The Flexible Spending Account (FSA) program is a benefit that enables you to SAVE MONEY by placing pre-tax dollars in an account for unreimbursed healthcare or dependent care expenses. Employees determine the amount to contribute for the year via payroll deductions. 

The plan year runs from January 1st through December 31st

Please be advised Flexible Spending Accounts are regulated by the IRS

IRS substantiation guidelines have tightened up. Participants will be receiving more frequent claim substantiation requests to ensure the plan funds are being utilized appropriately. Although an FSA debit card does a good job weeding out most ineligible items/services, there are times when eligible providers provide ineligible services (for example, teeth whitening at a dentist or Botox at a doctor's office). Please note that documentation should be kept for all claims, even if it is not requested, as it will be needed in the event of an IRS audit.

Initial enrollment must occur within 30 days of hire or during the open enrollment period (November 1st – November 30th).  Employees determine the amount to contribute for the year via payroll deductions. It is called your annual election. This amount will be pro-rated over the remaining pay periods in the plan year (January 1 - December 31) for newly hired employees or for those who are enrolling due to life-changing events at a time other than the beginning of the calendar year.

EXAMPLE - If you enroll in in October and choose a max amount of $2500, your deductions are calculated using the paychecks you are receiving for the remainder of the calendar year (October, November and December)

Health Care (Medical) FSA

A Health FSA is so much more than Doctor and Prescription Co-Pays.  It’s also for regular expenses associated with: 

• OTC medicine and drugs such as allergy, sinus, cold, and flu products 

• OTC supplies such as skincare products & sunscreen, bandages, contact lens solution & supplies, feminine care products, first aid supplies, pregnancy tests, and reading glasses 

• Prescriptive glasses and contact lenses (even prescriptive sunglasses) 

• Home medical devices such as blood pressure monitors, glucose tests & monitors breast pumps & accessories, and CPAP accessories 

2026 Limits:
Maximum annual election - $3,400 maximum 
Minimum annual election - $200 minimum

You must incur eligible expenses between January 1st and December 31st to be reimbursed from the amount you contribute to your Health Care FSA during your plan year.  There is a $680 Roll-over feature. Up to $660 in unused funds can roll from one plan year to the next. Any excess funds in excess of $680 will be lost. Rollover funds will become available on your TASC Card in April even if you do not re-enroll for the following year. Separation from service is the only circumstance that would prevent you from utilizing the rollover funds in the future.

For more information on Medical FSA click HERE 

All eligible expenses can be found HERE

Complete and Sign ENROLLMENT FOR. If you are signing up for JUST Medical FSA, then just complete that section only.

If you are enrolling in BOTH FSA for medical and Dependent Care, complete the section for each.

If you are enrolling in FSA for medical, Dependent Care and Commuter (Commuter is for BCSA, PCTEA, Exempt , and BEST only) then complete the section for each one.

Dependent Care (DCA) FSA

Expenses that are eligible for reimbursement include such items as childcare and eldercare services.  The Dependent Care FSA can help you pay your eligible out-of-pocket dependent care costs. Expenses are limited to household services or the care of one or more qualifying individuals (i.e., a dependent child less than age 13 or a dependent adult), while you are at work.

2026 Limits:
Maximum annual election - $7,500 (if single or if married and filing jointly)
Maximum annual election - $3,750 (if married and filing separately) 
Minimum annual election - $200

The Dependent Care Flexible Spending Account plan has a grace period of 75 days.  This means that any funds from your previous years' account remaining after December 31st can be used for any qualifying purchase for up to 75 days in the following year. 

Reimbursement Claim Forms must be submitted by March 31st.  

For more information on DCA click HERE

Complete and Sign ENROLLMENT FORM. If you are signing up for JUST Dependent Care, then just complete that section only.

If you are enrolling in BOTH FSA for medical and Dependent Care, complete the section for each.

If you are enrolling in FSA for medical, Dependent Care and Commuter, (Commuter is for BCSA, PCTEA, Exempt , and BEST only) then complete the section for each one. then complete the section for each one.

LIFE QUALIFYING EVENTS
Qualifying life events can occur that alter your necessary Flexible Spending coverage. The birth of a child, marriage, or a change in employment, will all affect coverage for your FSA plan. When such an FSA qualifying event occurs, you are allowed to make a mid-year election change to your FSA.  Use the enrollment form at the top of the page to create an account or change your annual limit. 

Detailed information can be found by clicking HERE.

RESOURCES TO DETERMINE IF AN FSA IS RIGHT FOR YOU! 
When you enroll in an FSA, you receive the Ameriflex Benefits Card.  This is a convenient debit card that can simplify the process of paying for eligible expenses under your FSA, such as co-payments, prescriptions, glasses, dental expenses, and more. 

The matrix below is an example of how enrollees save money with a Flexible Spending Account.  Estimate how much YOU CAN SAVE per year by using this online 

Help Center and Support

You can access the Help Center at myameriflex.com/HelpCenter

The Ameriflex Participant Services Team is available Monday - Friday, 8AM - 8pm & Saturday 10AM - 2PM

Call: 888.868.3539

Email: service@myameriflex.com

Live Chat: myameriflex.com