service – Services Provided – Total Charged Amount and a Paid Receipt. **We cannot accept balance due bills, and these will be pended for the itemized bill**.
  • Once uploaded, allow 30 days for processing, if approved you’ll receive a paper check in the mail.  If we need additional information, you will receive either an email or letter in the mail.

If the Fund Office can’t substantiate your Debit Card Swipe or Uploaded Documents

You will receive a “Request For More Information” (RMI) Letter

  • RMI letters will be mailed to you if we cannot match your claims on file to the transaction.

How do I submit proof once receiving an RMI?

  • Login into your WEX account using the link in the letter.

  • View the “Tasks” tab.
  • Click the link and upload your EOB or Itemized Bill for each claim requiring action.
  • We follow the IRS regulations and need proof of payment so we can document that the payment was for an Eligible Medical Expense.

What if I never upload documents after receiving an RMI?

  • Your card will be suspended and put on hold until documentation has been submitted AND approved by the Fund office.  If you do not complete the necessary steps by the end of the year you will receive a 1099MISC tax document next year and you will need to pay Federal tax on the amount outstanding.


For the most recent information about Eligible Expenses from the IRS, please click here to see IRS Publication 502.  A detailed list of Eligible Expenses starts on page 5.