A healthcare flexible spending account (FSA) allows you to pay for qualified out-of-pocket medical expenses on a pre-tax basis. Money deducted from an employee’s pay into an FSA is not subject to payroll taxes, resulting in substantial payroll tax savings.

To find out more about what expenses are covered by your FSA, please visit FSA Qualified Medical Expenses Page.

Ineligible expenses include:

• Cosmetic surgery and procedures
• Expenses for services rendered outside the coverage period
• Expenses reimbursed by an insurance provider or another health plan
• Herbs/Vitamins/Supplements used for general health
• Insurance Premiums
• Family or Marriage Counseling
• Personal Use Items (e.g., toothpaste, shaving cream, cosmetics)
• Dental Whitening

This list is not all-inclusive. If you have questions regarding whether an expense is eligible or ineligible under a healthcare FSA, please log into your account for a complete list of expenses.

Once you make your annual election during open enrollment, your employer will fully fund your account at the beginning of the plan year with your total election amount. Your employer will then deduct the election amount from your paychecks in equal amounts throughout the year.

Great news! You may carry over a minimum of $50 up to a maximum of $610 that remains in your Healthcare FSA at the end of the next calendar year to the following calendar year. The carryover feature of your Healthcare FSA makes enrolling much less risky. You have more flexibility to spend your Healthcare FSA money when you need it. You can use it for necessary out-of-pocket healthcare expenses, rather than feeling pressured to engage in last minute and potentially unnecessary spending at the end of the year.

But you should still carefully plan the amount you want to contribute to your Healthcare FSA. Any amount over $610 remaining in your account at the end of the next plan year run-out period will be forfeited.

The "use-it-or-lose-it" rule is a provision in the IRS Regulations. Under this provision, all money contributed to a FSA must be used to reimburse qualified expenses incurred during that plan year. Money not used to reimburse eligible expenses is forfeited. The unused portion of your healthcare FSA may not be paid to you in cash or other benefits, including transferring money between FSAs. To reduce the risk of forfeiture, it is critical for you to be conservative when choosing your annual election amount.

Our online savings calculator can help you estimate your annual expenses.

Your election is irrevocable for the plan year unless you have a change in status or other qualified event as defined in the IRS Regulations and your plan permits such qualified changes.

You will be reimbursed for any eligible expense incurred before the date you retire or leave the company. Under IRS regulations, any remaining funds in the account must be forfeited. Any expenses you incur after the end of your employment is not eligible for reimbursement.

We take your privacy seriously, and as a result we have a strict policy in place to safeguard your account and private information. While you can grant your spouse and dependents and those eligible to use your account limited access, you as the accountholder are the only one with full access and rights to your account and account settings. Please see the HIPAA Authorization Form for more information.

An FSA account can only be used to pay expenses of a qualifying child or qualifying relative (as such terms are defined in Internal Revenue Code Section 152).

At this time, a domestic partner is not considered a spouse under federal law, so a domestic partner’s medical expenses cannot be reimbursed under a health FSA unless the domestic partner is a “qualifying relative” of the participant. A qualifying spouse must be legally married.

The IRS has changed mileage reimbursement rates for medical care effective based on the date the service is incurred. Mileage for travel to / from eligible healthcare—on or after January 1, 2023 is $0.22 per documented mile.

Please include the following information with your mileage claim:

• Date of Service
• Type of Service (doctor visit, trip to pharmacy, etc.)
• Actual Mileage and rate (10 miles round trip @ $0.22/mile)
• Total amount being requested (10 x .22 = $2.20)
• Submit the claim for mileage along with a Pay Me Back claim or with the Explanation of Benefits (EOB). Claims will need to match the mileage reimbursement to a service and its date.
• Many online mapping services will detail your route and mileage from home to service provider. This is helpful (but not required) in submitting mileage reimbursement claims.

Yes. Due to the CARES Act of 2020, you no longer need a doctor’s prescription with your reimbursement.

Keep in mind, an FSA will not pay for the cost of food supported by a weight-loss program that substitutes normal nutritional needs.

The IRS requires that medical expenses reimbursed through an FSA must be primarily for the diagnosis, treatment or prevention of disease.

For example, your doctor may prescribe a vitamin to treat your medical condition. Because vitamins are generally considered an ineligible expense, you will need a letter from your medical provider detailing the type of service rendered and the treatmentd necessary.

Letter of Medical Necessity

View the list of eligible expenses for more information.

You can submit a reimbursement request at any time during the same plan year when the expense was incurred. You can also log into your account at any time to see how long you have to spend or claim yourd funds.

Five pieces of information are required to help ensure the approval of your claim. They are:

• Patient: Person who received the service or who the item is for. For retail store purchases, this may be excluded.
• Provider: Who delivered the service or if a purchase, where was the item purchased.
• Date of Service: Date services occurred or date item was purchased.
• Type of Service: Detailed description of what service or product was paid for. Bag Tag is sufficient for prescriptions.
• Financial Responsibility: The amount paid for the service or product and/or the portion not reimbursed through your insurance carrier.

Please ensure that your documentation contains all the above information when submitting a claim. Review the Claim and Card Use Verification Checklist.

To request a Pay My Provider transaction, you must have your request in place 10 days prior to the date that you want us to mail out the payment. In addition, the payment mail date must be no more than 10 days prior to the service date.

Most likely, you had a Card transaction that needed additional verification. If we request a receipt via the Card Use Verification form and you did not submit a receipt or repayment, then 90 days from the date of the Card transaction, we will deduct the amount of that transaction from any future Pay Me Back claim that you submit.

Click Here for a full explanation of Card Verification and more information on how you can improve your Card experience. We have also prepared a Claim and Card Use Verification Checklist to help you when submitting claims or resolving Card transactions.

You may download claim forms online from here.

Some doctors’ offices, hospitals, and dentists perform services which would be considered ineligible for certain accounts.

Because the IRS requires us to obtain 100% verification of Healthcare Card transactions, we ask for itemized receipts for all transactions which we are not able to automatically approve. This is called Card Use Verification. Learn more about Card Use Verification.