Phase 3 Benefits

Phase 3 Benefits puts your health spending account in your pocket. Manage your benefits card, track every dollar, and stop losing funds to year-end forfeiture. YOUR BENEFITS CARD, SIMPLIFIED • View your virtual Visa benefits card and add it to Apple Wallet for tap-to-pay • See balances at a glance — what you've spent and what's left • Lock or unlock your card instantly, or report it lost or stolen NEVER CHASE A RECEIPT AGAIN Health accounts often make you "substantiate" a purchase by matching a receipt. Phase 3 Benefits shows exactly which transactions are all set and which need a receipt — so your card never gets suspended by surprise. Snap a photo and you're done. SPEND WITH CONFIDENCE Our Trajectory view projects your spending pace across the plan year, so you always know if you're on track, running low, or at risk of leaving money on the table. Smart suggestions help you put remaining funds toward eligible care before the deadline. FILE CLAIMS IN MINUTES Paid out of pocket? Submit a claim with a quick receipt capture and track its status from filed to reimbursed. MEET AVA, YOUR BENEFITS ASSISTANT Ava answers the questions that usually mean a phone call — "Why was my card declined?", "Is this eligible?" — right in the app. When something needs a human, Ava hands your conversation to a live specialist with all the context already summarized, so you never repeat yourself. BUILT FOR HOUSEHOLDS Share a single household election across family members, with clear visibility into who's spending from the shared pool. EVERYTHING IN ONE PLACE • Real-time transaction feed with clear status on every purchase • Coverage details, including run-out and plan-year windows • Year-end records and tax summaries • Notification controls tuned to how much you want to hear from us