Flexible Spending Account

A Flexible Spending Account (FSA) is a special account you put money into that you use to pay for certain out-of-pocket health care costs. You don't pay taxes on this money. This means you'll save an amount equal to the taxes you would have paid on the money you set aside. Associates are eligible to participate in the Flexible Spending Accounts offered through Optum Bank. Uptima offers a Medical FSA, Limited FSA, and Dependent Care FSA option.

Learn More

Watch this video to learn more about Flexible Spending Accounts.

FSA BASICS

  • Money deducted from your paycheck pre-tax.
  • Used for eligible health care, dental or vision
  • You may use your Health Care or Limited FSA funds in advance of contributing the full annual amount.
  • Everyone must re-enroll every year.

USING YOUR FSA

  1. Pay out-of-pocket and submit claims online or via mobile app
  2. Use your FSA debit card to pay for eligible expenses
  3. Keep all receipts in case you need to provide documentation

Health Care FSA

Available with:

PPO Plan Only

A Health Care FSA is a pre-tax spending account that you can use to pay for eligible medical, dental and vision care expenses that aren't covered by your health insurance plan.

Availability of Funds: Effective date

View Eligible Expenses

Limited FSA

Available with:

HDHP Plan

A Limited FSA is a pre-tax spending account that can only be used for eligible dental and vision expenses.You can use your funds to pay for a variety of dental and vision care products and services for you, your spouse or domestic partner, and your dependents.

Availability of Funds: Effective date

View Eligible Expenses

Dependent Care FSA

Available with:

PPO Plan & HDHP Plan

A Dependent Care FSA is a pre-tax spending account used to pay for eligible dependent care services, such as preschool, summer day camp, before or after school programs, and child or adult daycare.

Availability of Funds: As they are deposited

View Eligible Expenses

Maximum Contribution

Health Care Flexible Spending Account1,2

$3,300

Sample Expenses: Medical, dental, vision, pharmacy copays, deductible & coinsurance, glasses, contacts, vision correction surgery

Limited Flexible Spending Account1,2,3

$3,300

Sample Expenses: ONLY eligible dental and vision expenses

Dependent Care Flexible Spending Account1,4

Single or married filing a joint return: $5,000

Married filing separate return: $2,500

Sample Expenses: Daycare, after-school care, elder care

  1. The IRS requires you to keep copies of all expenses in which your FSA dollars were used.
  2. Annual pledged contribution is available on your effective date of coverage.
  3. If you elect to participate in the High Deductible Health Plan and contribute to a Health Savings Account (HSA), you qualify for the Limited FSA (not the Full Health Care FSA) and your flex dollars may only be used for eligible dental and vision expenses, NOT medical or pharmacy expenses.
  4. Annual pledged contribution is available to the extent of employee contribution.

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