FAQs

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• What is a Health Care FSA? Open Closed

  A Health Care FSA (HCFSA) is a pre-tax benefit account that's used to pay for eligible medical, dental, and vision care expenses that are not covered by your health care plan or elsewhere. With an HCFSA, you use pre-tax dollars to pay for qualifie… Read more…the full answer

• When is my HCFSA available to me, and how do I know how much is available? Open Closed

  This depends on when you enrolled in your HCFSA. If you enrolled during Open Season, your account is available on the first day of the benefit … Read more…the full answer

• Some OTC products can be used either for medical purposes or for general health/cosmetic purposes. Are these dual-purpose items reimbursable? Open Closed

  Any claim for an over-the-counter (OTC) dual-purpose item (which is not a medicine or drug) must be accompanied by additional supporting documentation from a licensed medical practitioner. This documentation must: Be on the licensed h… Read more…the full answer

• Are prescription drugs obtained outside the U.S. eligible for reimbursement? Open Closed

  In most cases, no. The Food and Drug Administration (FDA) has determined that the importation of prescription drugs from Canada and other foreign countries is illegal. However, there is one exception. If the FDA has approved the importation… Read more…the full answer

• How will I be reimbursed for orthodontia expenses? Open Closed

  You incur the expense for orthodontia work before submitting a claim for reimbursement, so it's important to save your receipts. You'll be able to submit a claim for expenses you pay during the current benefit period (plan year), even if the actua… Read more…the full answer

• How does carryover impact a Health Care FSA or a Limited Expense Health Care FSA? Open Closed

  The most significant change is that expenses reimbursed with carryover funds must be incurred between January 1 (or your effective date) and December 31 (or your separation date). In addition, you must reenroll each year to have access to any car… Read more…the full answer

• What type of expenses are eligible for reimbursement with funds that are carried over? Open Closed

  Carryover funds can be used for the same eligible medical, dental, and vision expenses that are covered with your Health Care FSA or Limited Expense Health Care FSA. For a complete listing of eligible expenses, please refer to … Read more…the full answer

• How do I know I have a carryover balance? Open Closed

  Simply log in to your online account or the FSAFEDS app. Your account balance, including your carryover balance, and other important account information will be displa… Read more…the full answer

• Are expenses paid with an HCFSA tax deductible? Open Closed

  If you use a Health Care FSA (HCFSA) to pay for eligible health care expenses, you cannot deduct those same expenses on your federal income tax return. However, your entire allotment (FSA contribution) is deducted from your pay … Read more…the full answer

• Why should I use an FSA for health care expenses rather than deducting the expenses on my income tax return? Open Closed

  Medical expenses that exceed 10 percent of your adjusted gross income (AGI) can be deducted on your federal income tax form. However, FSAs are tax-free from the first dollar. You do not have to meet the 10 percent AGI minimum before receiving the… Read more…the full answer