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HOLDERSPUBLICATIONS
SIGIS - Special Interest Group for IIAS Standards. 111 Deerwood Rd. Ste.200. San Ramon, CA 94583. You may also contact SIGIS Help Desk at (925) 855-3228. SIGIS live operators are available between 6:30 am to 3:00 pm PST Monday - Thursday, and 6:30 am to 2:30 pmMEMBER LOGIN
Merchants: Most Frequent Reasons for Card Declines; SIGIS Member Networks; SIGIS Members POS Solution ProvidersMEMBER SERVICES
For all other comments or questions, please email SIGIS at: help@sig-is.org or you may contact a representative at (925) 855-3228. SIGIS live operators are available between 6:30 am to 3:00 pm PST Monday through Thursday and 6:30 am to 2:30 pm PST on Fridays, excluding major holidays to answers calls. If all our operators arebusy, please leave
PUBLICATIONS
Publications. There are a number of SIGIS publications that may be of interest to review. This publication provides information about the SIGIS corporate background and history. This publication provides an overview of key information relating to SIGIS and its services. This publication describes the criteria specified by the Internal Revenue SIGIS | ELIGIBLE PRODUCTS The SIGIS Eligible Product List is a list of eligible health care/medical products that qualify for purchase with an FSA or HRA payment card. The list has been reviewed and modified by the SIGIS Eligible Product List Committee, a group of benefit plan administrators, merchants, and other SIGIS Members. SIGIS | ELIGIBLE PRODUCTS The source of the SIGIS Eligible Product List includes most nationally-distributed, regular-stock items. As such, the following types of items will generally not be included: items specially created for an individual merchant (including but not limited to private label items); a local, regional, or specialty item; bonus items (e.g., 2 ounces free); BOGOS (buy one, get one), or other in-and-outRENEWAL - SIGIS
SIGIS provides email notifications and phone calls for annual memberships renewal payments. Email notices will be sent at 60 days prior, 30 days prior, due date, 30 days past due and 60 days past due. In addition, a postcard will be mailed 15 days prior, a paper invoice will be mailed at 30 days past due and a phone call will be made at 45days
SIGIS | TPS MERCHANT CERTIFICATION The IRS requires many merchants selling health care eligible products to support an Inventory Information Approval System (IIAS). The IIAS system is a combination of inventory management and point of sale systems that 1) confirm the health care eligibility of items purchased with an FSA or HRA card, 2) generate a payment transaction that contains the required IIAS information, and 3) includesMERCHANTS - SIGIS
The IRS requires many merchants selling health care eligible products to support an Inventory Information Approval System (IIAS). The IIAS system is a combination of inventory management and point of sale systems that 1) confirm the health care eligibility of items purchased with an FSA or HRA card, 2) generate a payment transaction that contains the required IIAS information, and 3) includesSTORE LOCATOR
A store locator by which consumers can find IIAS and/or 90% retail locations that support the SIGIS standards. SIGIS | THE SPECIAL INTEREST GROUP FOR IIAS STANDARDSABOUT SIGISPROGRAMSMEMBERSHIP & SERVICESELIGIBLE PRODUCTSCARDHOLDERSPUBLICATIONS
SIGIS - Special Interest Group for IIAS Standards. 111 Deerwood Rd. Ste.200. San Ramon, CA 94583. You may also contact SIGIS Help Desk at (925) 855-3228. SIGIS live operators are available between 6:30 am to 3:00 pm PST Monday - Thursday, and 6:30 am to 2:30 pmMEMBER LOGIN
Merchants: Most Frequent Reasons for Card Declines; SIGIS Member Networks; SIGIS Members POS Solution ProvidersMEMBER SERVICES
For all other comments or questions, please email SIGIS at: help@sig-is.org or you may contact a representative at (925) 855-3228. SIGIS live operators are available between 6:30 am to 3:00 pm PST Monday through Thursday and 6:30 am to 2:30 pm PST on Fridays, excluding major holidays to answers calls. If all our operators arebusy, please leave
PUBLICATIONS
