Flexible Spending (FSA)

Flexible Spending Accounts (FSA) allow you to designate a set amount of money and have it taken out of each paycheck and deposited into an account to be used for specific expenses.  Federal Income and Social Security taxes will not be withheld from your contributions, making your taxable income lower.  You may enroll in the Healthcare FSA for medical, dental, vision, pharmacy, and other related expenses and / or the Dependent Care FSA, primarily for dependent day care expenses.  Consolidated Admin Services (CAS) is the administrator for your FSA plans. 

Healthcare FSA accounts are limited to $3,300 per year for 2025 per employer. If you're married, your spouse can contribute up to the max their employer allows as well. The convenience of a prepaid benefits card makes it easy to manage your expenses. Additionally, you can carry over up to $660 from one year to the next, helping to minimize the risk of forfeiting unused funds at the end of the plan year.

For Dependent Care FSAs, you may contribute up to $5,000 if you are married and filing a joint return, or if you are a single parent. If you are married and filing separately, you may contribute up to $2,500 per year per parent. 

 

Important Documents

Use the money in these accounts to pay for eligible out-of-pocket healthcare (medical, dental, vision expenses) and dependent care (day care) expenses for yourself, your spouse, your children or for any person you claim as a dependent on your federal income tax return. 

Remember to carefully estimate your plan year expenses when making an election. Typically, you must use all of the funds in your account by the end of the plan year or the money is forfeited per the IRS regulations.

 

2025 Plan Year Maximums

  • Healthcare FSA: $3,300
  • Dependent Care FSA: $5,000

 

Important Termination and Retirement Information:

Please note: if you terminate employment or retire, eligible FSA claims must be incurred prior to your benefits-end date, regardless of your FSA balance.

Healthcare FSA

Eligible Healthcare FSA expenses for you and your taxable dependents include deductibles, copays, coinsurance, prescription drugs, over-the-counter drugs (no prescription required), dental, and vision expenses. Certain over-the-counter (OTC) medications and supplies are eligible for reimbursement without requiring a prescription.  A list of eligible vs. ineligible expenses is available on the Resources page.

You are not eligible to participate in the Healthcare Flexible Spending Account (FSA) plan if you are currently enrolled in a Health Savings Account (HSA).

Dependent Care FSA

If your spouse is not employed, your dependent care expenses are not eligible for reimbursement unless your spouse is a full-time student or is physically or mentally incapable of caring for himself / herself.  

Eligible childcare providers can be individuals, such as a family member or friend. However, it's important to note that this category excludes individuals under the age of 19 who are related to you, including your own child or stepchild. Additionally, the caregiver cannot be someone whom you list as a dependent on your federal tax return.

To claim reimbursements for dependent care through this FSA, you must ensure that the service provider has either a federal tax ID number or a valid social security number. This documentation is essential to facilitate the reimbursement process.

Eligible Expenses Must Be for the Care of:

  • A dependent child who is under age 13 and whom you claim as an exemption on your tax return
  • A dependent child, elderly parent, or relative who is physically or mentally incapable of caring for himself or herself

Convenient Debit Cards

Debit Card Purchases

FSA participants receive a CAS Visa debit card to make it easy to pay for eligible services and products.  When you use the card, payments are automatically withdrawn from your account.  When you use your debit card, it is important to retain all receipts.  Most expenses can be validated through the card transaction, but you may need to provide receipts for certain transactions.  When the debit card is not accepted by physicians or pharmacies, you are required to pay for the expense and submit a claim for reimbursement.

 

 

Manual Claims
Not all vendors accept the debit card.  Should you need to pay for an eligible expense and be reimbursed from your FSA, you will need to submit a claim for that reimbursement.

Use It or Lose It

Before enrolling, you need to decide how much to contribute to your account(s). Take some time to estimate your expected eligible medical and dependent care expenses for the upcoming year. Remember, unused medical funds up to $660 can be rolled over, but dependent care funds do not carry over. Throughout the year, you may incur expenses that are not covered by insurance. Using an FSA can help reduce your taxable income and lower your out-of-pocket costs by covering expenses you would incur regardless.  For 2025, the rollover maximum is $660.

IRS regulations require appropriate documentation to ensure your claims are valid expenses.  You will be asked to provide receipts as documentation for most expenses.  Retain receipts and provide them promptly upon request. 

The FSA plan year for 2025 is January 1 through December 31.

Secure Member Portal and Mobile App

You’ll receive access to a secure, easy-to-use member portal where you can track your balance, view your claims, and submit claims for reimbursement.  It’s important for FSA members to manage your account using the member portal. 

You may also access your FSA account details through your mobile device with the Consolidated Administrative Services app.  On the app, you can access your account details, and claims and documentation may be easily submitted using your phone.

 

Non-Medical Enrollment and Questions:
(866) 606-6865

Medical Enrollment and Questions:
(800) 610-1863

General Questions: help@tcjacketsbenefits.net

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