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 categories, like grocery stores and wellness centers, rather than specific businesses, for a more flexible member experience. 

While we partner with you to design your taxable plan, we’ll provide you with an adjustable set of merchants, 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 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 merchants might include grocery stores and restaurants. 

 

Conditionally covered merchants

If a member uses their Level Card at one of these merchants, they’ll be prompted to add more information in the Level App to verify that their purchase is covered by their plan. (You can set a customized threshold for receipt requirements. For example, you might allow members to make purchases under $25 at conditionally covered merchants without providing a receipt.)

Once the member has 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 merchants may be set as excluded, which means your plan doesn’t cover purchases at these 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 vision providers as excluded merchants. 

 

Covered items

These items are covered under your plan. If a member buys a covered item at a merchant that isn’t covered or conditionally covered, their Level Card will decline, but they can use a personal payment method and submit their receipt for reimbursement in the app.

 

Excluded items

Some employers choose to specify excluded items in their taxable plan. These 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. 

The Level Card can’t be used to purchase weapons.

 

Other merchants

If a merchant 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.