Publications. There are a number of SIGIS publications that may be of interest to review. This publication provides information about the SIGIS corporate background and history. This publication provides an overview of key information relating to SIGIS and its services. This publication describes the criteria specified by the Internal Revenue SIGIS | ELIGIBLE PRODUCTS The SIGIS Eligible Product List is a list of eligible health care/medical products that qualify for purchase with an FSA or HRA payment card. The list has been reviewed and modified by the SIGIS Eligible Product List Committee, a group of benefit plan administrators, merchants, and other SIGIS Members. SIGIS | ELIGIBLE PRODUCTS The source of the SIGIS Eligible Product List includes most nationally-distributed, regular-stock items. As such, the following types of items will generally not be included: items specially created for an individual merchant (including but not limited to private label items); a local, regional, or specialty item; bonus items (e.g., 2 ounces free); BOGOS (buy one, get one), or other in-and-outRENEWAL - SIGIS
SIGIS provides email notifications and phone calls for annual memberships renewal payments. Email notices will be sent at 60 days prior, 30 days prior, due date, 30 days past due and 60 days past due. In addition, a postcard will be mailed 15 days prior, a paper invoice will be mailed at 30 days past due and a phone call will be made at 45days
SIGIS | TPS MERCHANT CERTIFICATION The IRS requires many merchants selling health care eligible products to support an Inventory Information Approval System (IIAS). The IIAS system is a combination of inventory management and point of sale systems that 1) confirm the health care eligibility of items purchased with an FSA or HRA card, 2) generate a payment transaction that contains the required IIAS information, and 3) includesMERCHANTS - SIGIS
The IRS requires many merchants selling health care eligible products to support an Inventory Information Approval System (IIAS). The IIAS system is a combination of inventory management and point of sale systems that 1) confirm the health care eligibility of items purchased with an FSA or HRA card, 2) generate a payment transaction that contains the required IIAS information, and 3) includesSTORE LOCATOR
A store locator by which consumers can find IIAS and/or 90% retail locations that support the SIGIS standards. MEMBERSHIP & SERVICES The annual membership dues are $750. Membership fees may be paid by credit card at the SIGIS website or will be invoiced for payment by check. TIER II : In addition to Tier III and IV rights, Tier II Membership grants the ability to be nominated and elected by Tier II Members to the Board of Directors. The annual membership dues are$3,750 plus
JOIN - SIGIS
It is easy to join SIGIS. There is an online Membership Application available. Review the information in the Online Instructions section to get the information that you’ll need when completing the online application. IMPORTANT: IF YOU ARE A DOCTOR’S OFFICE, CHIROPRACTOR, DENTIST, VISION CENTER OR DAY CARE FACILITY, DO NOT JOIN SIGIS.CARD HOLDERS
The Special Interest Group for IIAS Standards (SIGIS) is a non-profit corporation that is responsible for the development and management of an industry standard to meet Internal Revenue Service (IRS) requirements for usage of debit cards for a Flexible Spending Account (FSA) or Healthcare Reimbursement Account (HRA) health benefit plans.SIGIS
SIGIS | ELIGIBLE PRODUCTS The source of the SIGIS Eligible Product List includes most nationally-distributed, regular-stock items. As such, the following types of items will generally not be included: items specially created for an individual merchant (including but not limited to private label items); a local, regional, or specialty item; bonus items (e.g., 2 ounces free); BOGOS (buy one, get one), or other in-and-out SIGIS | MANUFACTURERS SIGIS membership is not required for a Manufacturer; however there may be some benefits for a Manufacturer to become a member: Manufacturer submissions to the Eligible Product List will be more comprehensive, since the whole catalog will be submitted versus only what a merchant will be carrying. Manufacturer submissions are generally timelierRENEW MEMBERSHIP
If a Member fails to renew within the required time frame and is terminated, there is a $50 membership reinstatement fee. SIGIS allows 60 days past the annual membership date for payment of fees. Please ensure that payment is received in the SIGIS office before this dateto avoid the fee.
SIGIS | ELIGIBLE PRODUCT LIST CRITERIA Glucosamine-only or main ingredient glucosamine products are eligible. Hand Sanitizers (ABHR) Purell, Nexcare, Germ-X. Alcohol Based Hand Rub (ABHR) with 60-95% alcohol - hand sanitizers with at least 60% alcohol (often listed on the label as ethanol, ethyl alcohol, isopropanol, or2-propanol).
