Home Get Started FSA Basics Use Your Money FAQs "How-To" Video

MANAGING YOUR ACCOUNT ONLINE

How do I access my account?
To protect your personal health information, you must log in to the member website.  If this is your first time on the website, you will need to register to get an ID and password. Click on the Spending tab to view your account details.

What can I do on the website?
Everything you need to manage your health care spending is on your member website. In one convenient location, using a computer or mobile device, you can:

  • Check your FSA balance
  • Submit an expense and upload the documentation
  • View contributions and payments
  • View all transactions, including debit card transactions (if applicable)
  • Request additional debit cards for your spouse or dependents (if applicable)
  • Access claim forms
  • View a list of eligible expenses

CONTRIBUTING MONEY TO YOUR FSA

How much can I put into my FSA each year?
There are maximum amounts set for how much money individuals and families can contribute to an FSA during each calendar year. Contribution maximums can vary each year, so check the specific amounts set for each year in Publication 969, which is available at irs.gov.

How much should I contribute from each paycheck? 
First, estimate what your health care expenses might be during the year by adding up your deductible, coinsurance and copayments. Then, divide that total by the number of pay periods per year to get the amount you should contribute from each paycheck. This formula is just a guide — any amount you decide to contribute will help you pay for your health care.

When can I change my contribution amount?
You can only change your contribution amount during the annual enrollment period for your health plan or when you experience a qualified status change.

What’s a qualified status change?
A qualified status change is a life event such as marriage, divorce or legal separation, the birth or adoption of a child, the death of a dependent, or change in employment status for you or your dependents. Status change rules can vary by benefit plan, so check your Summary Plan Description for what rules apply to your specific plan.

When can I start using my money?
The full amount you decide to contribute over the year is available to use on the first day your health coverage is effective. For example, if you get paid twice a month and contribute $50 from each paycheck, your annual contribution would add up to $1,200. So, if your health insurance becomes active on Jan. 1, you have the entire $1,200 in your account to use immediately.

What happens to the money I don’t use during the plan year?
It’s important to plan your account contributions carefully because your company’s plan will have a specific “use-it-or-lose-it” rule for any funds remaining in your account. Depending on how your plan is set up, you could:

  • Lose any funds you have not used up by the end of the plan year
  • Be able to carry over up to $500 into the new plan year
  • Be able to use the current plan-year money for expenses incurred for 2 ½ months in the new plan year

To find out the specific rule that applies to your company’s plan, check your Open Enrollment or other benefit materials, or your Summary Plan Description. 

SUBMITTING AND PAYING CLAIMS

What can I use my FSA money to pay for?
You can use your FSA money to pay for qualified medical expenses as described in Section 213 (d) of the Internal Revenue Code. Review the eligible expense list.

How do I pay my claims?
Your employer may offer a debit card, which you can use to pay eligible expenses directly from your FSA. Simply swipe your card at the point of sale, just like you would with any debit card purchase. You can also pay claims right on your member website. In the Claims tab, you can view the status of your claims and see what you are responsible to pay.

How do I submit an expense to my FSA?
Just log in to your member website, go to the Spending tab and click Enter New Claim. You can also download and print out a paper claim form, then fax or mail it along with the necessary documentation.

What do I do if my claim is denied?
If you believe your claim was denied in error, call the Member Service number on the back of your ID card. You may be asked to submit additional information.

Is there a minimum amount for claims paid directly to me?
There is no minimum payment for direct deposit repayments. There is a $25 minimum if you are being reimbursed by paper check. If you have an approved claim for less than $25, that amount will be added to other approved transactions until you meet the minimum payment requirement.

Will I be able to pay medical providers directly from my FSA?
Once your claim finalizes, payments can be made directly to your medical provider if your FSA has been set up as “Auto-submit to Provider”. However, the FSA will not pay prescription expenses directly to pharmacy locations.

