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Maximize Your Health Care FSA Value
  • Estimate Health Care FSA expenses carefully! The “use it or lose it” rule applies.
  • Dollars in the account are deposited pre-tax — they are not subject to income taxes
  • Budget for big expenses (like LASIK or orthodontia), so you can use your Health Care FSA for your share of the cost
  • Complete reimbursement requests for eligible Health Care FSA expenses before plan deadlines

2014-2015 Health Care Flexible Spending Account (FSA) At-A-Glance

You can use this account to pay for certain health care expenses not covered by your benefit plans. For the 2014–2015 plan year, you can contribute from $60 up to $2,500 to a Health Care FSA.


Expenses Eligible for Reimbursement

Expenses NOT Eligible for Reimbursement

     Medical and dental deductibles and copays;

     Out-of-pocket costs for hospital or physician care;

     Non-reimbursed prescriptions and copays;

     Over-the-counter medications and drugs (such as pain relievers, antacids and allergy and cold medicines) with a doctor’s prescription;

     Dental care, including orthodontia;

     Vision care, including exams, eyeglasses and contact lenses;

     Hearing aids; and

     Other expenses considered eligible by the IRS.

     Health insurance contributions;

     Health insurance premiums under your spouse’s plan;

     Over-the-counter medications and drugs (such as pain relievers, antacids and allergy and cold medicines) without a doctor’s prescription;

     Most cosmetic surgery procedures; and

     Dietary supplements/vitamins, cosmetics, toiletries and sundry items.


For a complete list of eligible expenses, visit


When you first enroll for the FSA, you will receive a Flexible Spending Account Card in the mail from APD. Once you activate the card, you can use it to pay for your eligible health care expenses. If you are currently enrolled in an FSA, you will receive a new card when your current card expires (the expiration date is listed on your card).


You can still choose to submit paper claims instead of using your FSA Card. Reimbursement checks will either be mailed directly to your home or wire-transferred to an account you designate via Electronic Funds Transfer (EFT).


When submitting a claim, remember to include your Explanation of Benefits (EOB) if you are filing a claim for health care expenses partially covered by an insurance plan.


Please keep your receipts until your claim is validated by ADP.


You can be reimbursed for up to the amount you elected to deposit for the plan year, even if you have not yet made the full contribution for your FSA.


Important Health Care FSA Rules

     You must re-enroll every year in order to participate in the Health Care FSA.

     Any unused funds left after September 15, 2015, will be forfeited. You can submit expenses until December 31 after the end of the plan year.

     Expenses paid through the Health Care FSA cannot be claimed as a tax deduction on your federal income tax return.

     Hold on to your receipts. The administrator has the right to request receipts for the money spent using your Health Care FSA Card.

Did you know that you can submit your Flexible Spending Accounts (FSA) claims and validate your debit card swipes online?

Online Claims Submission:

Once you log into your spending account, click on the “Online Claim Submission” link. Then, just follow the directions.


Card Transaction Validation:

Once you log into your spending account, find your debit card swipes that need attention by clicking on “Advanced Search” from the left navigation bar and selecting “Recent claims needing my attention.” Then, double click on the card transaction and select the “Upload documentation” button and follow the steps.

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