Save Money with Healthcare FSA and Dependent Care FSA Plans

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Welcome Employees!

This website has been created just for you and your family members with quick and easy access to our commonly requested information, education materials and resources.

Plan Information

Save money with a healthcare FSA

Get more out of your money by participating in a Healthcare FSA. You can choose how much of your paycheck you’d like to set aside, before taxes are taken out, for healthcare expenses. This saves you money by reducing your taxable income.

You can save on a variety of expenses, including: 

  • Doctor and dental copays
  • Health plan deductibles and coinsurance
  • Eligible over-the-counter expenses, such as pain relief medications and cold/flu products
  • Prescription drugs and medicines
  • Eye exams and eyeglasses

Check out our eligible expense list for a complete list of FSA expenses.

Eligibility

Healthcare FSA funds can be used on you, your spouse, and eligible dependents. You are eligible if you or your spouse aren’t actively enrolled and contributing to a health savings account (HSA).

Funds on Day 1

Schedule that surgery, buy those eyeglasses or finally get those braces. All of your Healthcare FSA funds are available to spend on your first day of coverage. Use your benefits debit card at the point of purchase.

How do I determine my FSA contribution?

Think about the money you spent on you and your family’s healthcare expenses last year. Will your expenses be similar in the future? Set those funds aside in a Healthcare FSA and save 30% (based on a 30% tax bracket).

Elect up to $2,750 for year 2022.

Run-out period

A run-out period is a timeframe in the new plan year during which you can file claims for expenses incurred in the previous plan year. Your plan year expires on December 31, 2022, which is the last day you can incur claims for a plan year. However, you have until the end of your run-out period, which is March 31, 2023 to submit claims for the 2022 plan year.

Carryover

Due to COVID-19 relief measures, you may roll over all unused money from your 2021 Healthcare FSA and 2021 to your 2022 accounts to use for eligible expenses. The carryover will be effective January 1, 2022, and any funds will be available for use in April 2022.

You may carry over $50 – $570 of unused funds from your 2022 Healthcare FSA to your 2023 account to use for eligible expenses. The carryover will be effective January 1, 2023, and any funds will be available for use in April 2023.

Claim filing

Your employer provided us with BJC’s medical, dental and vision copay amounts. When a match occurs at the time your benefits card is swiped, transactions for these amounts are automatically approved. Except for copays, benefits card transactions will likely require additional documentation. Do not use your benefits card when the provider estimates the cost of the services.

You can file a claim easily with: 

The Benefits Mobile App

You can file claims and submit documentation in seconds using the Benefits Mobile App. Our app is the quickest and easiest method for filing claims and submitting documentation. Just use your phone’s camera to take a picture of documentation and upload it on the spot. The app also allows you to: 

  • Get instant notifications on the status of your claims. 
  • Check your balance and view account activity. 
  • Report a card as lost or stolen to keep your account secure. 
  • Determine 213(d) eligible expenses by using the eligible expense scanner and your phone’s camera. How to use the Benefits Mobile App eligible expense scanner
Online account 

You can also file claims through your online account by clicking the “File A Claim” button within the “I Want To” menu on the homepage of your online account. 

Note: You may also file a claim by submitting a Claim Form and supporting documentation via fax or mail. Failure to submit supporting documentation within a timely manner can result in having your debit card temporarily suspended. Common reasons for benefits debit card suspensions

Knowledgebase

Once you’re enrolled, check out the knowledgebase to quickly search for answers to your questions. The knowledgebase boasts millions of views of our microvideos, articles, and step-by-step how-tos that empower you to get the most out of your benefits.