Welcome, FSA Members

A Reimbursement Account is an employer-sponsored benefit that allows you to pay for certain medical-related expenses, dependent care expenses, plus parking and commuting services using pre-tax dollars.

That means you save money while increasing your take-home pay.

Which account is yours?

  • Healthcare Flexible Spending Accounts - Use pre-tax dollars to pay for eligible IRS § 213 healthcare expenses.

  • Dependent Care Reimbursement Accounts - Get reimbursed for daycare expenses for children 12-and-under or for adult daycare expenses for a disabled spouse or IRS tax dependent.

  • Commuter Expense Reimbursement Account - Use pre-tax dollars to pay for eligible parking and commuter transit expenses to and from work.


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How reimbursement accounts work: 3 simple steps

  1. First you determine how much in eligible out-of-pocket expenses you have each year.
  2. Then you have that amount (divided by the number of payroll periods) automatically set aside from your paycheck. The money is pulled out before taxes are deducted and held in a special account for you.
  3. When you pay eligible expenses, you get reimbursed from your reimbursement account tax-free.

The bottom line: you get more spendable income for paying bills—or planning that much-needed vacation.

To help determine how much money you should set aside for your FSA, use the expense worksheet to calculate your out-of-pocket expenses for the year.

FSA Overview Brochure

Substantiate a claim

Benefits Card transactions

Your Benefits Card is a smart card, meaning certain services and transactions are automatically substantiated and require no additional action. Expenses outside of the smart card capabilities do require additional third-party documentation to be eligible for the tax benefit provided by your account(s).

To process your transaction quickly, please fill out the transaction substantiation form.

Get reimbursed

Your FSA permits reimbursement for medical expenses allowed under Internal Revenue Code section 213(d). In order to comply with these mandates, we require documentation from a third-party to verify that the expense is eligible for reimbursement under an FSA.

To submit an expense for reimbursement, please use the FSA Reimbursement Request form.

How to enroll in your Flexible Spending Account

It’s easy, just follow the simple steps below. Please note that your employer will need to be contracted with BenefitHelp Solutions for you to use this benefit.

1. To enroll in the Flexible Spending Account(s) (FSA), please contact your Human Resources (HR) or Employee Benefit department to obtain instructions on enrollment.

2. Determine how much you expect to spend during the plan year on childcare and medical expenses not covered by insurance by using the enrollment worksheet. You may also want to review the listing of eligible & ineligible expenses to verify that expenses you are considering for reimbursement are eligible.

a. The healthcare maximum is determined by your employer
b. The Dependent Care tax year maximum is mandated by the IRS at $5,000 per family ($2,500 if married filing separately).

3. If your employer uses forms, complete the enrollment form you obtained from HR. Sign, date and return your enrollment form to your employer. Do not send to BenefitHelp Solutions.

4. Your employer will automatically deduct the amount requested from your paycheck and send it to BenefitHelp Solutions to be deposited in your FSA account(s).

 

Rules and Guidelines

A few important rules to consider before making your annual election:

  • You cannot change or revoke your healthcare or dependent care annual election unless you experience a qualified life event.
  • Use it or lose it. All funds deducted from your paycheck must be used during the plan year or funds will be forfeited. It is very important to only deduct what you normally expect to pay for out-of-pocket expenses. If your employer offers an FSA carryover, you may be able to roll up to $500.00 into the next plan year.
  • Participation in the Flexible Spending Accounts may slightly reduce your Social Security Benefits.
  • Funds cannot be moved from your healthcare to your dependent care account or vice versa.
  • Only expenses incurred while you are an active participant in the Flexible Spending Accounts are eligible for reimbursement. Expenses incurred prior to your effective date or incurred after termination in the plan are not eligible for reimbursement.

 

Resources

Need to make changes to your account, determine eligibility or make payments? Check our Member Resources page for additional forms and helpful information.

Still didn’t find what you’re looking for? See what other members are asking about below.

To view your balance, log in to your member portal. You'll have the option to choose between reviewing your 2018 benefits and creating a login for your 2019 plan. If you do not utilize online account access, contact our Customer Service team at 888-398-8057. Customer Service is available to assist you Monday - Friday, 7:30 a.m. - 5:30 p.m.

IRS Code 213D requires all claims be substantiated to ensure reimbursement occurs only for eligible expenses. To view eligible expenses, log in to your member portal.

No. A benefit card may only be used for current plan year expenses per IRS Code 213D.

In order to change your healthcare or dependent care election, you must first experience an IRS Qualified Life Event. Qualified Life Events include certain changes in family or work status. Please contact your employer to determine if you have experienced a Qualified Life Event.

Examples of Qualified Life Event Changes:

  • Marriage
  • Divorce
  • Birth or adoption of child
  • Death
  • Change in employment status for you, your spouse or tax dependent
  • Change in dependent care provider
  • Increase or decrease in dependent care provider charges

NOTE: Your election change must be consistent with the Qualified Event.

Please refer to your Summary Plan Description for more details.

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