STORE LOCATOR
A store locator by which consumers can find IIAS and/or 90% retail locations that support the SIGIS standards.FAQ - SIGIS
The IRS requires many merchants selling health care eligible products to support an Inventory Information Approval System (IIAS). The IIAS system is a combination of inventory management and point of sale systems that 1) confirm the health care eligibility of items purchased with an FSA or HRA card, 2) generate a payment transaction that contains the required IIAS information, and 3) includes SIGIS | 90% REGISTRATION Current SIGIS requirements for drug stores and pharmacies who wish to register under the 90% program are: Must become a Member of SIGIS by completing the online Membership Application and paying the appropriate annual membership fee. Completes the SIGIS, online 90% Rule Merchant Registration. SIGIS | THE SPECIAL INTEREST GROUP FOR IIAS STANDARDSABOUT SIGISPROGRAMSMEMBERSHIP & SERVICESELIGIBLE PRODUCTSCARDHOLDERSPUBLICATIONS
SIGIS - Special Interest Group for IIAS Standards. 111 Deerwood Rd. Ste.200. San Ramon, CA 94583. You may also contact SIGIS Help Desk at (925) 855-3228. SIGIS live operators are available between 6:30 am to 3:00 pm PST Monday - Thursday, and 6:30 am to 2:30 pmMEMBER LOGIN
Merchants: Most Frequent Reasons for Card Declines; SIGIS Member Networks; SIGIS Members POS Solution ProvidersMEMBER SERVICES
For all other comments or questions, please email SIGIS at: help@sig-is.org or you may contact a representative at (925) 855-3228. SIGIS live operators are available between 6:30 am to 3:00 pm PST Monday through Thursday and 6:30 am to 2:30 pm PST on Fridays, excluding major holidays to answers calls. If all our operators arebusy, please leave
SIGIS | ELIGIBLE PRODUCTS The SIGIS Eligible Product List is a list of eligible health care/medical products that qualify for purchase with an FSA or HRA payment card. The list has been reviewed and modified by the SIGIS Eligible Product List Committee, a group of benefit plan administrators, merchants, and other SIGIS Members.CARD HOLDERS
The Special Interest Group for IIAS Standards (SIGIS) is a non-profit corporation that is responsible for the development and management of an industry standard to meet Internal Revenue Service (IRS) requirements for usage of debit cards for a Flexible Spending Account (FSA) or Healthcare Reimbursement Account (HRA) health benefit plans.SIGIS
RENEWAL - SIGISSIGIS RENEWALAAA MEMBER RENEWALTEXAS IS RENEWALBOAT US MEMBER RENEWALDEA RENEWAL IS HOW OFTENHOW MUCH IS RENEWAL PASSPORT SIGIS provides email notifications and phone calls for annual memberships renewal payments. Email notices will be sent at 60 days prior, 30 days prior, due date, 30 days past due and 60 days past due. In addition, a postcard will be mailed 15 days prior, a paper invoice will be mailed at 30 days past due and a phone call will be made at 45days
SIGIS | TPS MERCHANT CERTIFICATION The IRS requires many merchants selling health care eligible products to support an Inventory Information Approval System (IIAS). The IIAS system is a combination of inventory management and point of sale systems that 1) confirm the health care eligibility of items purchased with an FSA or HRA card, 2) generate a payment transaction that contains the required IIAS information, and 3) includes FAQ - SIGISSIGIS IIASSIGIS 90 % RULESIGIS PHARMACYSIGIS REGISTRATIONSIGIS REGISTRATIONSIGIS WEBSITE San Ramon, CA 94583. You may also contact SIGIS Help Desk at (925) 855-3228. SIGIS live operators are available between 6:30 am to 3:00 pm PST Monday - Thursday, and 6:30 am to 2:30 pm PST on Fridays, excluding major holidays to answers calls. If all our operators are busy, please leave aSTORE LOCATOR
A store locator by which consumers can find IIAS and/or 90% retail locations that support the SIGIS standards. SIGIS | 90% REGISTRATIONSIGIS MERCHANTSIGIS PHARMACYSIGIS REGISTRATIONSIGIS CUSTOMER SERVICEWHAT IS SIGISACCA REGISTRATIONONLINE
