Health Care Spending Account
What You Need to Know:
Many medical, dental, vision and other health expenses are covered under the Health Care FSA. Consider taking advantage of your FSA benefit if you expect to incure expenses for chiropractic care, hospital visits, surgery, orthodontia, non-cosmetic dental treatments, laser eye surgery, glasses, wheelchairs, and more.
Regular full-time or half-time employees are eligible to participate immediately upon hire or during Open Enrollment.
Rollover Up To $500 of Unused Funds
You no longer lose your unused funds from your Health Care Flexible Spending Account.
- You can now roll over up to $500 of unused FSA money to the following plan year.
- There is no grace period for using funds.
- Last date a claim may be filed for the previous plan year is December 31.
How It Works
You may contribute between $250 to $2,500* per fiscal year to your account to pay for un-reimbursed health, dental and vision care expenses for you and your eligible dependents.
*As a result of recent federal health care reform legislation, the health care flexible spending account maximum will be reduced to $2,500 (from $4,000) for the plan year, beginning July 1, 2012.
- Eligible dependents include your spouse and anyone you can claim as a dependent on your federal tax return.
- Money in your health care spending account can be used for expenses not paid for by a health or dental plan and are considered tax deductible by the IRS as listed in Publication 502.
- To pay for eligible expenses, complete ConnectYourCare claim form and submit along with copies of the receipts or pay using the automated Visa debit card.
- Premiums for health and dental coverage are not eligible for reimbursement through the Health Care Flexible Spending Account
- Unused funds of up to $500 from one plan year will be automatically rolled over to the next plan year (Claims accepted through December 31).
List of Eligible Expenses for Health Care Spending Account
Medical Expenses – Doctor visits, hospital services, laboratory tests, and medical equipment are all considered eligible medical expenses. Examples include:
- Chiropractic care
- Flu shot
- Hearing aids
- Hospital room and board
- Physical exam
- Physical therapy
- Psychiatric care
Dental Expenses – Non-cosmetic dental treatments qualify as eligible expenses. Examples include:
- Teeth cleaning
- Tooth extraction
Vision Expenses – Eye doctor appointments and vision correction materials are considered eligible expenses. Examples include:
- Contact lenses and materials
- Eye drops
- Eye examinations
- Eyeglasses and materials
- Laser eye surgery
Over-the-Counter Items – Many over-the-counter (OTC) items are eligible for purchase with your account funds. However, due to Patient Protection and Affordable Care Act (PPACA) regulations, some OTC drugs and medications will no longer be eligible for reimbursement after December 31, 2010, unless accompanied by a prescription. Other items that can be used for a medical reason or for general health purposes are considered "dual purpose" and are eligible only with a doctor’s directive or letter of medical necessity.
Eligible without a Prescription – Insulin, testing, and other non-medicinal health items are available without a prescription, letter of medical necessity, or doctor’s directive. Examples include:
- Braces & supports
- Contact lens supplies & solutions
- Denture adhesives
- Diagnostic tests & monitors
- Family planning items
- First aid supplies
- Insulin & diabetic supplies
- Non-athletic elastic bandages & wraps
- Ostomy products
- Reading glasses
- Wheelchairs, walkers, canes
Eligible with a Prescription* –Over-the-counter items that contain a drug or medication require a prescription in order to be reimbursed. Examples include:
- Acid controllers
- Acne products
- Allergy & sinus medicine
- Anti-fungal foot sprays and creams
- Anti-gas products
- Anti-itch & insect bite
- Anti-parasitic treatments
- Baby rash ointments/creams
- Cold sore remedies
- Cough, cold & flu treatments
- Eye medications
- Digestive aids
- Feminine anti-fungal/anti-itch
- Hemorrhoidal preps
- Motion sickness
- Nasal sprays
- Pain relievers
- Respiratory treatments
- Sleep aids & sedatives
- Stomach remedies
*A prescription means a written or electronic order for a medicine or drug that meets the legal requirements of a prescription in the state in which the medical expense is incurred and that is issued by an individual who is legally authorized to issue a prescription in that state.
Dual Purpose Items – Items that can be used for a medical reason or for general health purposes are considered "dual purpose" and are eligible only with a prescription, doctor’s directive or letter of medical necessity. Examples include:
- Dietary and weight loss supplements
- Fiber supplements
- Orthopedic shoes & inserts
- Snoring cessation aids
- Vitamins and herbal supplements
Expenses that are NOT eligible – Expenses merely beneficial to general health or for cosmetic reasons are not eligible. Examples include:
- Cosmetic surgery
- Exercise equipment
- Fitness programs
- Hair transplants
- Illegal operations and treatments
- Moisturizers and wrinkle creams
- Teeth whitening services and products
- Toothpaste and mouth wash