Now Your Payckeck can Buy More!

Sometimes referred to as a cafeteria plan, flex plan, or Section 125 plan, a Flexible Spending Account (FSA) lets you set aside a certain amount of your paycheck into an account, before paying income taxes. During the year, participants have access to this account for reimbursement of expenses that insurance does not cover. When you use tax-free dollars to pay for these expenses, you realize an increase in your spending power, and substantial tax savings.

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For Example:

• Deductibles, co-pays, and other eligible expenses not covered by insurance.
• Prescription drugs and medical supplies.
• Over-the-counter drugs that are medically necessary like allergy medications, aspirin, or antacids.
• Dietary supplements and vitamins with doctor's letter of medical necessity.
• Dental services, orthodontics, and dentures.
• Eyeglasses, contacts, solutions, and eye surgery.
• Weight-loss programs (associated with specific disease).
• Chiropractic services.
• Psychiatric care and psychologist’s fees.
• Smoking-cessation programs.
• Smoking-cessation over-the-counter drugs.
• Adult and child daycare services.
• Adoption expenses.

Dependent Care Coverage through an FSA:
Dependent Care is for any child 13 years of age and younger as long as both parents are working and/or going to school or a parent that is not able to take care of him/herself and need adult daycare assistance while guardian(s) can work.

• You have to be the legal guardian of such parent if you elect this benefit.
• It does not have to be a licensed childcare but the individual caring for your child has to be at least 19 years of age and cannot live in the same household as you. You will need their Social Security number when filing your claims.
• The care has to be so you can work. If you want to go out for an evening, this does not count as a qualifying expense.
• Mothers day out programs for moms who need sometime do not qualify unless you are working.
• Summer Camps are included but the plan will not reimburse for meals and overnight stays. We will prorate the amount if that is the case.
• If your grandmother or another family member not living in the same house watches your children and you pay