Current SIGIS requirements for drug stores and pharmacies who wish to register under the 90% program are: Must become a Member of SIGIS by completing the online Membership Application and paying the appropriate annual membership fee. Completes the SIGIS, online 90% Rule Merchant Registration. SIGIS | THE SPECIAL INTEREST GROUP FOR IIAS STANDARDSABOUT SIGISPROGRAMSMEMBERSHIP & SERVICESELIGIBLE PRODUCTSCARDHOLDERSPUBLICATIONS
SIGIS - Special Interest Group for IIAS Standards. 111 Deerwood Rd. Ste.200. San Ramon, CA 94583. You may also contact SIGIS Help Desk at (925) 855-3228. SIGIS live operators are available between 6:30 am to 3:00 pm PST Monday - Thursday, and 6:30 am to 2:30 pmMEMBER LOGIN
Merchants: Most Frequent Reasons for Card Declines; SIGIS Member Networks; SIGIS Members POS Solution ProvidersMEMBER SERVICES
For all other comments or questions, please email SIGIS at: help@sig-is.org or you may contact a representative at (925) 855-3228. SIGIS live operators are available between 6:30 am to 3:00 pm PST Monday through Thursday and 6:30 am to 2:30 pm PST on Fridays, excluding major holidays to answers calls. If all our operators arebusy, please leave
SIGIS | ELIGIBLE PRODUCTS The SIGIS Eligible Product List is a list of eligible health care/medical products that qualify for purchase with an FSA or HRA payment card. The list has been reviewed and modified by the SIGIS Eligible Product List Committee, a group of benefit plan administrators, merchants, and other SIGIS Members.CARD HOLDERS
The Special Interest Group for IIAS Standards (SIGIS) is a non-profit corporation that is responsible for the development and management of an industry standard to meet Internal Revenue Service (IRS) requirements for usage of debit cards for a Flexible Spending Account (FSA) or Healthcare Reimbursement Account (HRA) health benefit plans.SIGIS
RENEWAL - SIGISSIGIS RENEWALAAA MEMBER RENEWALTEXAS IS RENEWALBOAT US MEMBER RENEWALDEA RENEWAL IS HOW OFTENHOW MUCH IS RENEWAL PASSPORT SIGIS provides email notifications and phone calls for annual memberships renewal payments. Email notices will be sent at 60 days prior, 30 days prior, due date, 30 days past due and 60 days past due. In addition, a postcard will be mailed 15 days prior, a paper invoice will be mailed at 30 days past due and a phone call will be made at 45days
SIGIS | TPS MERCHANT CERTIFICATION The IRS requires many merchants selling health care eligible products to support an Inventory Information Approval System (IIAS). The IIAS system is a combination of inventory management and point of sale systems that 1) confirm the health care eligibility of items purchased with an FSA or HRA card, 2) generate a payment transaction that contains the required IIAS information, and 3) includes FAQ - SIGISSIGIS IIASSIGIS 90 % RULESIGIS PHARMACYSIGIS REGISTRATIONSIGIS REGISTRATIONSIGIS WEBSITE San Ramon, CA 94583. You may also contact SIGIS Help Desk at (925) 855-3228. SIGIS live operators are available between 6:30 am to 3:00 pm PST Monday - Thursday, and 6:30 am to 2:30 pm PST on Fridays, excluding major holidays to answers calls. If all our operators are busy, please leave aSTORE LOCATOR
A store locator by which consumers can find IIAS and/or 90% retail locations that support the SIGIS standards. SIGIS | 90% REGISTRATIONSIGIS MERCHANTSIGIS PHARMACYSIGIS REGISTRATIONSIGIS CUSTOMER SERVICEWHAT IS SIGISACCA REGISTRATIONONLINE
Current SIGIS requirements for drug stores and pharmacies who wish to register under the 90% program are: Must become a Member of SIGIS by completing the online Membership Application and paying the appropriate annual membership fee. Completes the SIGIS, online 90% Rule Merchant Registration.PROGRAMS - SIGIS
SIGIS is here to help merchants, plan administrators, acquirers, card issuers, and processors support IRS requirements for FSA/HRA card programs. This section describes the SIGIS programs and how the programs may be activated. The FAQs are a resource to answer many questions – be sure to check there first when you have specificquestion.
