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What's an FSA?

A Health Care Flexible Spending Account (FSA) lets you set aside part of your paycheck to pay you back for future health care or dependent care expenses. You decide how much to contribute to the account, and the portion of your paycheck you put into your FSA is taken out before you pay federal income taxes, Social Security taxes and most state taxes.

How can I use the money?

The Internal Revenue Code specifies how your health care FSA funds can be used.  Approved expenses include medical, dental and vision products, or services performed by medical professionals to diagnose, treat or prevent diseases for you and your family. You may be able to use your FSA to pay for expenses like co-payments, or medical expenses not covered by your health plan, like:

  • Dental care/orthodontia
  • Eye exams
  • Hearing aids
  • Laser eye surgery
  • Nicotine gum or patches/smoking cessation programs
  • Vision care products such as glasses and contact lenses

You can also use FSA funds for other items such as alternative drugs and medicines, exercise equipment and programs, even vitamins when they are prescribed by your physician.

Read the IRS's list of approved expenses


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