Will I be able to pay my dental or vision providers directly from my FSA?
If your FSA comes with a debit card, you can pay dental and vision providers directly. Otherwise, you will need to pay those providers with another form of payment then submit those expenses on the member website to get paid back from your FSA.  Go to the Spending tab then click Enter New Claim.

Can I use my FSA to pay for health insurance premiums? 
No, health insurance premiums are not eligible expenses under a health care FSA.

Can I submit an expense I incurred before I signed up for an FSA?
No, all expenses must be incurred after your account was started in order to be eligible.

How often are payment and claims details updated on the member website?
The member website will display your account balance, and payment and claim information in real time.

Will I get a statement of my account activity?
The Plan Activity Statement shows both claims information and spending account activity in a single user-friendly statement. You can find your statements on the member website on the Claims tab. Find the expense you need details on and click the arrow to expand the information.

Follow these steps to request email notification when a Plan Activity Statement is available.

  • Click on Your Account in the upper right of the home page.
  • Choose Account Settings from the drop-down menu.
  • Click on Contact Preferences to select your communications preferences.

Can I still mail or fax claims forms?
We encourage you to submit claims and documentation online, because that’s the fastest way to receive payment. However, claim forms can be printed from the member website and submitted via mail or fax.

If my plan has a Plan Year Extension feature, how will that feature work?
Claims submitted during that extension period will first be paid out of prior year funds (even if the claim is from the current year) until prior year funds are used up. Only after prior year funds are used up will the current year’s funds be used. This allows you to use the remaining funds quicker, and you will be able to better manage your account balances.

USING DEBIT CARDS

If my FSA offers a debit card, what expenses can be paid using the card?
Health care FSA debit cards are only available for qualified medical expenses as described in Section 213 (d) of the Internal Revenue Code. Review the eligible expense list.

Are there monthly fees for the debit card?
No, there are no monthly fees for the card and there are no fees for transactions.

Do I get a PIN with my health care FSA debit card?
Yes. If a provider doesn’t accept credit cards, and only accepts bank-issued debit cards, you can also use it as a debit card. The money will come from the same account. If you do this, you will be prompted to enter your Personal Identification Number (PIN).

Should I choose “credit” or “debit” when using my debit card? 
You can choose either “credit” or “debit” when using your debit card.

Can I use my debit card to withdraw cash?
No. Debit cards and PINs cannot be used to withdraw cash from an ATM or at the point of sale.

What if I lose my PIN?
You can request a new PIN on the Spending tab of the member website.

Can a PIN be changed?
No. PINs cannot be changed or customized.

Can I order more debit cards?
Yes. Log in to the member website. Go to the Spending tab and select the Debit Card link.

Do I need to keep receipts for purchases I make using my FSA debit card?
Yes. Receipts are often required, especially for dental and vision claims, in order to meet the Internal Revenue Service’s requirements for FSAs. If you need to verify any expenses, we’ll send up to three letters or emails explaining what you need to do. You’ll have 90 days to provide the receipts. You can upload these receipts to the member website from your computer or mobile device, or submit via fax.

What do I do if my debit card is suspended?
For assistance, call the Member Service number on the back of your ID card.

Is there a fee for reporting lost or stolen debit cards?
No. You can reorder lost or stolen cards at no charge on your member website. Each family member’s debit card has its own individual account number. If one card is lost, or suspended, it doesn’t affect any others in the family. Only one card needs to be replaced.

Are cards reissued each year?
No. You should keep your FSA debit card after the year ends and use it next year. Even if you don’t have an FSA next year, you can use the card in future years if you elect an FSA again.

Can I use my debit card outside the United States?
Yes, you can use your debit card internationally if the merchant is set up with valid Merchant Category Codes (MCC). MCCs indicate to the credit card company the type of provider where the card is being swiped.