MEMBERSHIP & SERVICES The annual membership dues are $750. Membership fees may be paid by credit card at the SIGIS website or will be invoiced for payment by check. TIER II : In addition to Tier III and IV rights, Tier II Membership grants the ability to be nominated and elected by Tier II Members to the Board of Directors. The annual membership dues are$3,750 plus
SIGIS | ABOUT SIGIS
SIGIS is a not-for-profit organization that was formed in 2007 to establish and manage an industry standard to support requirements published by the Internal Revenue Service (IRS) for the processing of Flexible Spending Account (FSA) and Health Reimbursement Arrangement (HRA) debit card transactions.PUBLICATIONS
Publications. There are a number of SIGIS publications that may be of interest to review. This publication provides information about the SIGIS corporate background and history. This publication provides an overview of key information relating to SIGIS and its services. This publication describes the criteria specified by the Internal RevenueJOIN - SIGIS
It is easy to join SIGIS. There is an online Membership Application available. Review the information in the Online Instructions section to get the information that you’ll need when completing the online application. IMPORTANT: IF YOU ARE A DOCTOR’S OFFICE, CHIROPRACTOR, DENTIST, VISION CENTER OR DAY CARE FACILITY, DO NOT JOIN SIGIS. SIGIS | ELIGIBLE PRODUCTS The source of the SIGIS Eligible Product List includes most nationally-distributed, regular-stock items. As such, the following types of items will generally not be included: items specially created for an individual merchant (including but not limited to private label items); a local, regional, or specialty item; bonus items (e.g., 2 ounces free); BOGOS (buy one, get one), or other in-and-out SIGIS | ELIGIBLE PRODUCT LIST CRITERIA Glucosamine-only or main ingredient glucosamine products are eligible. Hand Sanitizers (ABHR) Purell, Nexcare, Germ-X. Alcohol Based Hand Rub (ABHR) with 60-95% alcohol - hand sanitizers with at least 60% alcohol (often listed on the label as ethanol, ethyl alcohol, isopropanol, or2-propanol).
MERCHANTS - SIGIS
The IRS requires many merchants selling health care eligible products to support an Inventory Information Approval System (IIAS). The IIAS system is a combination of inventory management and point of sale systems that 1) confirm the health care eligibility of items purchased with an FSA or HRA card, 2) generate a payment transaction that contains the required IIAS information, and 3) includesTPAS - SIGIS
SIGIS will publish a list of SIGIS Members that have registered as 90% Rule merchants. Additionally, SIGIS will publish the acquirer IDs and Card Acceptor IDs of these merchants each week. Issuers and issuer processors that elect to participate in the 90% Rule should use the 90% Rule SFTP Report. The issuer processor should use the MasterCard SIGIS - ONLINE MEMBERSHIP APPLICATION Acquirer/Processor: Bank/processor that enables retailers to accept card payments Issuer/Processor: Bank/processor that issues payment cards to consumers Manufacturer: A company that manufactures healthcare products Merchant/Retailer: A store/business that accepts card payments, i.e. a pharmacy Payment Card Network: A company that process credit card transactions* Skip to Content
* Skip to Navigation THE SPECIAL INTEREST GROUP FOR IIAS STANDARDS* About SIGIS
* Corporate Background & Mission * Organizational Structure * Board of Directors* Staff
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Mission Statement
The Special Interest Group for IIAS Standards was formed to create a standard industry solution that could be both scaleable and broadly adoptable, while consistent with IRS requirements. Click hereto find out more.
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Membership Benefits
Not sure if SIGIS membership is right for you? Click here to find out more about different types of membership and who should become a member.*
For Merchants
SIGIS offers IIAS Certification and 90% Rule programs for merchants to support FSA card transactions. This includes our Eligible Products List. Click here to find out more.*
More Information
SIGIS offers a variety of publications and articles to educate consumers and members about FSA card usage. Click hereto find out more.
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Need User Name or Password Help? USER NAME/PASSWORD REQUEST You must be a SIGIS member to request a username or password. Please enter your User Name and click Submit. Your Password will be sent to your active email address within 15-20 minutes. Please make sure you double check your spam box. If you do not know your User Name Click “Submit” and enter your company information on the followingform.
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LATEST NEWS
* 7/10/2018 SIGIS Informational Letter Request to IRS * 5/23/2012 SIGIS Launches Network Certification Process to SupportDurbin
* 4/19/2012 SIGIS Updates Eligible Product List Criteria April 2012 * 1/5/2012 SIGIS Updates Eligible Product List CriteriaMore News
FEATURED PUBLICATIONS Merchants: Most Frequent Reasons for Card Declines Eligible Product List: Eligibility CriteriaSIGIS Fact Sheet
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POPULAR QUESTIONS
Find answers to your questions: Popular "HOW TO" QuestionsPOPULAR QUESTIONS
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OBTAIN A PASSWORD TO ACCESS THE SIGIS MEMBERS AREA AND THE ELIGIBLEPRODUCTS LIST
Members must obtain a SIGIS Members Area login to access the information and the SIGIS Eligible Product List. * The SIGIS Members Area is accessible from the SIGIS website . This is where Members can find general information regarding Membership and SIGIS programs. Members must log into the Members Area to access the online IIAS Certification and 90% Rule Registration forms. * The Eligible Products List can only be viewed and downloaded from the SIGIS Member Area. As noted above the Primary Contact for a SIGIS Member must have registered your name as a contact. To retrieve SIGIS Members Area login information, go to SIGIS Home . Click "LOG IN" located in the Member Login box. Enter your User Name and click Submit. Your Password will be sent to your active email address within 15-20 minutes. Please make sure you double check your spam box. If you do not know your User Name Click “Submit” and enter your company information on the followingform.
