Do I have to use the Debit Card to access my Health FSA?

No, the Debit Card is just one option, not the only option. You always have the option to file a Reimbursement Claim as well. Just submit a claim on the web portal or mobile app with documentation, and we will reimburse you directly for your expenses. You definitely are not required to use the Debit Card. The Debit Card is simply an option for efficient and convenient reimbursement.