DEPENDENT CARE FSA

What is a dependent care FSA?
A dependent care FSA is an account that lets you save on dependent care expenses by using pre-tax dollars, deducted from your paycheck. You can pay for the care of your dependents while you and/or your spouse work, look for work or go to school. You decide how much money you want to contribute for the year. Payments are then divided among your pay periods and the money is taken from each paycheck on a pre-tax basis. It’s an easy way to decrease the amount of taxes you pay.

Who are eligible dependents?
Eligible dependents can be: children under 13 who qualify as a tax dependent; children 13 or older who have a disability; and adults who qualify as tax dependents, including spouses or individuals who live with you and are medically or physically unable to care for themselves.

What expenses are eligible?
Some examples of eligible dependent care expenses include:

  • Licensed daycare providers
  • Before- and after-school care for children under 13
  • Summer day camps for children under 13
  • Care provided in your home
  • Non-medical home care or daycare for eligible disabled dependents
  • Registration fees
  • Preschool educational expenses

Are kindergarten expenses eligible for reimbursement?
No, kindergarten expenses are considered to be educational in nature.

Are nursery school expenses eligible for reimbursement?
Yes, expenses for nursery school or similar preschool programs below kindergarten level are eligible for reimbursement.

Are payments to babysitters eligible for reimbursement?
Yes, as long as the babysitter is not the child of the employee who is under 19 years of age; is not a child of the employee or spouse and is claimed as a dependent on their tax return; is not the employee’s spouse; or is not the parent of the child (and they are not the employee’s spouse). You will need to identify the babysitter when submitting your claim.

What expenses are not covered?
Some examples of expenses that are not covered include:

  • Overnight camps
  • Educational expenses for kindergarten and above
  • Food or clothing
  • Elder care outside the home
  • Transportation expenses

How much can I allocate to my dependent care FSA?
The current maximum annual amount that you can contribute to your dependent care FSA is set by the Internal Revenue Code at $5,000 ($2,500 if married and filing separately).

Can my spouse and I both have dependent care FSAs?
Yes. Each of you is limited to $2,500 per year and each expense can only be reimbursed from one of the accounts.

Do I have to pay taxes on the money I contribute to my account?
No. 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.

If I use an FSA to pay for dependent care expenses, can I also receive tax credit for those expenses?
No, you cannot pay for expenses under your dependent care FSA and claim the dependent care tax credit for the same expenses on your federal income tax return. Some people may benefit more by claiming the dependent care tax credit. Consult with a tax professional to determine which option will provide you with greater benefit.

Can I be paid back for the full annual amount of my dependent care FSA at any time during the plan year?
No. Unlike health care FSAs, dependent care FSAs only allow you to be reimbursed for amounts that are actually deposited into your account. Therefore, you must wait for reimbursement until the money you had deducted from your pay is credited to your account, provided that you have already incurred the expense. You may, however, submit a claim as soon as you have incurred the expense and have the appropriate documentation. Once approved, it will pay out once your payroll contribution is deposited into your account.

Can I get paid back for an expense I incurred before I signed up for a dependent care FSA?
No, all expenses must be incurred after your account was started in order to be eligible for reimbursement.

When can I change the amount I contribute to my dependent care FSA?
You can only change your contribution amount during the annual enrollment period for your health plan or when you experience a qualified status change.

What’s a qualified status change?
A qualified status change is a life event that permits you to change your contribution amount during the plan year. Some examples include marriage, divorce or legal separation, the birth or adoption of a child, the death of a dependent, or change in employment status for you or your dependents. Status change rules can vary by benefit plan, so check your Summary Plan Description for what rules apply to your specific plan.

Can I submit dependent care FSA claims if my employment ends?
You can submit claims incurred up to your last day at work. However, your plan may give you a “run-out” or grace period, which is additional time to submit claims. Check your Summary Plan Description to find out what rules apply to your specific plan.

What happens to the money I don’t use during the plan year?
It’s important to plan your account contributions carefully because the “use-it-or-lose-it” rule applies. You’ll lose any unused dollars at the end of the year.

 

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GENERAL FSA INFO

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Eligible Health Care Expense List

 

 

         

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