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WHAT IS THE SPECIAL INTEREST GROUP FOR IIAS STANDARDS? SIGIS is a not-for-profit organization that was formed in 2007 to establish and manage an industry standard to support requirements published by the Internal Revenue Service (IRS) for the processing of Flexible Spending Account (FSA) and Health Reimbursement Arrangement (HRA) debit card transactions. The IRS requires merchants that sell prescriptions and/or over-the-counter medical items either: 1) support an “inventory information approval system” (IIAS) or 2) qualify as a “90% Rule” pharmacy or drug store. SIGIS manages voluntary industry standards and services to enable the usage of FSA and HRA debit cards in accordance with IRS requirements. SIGIS is a membership company that has a broad range of participants, including merchants, card issuers, third-party plan administrators (TPAs), merchant acquirers, processors, financial institutions, trade associations groups, software vendors, and payment card networks.*
WHAT DOES A MERCHANT NEED TO DO TO BE ABLE TO ACCEPT FSA AND HRACARDS?
The IRS requires many merchants selling health care eligible products to support an Inventory Information Approval System (IIAS). The IIAS system is a combination of inventory management and point of sale systems that 1) confirm the health care eligibility of items purchased with an FSA or HRA card, 2) generate a payment transaction that contains the required IIAS information, and 3) includes an information archive system that allows the merchant to respond to a IRS audits asrequired.
The components of an IIAS system will typically include: * • An Inventory Management system that identifies health care eligible items based on the UPC code and compares them to the item purchased for nationally branded, private label and special promotional packaged branded items. SIGIS provides a list of nationally-branded eligible products to its Members. * • A health benefit card identification system capability to identify FSA and HRA cards via BIN ranges of all FSA and HRA cards. The list of required BINS is provided by the merchant's acquirer. * • A payment authorization system / POS system that generates an IIAS transaction containing all required IIAS data elements, including an IIAS flag indicating an IIAS system was used, the Health Care Eligible Amount, and if supported, the Rx/Prescription Amount. The Rx/Prescription Amount is a subset of the Health Care Eligible Amount. This system should support partial authorizations to improve the handling and acceptance of FSA and HRA card transactions. * • Settlement System that supports the settlement of approved IIAS transactions containing the required IIAS information to amerchant acquirer.
* • A Transaction Retention capability that supports the storage and retrieval of IIAS transactions to respond to IRS audit requests to confirm the eligibility of items purchased on a FSA or HRA card. In addition to supporting a system capable of handling IIAS transactions, a merchant must also join SIGIS by completing a Membership Agreement, complete a Merchant Self-Assessment / Checklist and complete certification with their Acquirer. These materials can be completed online at the SIGIS website at www.sig-is.org . Alternately, merchants that qualify for 90% rule may enroll in that program.*
WHO IS ELIGIBLE TO PARTICIPATE IN SIGIS? SIGIS is a membership company open to all participants involved in offering, processing or accepting health care payment cards for FSAs and HRAs. Thus, membership is open to merchants, card issuers, third-party plan administrators, merchant acquirers, processors, financial institutions, trade association groups, and payment cardassociations.
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IF A MERCHANT IMPLEMENTS THE SIGIS IIAS STANDARD, IS THERE A GUARANTEED 100% ACCEPTANCE OF THE HEALTH CARE DEBIT CARDS IN THEMARKETPLACE?
