Flexible Spending Accounts

A flexible spending account (FSA) can help you save and set aside money to use toward paying eligible expenses like medical costs, childcare, and other health services. You keep more of your money because you don’t pay taxes on the money you put into your FSA. The amount you save depends on how much you put into your FSA and your income tax rate.

It's important to remember you’ll need to re-enroll in your FSA each plan year.

How an FSA works
Before your plan year begins, you decide how much money you want to put into your FSA. If you’re not sure, you can use the FSA Savings Calculator.
When the plan year starts, money is automatically deducted from your paycheck before federal, state, or Social Security taxes are taken.
As eligible expenses incur, you can use your FSA to help pay for them. Your entire FSA amount is available to you on the first day of your plan year, so you don't have to wait until the money is reflected in your current balance to use it.

How to get reimbursed

Getting reimbursed from your FSA for eligible expenses is easy - just submit your claims online at myuhc.com. Using myuhc.com also makes it easier for you to track account balances and turn on direct deposits for fast reimbursements directly into your personal bank account.

You may also have automatic payment available to you where claims will be submitted from our claims system and reimbursed to you. You can manage that setting on myuhc.com.

How to manage spending your FSA

Health Care Flexible Spending Account

Sign up for a health care flexible spending account (FSA) to help pay for eligible health care expenses with tax-free dollars.

What Health Care FSA pays for
Here is a list of some eligible expenses that you can pay for with a health care FSA. For a full list of expenses and rules, visit irs.gov.

Common expenses
Acupuncture
Blood sugar test kits
Breast pumps and lactation supplies
Chiropractor visits
Dental services like cleanings, fillings, X-rays and braces
Doctor visits, X-rays and lab work
Hearing aids and batteries
Health plan deductible, coinsurance and copayments
Lasik eye surgery
Prescribed, over-the-counter medicines
Prescriptions — retail and mail

Sunscreen SPF 30 or higher
Surgery, excluding cosmetic surgery
Vision services like exams, eyeglasses, frames and contact lenses

Dependent Care Flexible Spending Account

When you sign up for a dependent care flexible spending account (FSA), you can save money — federal tax-free — to help pay for eligible day care and elder care expenses.

What Dependent Care FSA pays for
Here is a list of some of the eligible expenses that you can pay for with a dependent care FSA. See a full list of expenses and rules at irs.gov.
Childcare expenses

Before and after school care and extended care programs for dependents under age 13
Babysitter — who is not your child, under age 19 and a tax dependent
Childcare and qualified childcare centers for dependents under age 13
Nursery school
Preschool
Elder care expenses

Adult day care center for dependents age 13 or older who are not able to support themselves
Elder care while you work - in your home or someone else’s
Senior day care

Flexible spending accounts (FSAs) are administered by UnitedHealthcare and are subject to eligibility and restrictions. A flexible spending account is not insurance. It may also be referred to as a flexible spending arrangement. This communication is not intended as legal or tax advice. Please contact a competent legal or tax professional for personal advice on eligibility, tax treatment, and restrictions. Federal and state laws and regulations are subject to change.

Flexible Spending Accounts

How an FSA works How an FSA works

How to get reimbursed How to get reimbursed

How to manage spending your FSA How to manage spending your FSA

Health Care Flexible Spending Account

What Health Care FSA pays for What Health Care FSA pays for

Dependent Care Flexible Spending Account

What Dependent Care FSA pays for What Dependent Care FSA pays for

How an FSA works

How to get reimbursed

How to manage spending your FSA

What Health Care FSA pays for

What Dependent Care FSA pays for