Flexible Spending Accounts

Health Care Account

Health care accounts allow you to pay for certain eligible expenses using pre-tax dollars. Health Care FSA accounts are established on a “use it or lose it” basis, meaning if you do not use the money you have contributed each year, your remaining funds will be forfeited. You can contribute up to $2,750 to your healthcare FSA through pre-tax payroll deductions.  You must submit claims to Cigna for reimbursement of eligible expenses online, by mail, or fax.

The Health Care FSA can be used to reimburse eligible expenses that are not covered under your medical, dental, or vision coverage. For 2020, you can set aside up to $2,750 and expenses are reimbursed as you receive the services.

Important Note: If you enroll in the CDHP (Consumer Driven Health Plan) for 2020 and you still have funds in your Health Care FSA from 2019 that you are using through the March 31, 2019 grace period, you will not be able to contribute any funds to your HSA until April 1, 2020.

Eligible expenses are set by the IRS and include:

  • Deductibles (for medical, dental  and vision)
  • Copayments
  • Chiropractor costs, and more
  • Coinsurance
  • Prescriptions

 

 For a full list of eligible expenses, see IRS publication 502.

 

Dependent Care Account

If you have dependents, you may have to pay a caregiver to look after them while you work or attend school. Dependent care accounts allow you to set aside tax-free money and use it to pay daycare expenses. Eligible dependents can be children under age 13 or adults that are elderly or disabled and rely on you for support. You can contribute up to $5,000 to your dependent care FSA through payroll deduction. You must submit claims to Cigna for reimbursement of eligible expenses online, by mail, or fax.

Examples of eligible dependent care expenses include:

  • Child or adult daycare center fees
  • Before-school or afterschool care (not including tuition expenses)
  • In-home care costs
  • Summer or holiday day camp
     

For a full list of eligible expenses, see IRS Publication 969.

 

Claim Submission Deadline:

2019 Health Care FSA Claim Submission Deadline

If you are enrolled in a Health Care FSA for 2019, you must use your funds by December 31, 2019. All expenses incurred by December 31, 2019, must be submitted to Cigna no later than March 31, 2020 for reimbursement.

2019 Dependent Care FSA Claim Submission Deadline

If you are enrolled in a Dependent Care FSA for 2019, you may continue to incur claims through March 15, 2020 and file claims by March 31, 2020 for reimbursement from your Dependent Care FSA.

2020 Health Care FSA Claim Submission Deadline

If you are enrolled in a Health Care FSA for 2020, you must use your funds by December 31, 2020. All expenses incurred by December 31, 2020, must be submitted to Cigna no later than March 31, 2021 for reimbursement.

2020 Dependent Care FSA Claim Submission Deadline

If you are enrolled in a Dependent Care FSA for 2020, you may continue to incur claims through March 15, 2021 and file claims by March 31, 2020 for reimbursement from your Dependent Care FSA.