While an IIAS system is required for non-health care merchants to accept FSA and HRA cards under the IRS guidelines, a merchant that implements an IIAS solution is not guaranteed 100% acceptance of all FSA/HRA cards. SIGIS Member card issuers/processor and the majority of their third-party plan administrator clients supporting FSA and HRA cards have enabled SIGIS IIAS processing to authorize and auto-substantiate transactions; however some employer benefit plans may require a level of transaction detail that is not supported with an IIAS solution, thereby, preventing acceptance even at merchants with a fully certified IIAS solution. In addition, normal decline issues can occur for expired cards, insufficient funds, cards not activated and other business reasons.*
WHAT ARE THE 90% RULE PROGRAM REQUIREMENTS? Currently, merchants that are registered under the 90% Rule do not need to undertake any technical work. Issuer processors will use the Store ID/Card Acceptor ID field in authorization requests to approve FSA/HRA card transactions at registered stores. Over the longer-term, there may be additional technical requirements that will be published with lead-time for implementation support. Current SIGIS requirements for drug stores and pharmacies who wish to register under the 90%program are:
* Must become a Member of SIGIS by completing the online Membership Application and paying the appropriate annual membership fee. * Completes the SIGIS, online 90% Rule Merchant Registration. During online registration, merchants will be asked to attest that each store registered meets the IRS requirements for the 90% Rule. The following information will also be needed from the merchant’s acquirer in order to successfully complete the form: * The acquirer's MasterCard ICA number * The acquirer's VISA BIN number * The acquirer's Maestro ICA number * The acquirer's Visa Interlink ID * The acquirer's STAR ABA number * The acquirer's NYCE ID number * The acquirer's ACCEL ID number * The acquirer's PULSE ID number * The drug store/pharmacy's Card Acceptor ID (each store has a different Card Acceptor ID) submitted in authorization requests. The Card Acceptor ID is sometimes referred to as the store's "merchant number" or "store location id". * The MCC code for your store locations. (Note only locations under 5912 and 5122 are eligible). Once the application is submitted, SIGIS will send a confirmation to the merchant registrant and its acquirer via email. It is extremely important that merchants double check the information sent in the email. Any errors may result in transaction declines.*
HOW TO CONTACT SIGIS? The most efficient means of contact is to email the SIGIS Help Desk with your questions or comments, at help@sig-is.org. Your request will be processed within two business days. The SIGIS mailing address is: SIGIS - Special Interest Group for IIAS Standards 111 Deerwood Rd. Ste.200San Ramon, CA 94583
You may also contact SIGIS Help Desk at (925) 855-3228. SIGIS live operators are available between 6:30 am to 3:00 pm PST Monday - Thursday, and 6:30 am to 2:30 pm PST on Fridays, excluding major holidays to answers calls. If all our operators are busy, please leave a voice mail message. It will be returned within one businessday.
The SIGIS fax number is (925) 855-3229.*
IS IT EXPECTED THAT ONCE A STORE IS REGISTERED, THAT IS ALL THATNEEDS TO BE DONE?
Based on the IRS requirements, the merchant will have to re-register each year and attest that the gross sales of a store meet the 90% Rule. There will be an annual registration requirement to meet IRS rules that will be driven by the merchants tax year end date. This is a separate process from payment of annual SIGIS membership dues. Both must be completed once a year.*
AS A MERCHANT THAT HAS IMPLEMENTED AN IIAS SYSTEM, WHY ARE CARD TRANSACTIONS BEING DECLINED? Merchants who have implemented IIAS systems may continue to see declines on health care benefit cards. Declines for standard business reasons will occur. These reasons include insufficient funds, closed accounts, expired cards, status of accounts, etc. Therefore, if the card transaction declines, it is most likely that the decline is valid. A reference document called MOST FREQUENT VALID REASONS FOR CARD DECLINES can be found on the SIGIS website at www.sig-is.org . This list includes the main reasons why properly formatted IIAS transactions at an IIAS merchant can validly decline against cards that are IIAS-enabled. This is not intended to be an all-inclusive list, but represents the most common reasons that together account for most declines.*
WILL ALL FSA/HRA PLAN ADMINISTRATORS PERMIT THEIR CLIENTS TO USE FSA/HRA CARDS AT 90% RULE MERCHANTS? While a majority of plan administrators permit FSA/HRA cards to be used at 90% Rule merchants, there may be some that do not or whose employer clients do not permit it. This could mean that plan administrators in a merchant's market area may have elected not to authorize FSA/HRA card transactions at 90% Rule merchants.*
IS A MERCHANT REQUIRED TO MAKE IIAS CHANGES TO ACCEPT FSA/HRA CARDS? No. A merchant is not required to implement an IIAS; however, FSA/HRA card issuers will not be able to approve FSA/HRA card transactions when a merchant does not support an IIAS. If you are a merchant and choose not to implement an IIAS, you do not need take additional steps. Merchants that are pharmacies/drug stores and primarily sell prescriptions and medical items may qualify under the IRS rules as a “90% Rule” merchant. See the 90% Rule Merchant FAQs for moreinformation.
