Health Care FSA
The Health Care Flexible Spending Account (FSA) lets you set aside money to pay for eligible health care expenses – before taxes are taken out of your paycheck. That means you pay less taxes.

How the Plan Works

• You can contribute from $100 to $3,300 each year.
• Your total annual election is divided into equal deductions throughout the year and is taken out of your paycheck before income taxes are determined (saving you money).
• You can use the money in your account to pay for eligible expenses. 
• You can use your total annual contribution at any time. For example, if you elected $2,000 for the year and incur $2,000 worth of expenses in February, you can be reimbursed for the entire amount at that time. You do not need to wait until you contribute $2,000 to your account.
• Up to $660 in unused contributions will roll forward to the following year. Amounts over $660 will be forfeited.
• You can only elect to participate or change your election as a new hire, during Annual Enrollment or if you have a qualified change in status. You must re-enroll each year during Annual Enrollment to continue to participate.

Limited Purpose FSA
If you are enrolled in a high-deductible health plan and consented to the Health Savings Account (HSA), your FSA is a Limited Purpose FSA. You can use money in your Limited Purpose FSA only for eligible dental and vision expenses. You cannot use it for medical or prescription drug expenses.

Paying for Eligible Expenses or Getting Reimbursed

There are two ways to pay for your eligible Health Care / Limited Purpose FSA expenses:

• Fidelity NetBenefits Visa AccessCard - After you enroll, you’ll receive a Fidelity NetBenefits Visa AccessCard in the mail, which can be used for eligible FSA expenses, and deducts the money directly out of your account.
  • Please note: Fidelity sends one NetBenefits Visa AccessCard that can be used for all the following accounts:
    • Health Savings Account (HSA)
    • Healthcare Flexible Spending Account
    • Limited Purpose Flexible Spending Account
    • Dependent Care Flexible Spending Account
  • If you already have a NetBenefits Visa AccessCard for one of the above accounts, you will not receive another card when electing an additional account type. Fidelity uses a “stacked card” that is configured to pull funds from the most appropriate account depending on the type of expense.
• Filing a claim for reimbursement - For some expenses, you must pay for the expense when it’s due and file a claim for reimbursement on Fidelity’s NetBenefits.com or the “NetBenefits” mobile app.

Either way, it’s important that you keep a copy of all of your healthcare expenses in a safe place.