Merchants and items

For taxable benefits, Level makes it easy for members to understand their coverage by showing them where they can spend their benefit dollars. Our plans recognize merchant types, like grocery stores and wellness centers, rather than specific merchants, for a more flexible member experience. 

During plan design, we’ll provide you with an adjustable set of merchant types, sorted into three groups: covered, conditionally covered, and excluded. Within your plan’s limits, you can add and remove merchants to meet your team’s needs. 

 

Covered merchants

Level Card purchases from these types of merchants will be approved without a receipt, as long as the member has enough in their benefit balance to cover the cost. For a Food benefit, for example, covered merchant types might include grocery stores and restaurants. 

 

Conditionally covered merchants

If a member uses their Level Card at one of these types of merchants, they’ll be prompted to add more information in the Level App to verify that their purchase is covered by their plan. Once they’ve added the information, we’ll review the details, and the member will be notified when their transaction is complete. If their purchase isn’t covered, or if they don’t provide the requested information within 30 days, they’ll be asked to pay out of pocket for the transaction. Conditionally covered merchants often include superstores, wholesale clubs, or online marketplaces. 

 

Excluded merchants

Some merchant types may be set as excluded, which means your plan doesn’t cover purchases at these types of merchants, no matter what is purchased. Members’ Level Cards will be declined, and any reimbursement requests will be denied. Because any expenses that are reimbursable by a health plan or a pre-tax benefit account are not covered by any taxable Level benefit, some employers choose to specifically designate dental and vision providers as excluded merchants. 

 

Excluded items

Some employers choose to specify excluded items in their taxable plan. These types of items won’t be covered by your plan. If a member uses their Level Card and they’re prompted to upload a receipt, and their receipt shows that they bought an excluded item, they’ll be asked to pay the amount back. Any reimbursement requests for excluded items will be denied. 

 

Other merchants

If a merchant type isn’t specifically set as covered, conditionally covered, or excluded, members can use a personal payment method to buy covered items and submit for reimbursement in the app. If their expense is eligible, they’ll get paid back via a linked bank account.