Communication: myResourceCard^® is a consumer credit card that employees can use at any of the millions of locations across the country that accept MasterCard^® Credit Cards. The card eliminates out-of-pocket expenses by replacing the need to write a check or pay with cash. Employees also have 24/7 access to account information through a secure web portal, www.myrsc.com.

Administration: The credit card is a separate account owned by the individual. Administration is involved only after the employee has submitted a claim. There is no need to review every single card transaction. Administration is made simple through the inter-operability of both the credit card system and the plan administration software.

The employee submits claims in one of the following ways:

1. Manually (as performed currently);
2. Through the interconnectivity of the card transactions that match the Auto-Substantiation parameters established by IRS Revenue Ruling 2003-43; 
3. Automatically through the import of EOB (Explanation of Benefit) data and/or prescription claims from a PBM.

The plan service provider reviews the claim (received manually or electronically), determines the reimbursable amount, and prepares the reimbursement by first applying payment to the credit card account and then directly reimbursing the employee via check or direct deposit.

Implementation: myResourceCard^® is a completely voluntary program for the employee. Employees are provided an enrollment form with all the information they need to get started. They complete the enrollment form, and the cards are mailed to their home address. When they receive the card, they are free to use it as they choose at millions of locations across the country.