Health Care FSA

If you enroll in the BCBSTX PPO Plan or the Kaiser HMO Plan, you can make before-tax contributions to the Health Care FSA which can be used to pay for eligible medical, dental, prescription drug and vision care expenses, health care supplies and certain over the-counter (OTC) medications (only with a prescription). Such expenses may include:

• Copayments
• Deductibles
• Prescription medications
• Insulin and diabetic supplies
• Charges for services or supplies that are not covered (or not fully paid) by your health plan, such as braces, hospital bills and speech therapy

You can contribute from $240 to $3,200 each year to the Health Care FSA. Your deduction per pay period is based on 24 pay periods for the year. If you join BMC during the year, deductions for your elected contribution amount are divided evenly among the pay periods remaining in the year at the time you enroll.

Eligibility for Health Care FSA reimbursements is limited to you and your legal spouse and children. Federal law prohibits the use of FSA funds for reimbursement of expenses for your domestic partner and your partner’s children unless they are your legal tax dependents.

How to Use Your Health Care FSA

If you have a Health Care FSA, you can use the money in that account to pay for out-of-pocket expenses. Use the NetBenefits AccessCard like a debit card or file a claim. To view your balance, go to the Fidelity NetBenefits website.

Expenses paid using the NetBenefits AccessCard debit card do not require you to submit a paper claim. Substantiation of your expense(s) may be required at any time, so keep all receipts and/or Explanation of Benefit forms. Fidelity will notify you if itemized receipts or additional documentation is required to validate your purchase. You’ll have 90 days to provide the requested documentation.

Carry Over up to $640

When you enroll in the Health Care FSA, you are allowed to carry over up to $640 of your unused balance to the following plan year. The amount carried over will automatically be added to your new plan year balance and immediately be available to pay for qualified medical expenses. The carried over amount will not count toward the annual maximum contribution you can make to your Health Care FSA in the coming year. The most you can carry over from one year to the next is $640. If you have more than $640 in your account at the end of the year, you will lose it.