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Get Answers To The Most Common Questions

What are the benefits of the card?
The main benefit of the card is convenience. It allows you to access your Embrace Health bonus account funds at the point of service.

Where can I use my CDPHP Embrace Health debit card?
Your CDPHP Embrace Health debit card can be used nationwide at approved merchants. Examples of approved merchants may include pharmacies, doctors’ offices, vision centers, and hospitals. Your card should only be used to pay for medical expenses eligible under your plan, and you should always save your receipts.

What do I do if the card is accidentally used for ineligible expenses?
If this happens, please contact the CDPHP Health Funding Department at (518) 641-3770 or 1-877-793-3960. Your debit card may be deactivated and you may need to send in an overpayment check to reimburse your account.

Can I submit a claim for a medical service prior to paying for it?
No, the service must be rendered before you can request payment.

How do I submit an expense for reimbursement if I did not use my Embrace Health debit card?
You can submit a claim for reimbursement online. Login to access your Embrace Health bonus account.

Can I send in claims for my card transactions?
No. Because you have already used your account by paying with your card, you cannot receive reimbursement again from your account for the same service.

Do I need to keep my receipts?
YES! Always hold on to your itemized receipts, statements, or bills, in case further documentation is requested.
The receipt must contain the following information:

  • Patient name
  • Date of service
  • Name and address of service provider/merchant
  • Description of the service or expense provided
  • Amount charged

*Please note, non-itemized cash register tapes, credit card receipts and cancelled checks alone do not provide proper substantiation of the expense.

What happens to any amount left in my CDPHP Embrace Health bonus account that I do not use by the end of the plan year?
Any unused bonus account balance can be rolled over to the next benefit year, accumulating up to twice the amount of the original account!

Will I get a new debit card at the start of each new plan year?
No, assuming that your plan doesn’t change and you remain eligible for the benefit, your card is good for three years.

What do I do if my card is lost or stolen?
Call the CDPHP Health Funding Department at (518) 641-3770 or 1-877-793-3960. They will deactivate the old card and reissue you a new one.