For merchants that would like to accept the FSA/HRA cards from their customers, the IRS requires Merchants selling health care eligible products to support an Inventory Information Approval System (IIAS). The IIAS system is a combination of inventory management and point-of-sale systems that can verify the health care eligibility of items purchased with an FSA or HRA debit card, generate a payment transaction that contains the required IIAS information, and includes an information archive system that allows the merchant to respond to an IRS audit(s) as required. As noted above, for Drug Stores / Pharmacies where 90% of the sales on a store-by-store basis qualify as FSA-eligible, a 90% Rule registration program is an alternativeoption.
Merchants have the option to not become a Member of SIGIS by establishing their own IIAS standards or 90% Rule Exemption and working with third-party plan administrators individually. With the IIAS Certification developed by SIGIS, a non-profit standards organization, a broad range of participating merchants have been able to implement a solution that is recognized industry-wide, which enables acceptance of most FSA/HRA payment cards. Likewise, third-party plan administrators have implemented a common set of procedures that are applied to IIAS transactions at participatingmerchants.
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WHAT ARE THE DIFFERENCES IN MEMBERSHIP TIERS? The basis for the Membership Tiers is to enable different levels of participation in the activities of SIGIS. Progressively, the rights and responsibilities to the management increase with each Tier level starting with Tier IV. TIER IV: Tier IV Membership is a basic membership that enables merchants to complete either 90% Registration for the 90% Rule or SIGIS IIAS Certification. All Members may download the SIGIS Eligible Product List as well as other resource information in the Members Area of the SIGIS website. Tier IV Membership does not provide rights to participate in work groups or nominate persons to the Board of Directors. The annual membership dues are $100. TIER III: In addition to Tier IV rights, Tier III Membership grants the ability to name individuals to participate in other working committees. The annual membership dues are $750. TIER II: In addition to Tier IV and Tier III rights, Tier II Membership grants the ability to be nominated and elected by Tier II Members to the Board of Directors and to the Management Committee. The annual membership dues are $3,750 plus a onetime initial fee. TIER I: In addition to Tier IV, Tier III and Tier II rights, Tier I Membership grants the ability to be have a seat on the Board of Directors. The annual membership dues are $7,500 plus a one-time initial fee and capital call.*
WHY ARE SOME ITEMS THAT MEMBERS HAVE IDENTIFIED AS HEALTH CARE NOT ONTHE LIST?
The source of the SIGIS Eligible Product List includes most nationally-distributed, regular-stock items. As such, the following types of items will generally not be included: items specially created for an individual merchant (including but not limited to private label items); a local, regional, or specialty item; bonus items (e.g., 2 ounces free); BOGOS (buy one, get one), or other in-and-out types of packaging with limited availability or distribution. Although these items will not be included in the data, they may in fact be eligible. Private label/store brands will generally not be available for inclusion on the standard list produced by SIGIS. It is understood that some of these private label/store brand items are, in fact, eligible under IRS Code Section 213(d), and therefore, can be processed through the SIGIS IIAS. Merchants that choose to supplement their inventory of SIGIS identified eligible items with their own private label items are free to do so by following the process detailed in the _Private Label Eligibility Criteria_ document. That document can be found at www.sig-is.org . Additionally, dual-purpose items are not included as part of the standard list. These products may have both a medical purpose and a personal/cosmetic or general health purpose. Merchants are not permitted to identify dual-purpose items as eligible items in their IIAS solution. Examples of dual use items that would not be included: * Baby Formulas/Nutritionals * Dietary Supplements * Vitamins (except prenatal vitamins) FSA/HRA cardholders that have a doctor's order for dual-purpose items may submit their sales receipt along with the additional information required by their plan administrator and receive a manual reimbursement. The IRS has specific categories that are designated as eligible medical expenses and those that are not. Merchants should not make assumptions that “health care” products are IIAS-eligible. Merchants will find the _Eligible Products Criteria_ document to be helpful in understanding the categories of eligible, non-eligible and dual-purpose items. The current _Eligible Products Criteria_ document may be found on the SIGIS website at www.sig-is.org.
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