Limited Use FSA (for HSA Enrollees)

The Limited Use FSA is available only if you enroll in the BCBSTX HSA medical plan. You can contribute from $240 to $3,300 each year to the Limited Use FSA. The Limited Use FSA gives you the option to use before-tax money to pay for non-medical expenses without tapping into your HSA funds, which you may be accumulating for retirement. There are two ways to use the Limited Use FSA.

1) Before you meet your BCBSTX HSA medical plan deductible:

Your Limited Use FSA funds are available only for certain non-medical expenses, including:

• Dental care and orthodontia, such as fillings, X-rays, braces, caps and mouth guards (not oral surgery)
• Vision care, including eyeglasses, contact lenses, solutions and supplies, and LASIK eye surgery

2) After you meet your deductible:

Your Limited Use FSA funds are available for all FSA-qualified health care expenses incurred after the date you met your deductible, including coinsurance and copayments—just like a Health Care FSA.

The Limited Use FSA is available only if you are enrolled in the BCBSTX HSA medical plan and contributing to the Health Savings Account.

How to Use Your Limited Use FSA

You will use a single debit card to access funds from both your Health Savings Account and from your Limited Use FSA, if you contribute to this account. Expenses paid from your Limited Use FSA may require substantiation. Expenses paid from the Health Savings Account do not require substantiation. View your Health Savings Account or Limited FSA balance on the Fidelity NetBenefits website. If you have a Health Savings Account and contribute to a Limited Use FSA, here’s how the NetBenefits AccessCard works to pay for eligible expenses:

• When you use the NetBenefits AccessCard to pay for dental and vision care expenses, funds are taken from your Limited Use Flexible Spending Account.
• When you use the NetBenefits AccessCard to pay for medical services and prescription drugs, funds are taken from your BCBSTX Health Savings Account.

Using Your Limited Use FSA for Medical Expenses

You can begin paying for eligible medical services and prescriptions drugs with your Limited Use FSA once you’ve met your HSA Plan deductible. To start using your Limited Use FSA, submit the Deductible Verification Form to Fidelity. You will receive an email from Fidelity within 24 to 48 hours confirming that you have been enrolled in a Post Deductible FSA and can begin submitting medical and prescription drug expenses for reimbursement.