Health Care Flexible Spending Accounts (FSA)

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Used to pay for a variety of medical, dental and vision expenses for you, your spouse and your dependents, including copays, coinsurance, deductibles, prescription expenses, lab exams and test, contact lenses and eyeglasses.

HRC - Healthcare Flexible Spending Account (FSA) Information

Why enroll in a Healthcare Flexible Spending Account?

  • Save an average of 30% on a wide variety of eligible healthcare expenses by paying for them on a pre-tax basis.
  • No Waiting - access the full amount of your annual election on the first day of the plan year.
  • Save time - choose from several convenient, hassle free payment and reimbursement options.

How does the FSA Work?

You choose to enroll in the FSA through your employer, which is administered by HRCTS. Complete the election form indicating how much you would like to withhold from your payroll on a pre-tax basis. HRCTS sends you a VISA debit card preloaded with your full election amount to pay for qualified medical, dental, and vision expenses during the FSA Plan Year. You save money by putting the funds away pre-tax, and you have the entire election available to you on day one to help cover out-of-pocket healthcare expenses for you, your spouse, and eligible tax dependents.

Examples of Eligible Expenses:

  • Medical – deductibles, co-pays, co-insurance, diagnostic tests, lab work, chiropractic care
  • Dental – orthodontia, x-rays, fillings, sealants, crowns, root canals, and dentures
  • Vision - contacts, glasses, Lasik eye surgery, prescription sunglasses and contact lens solution.
  • Prescriptions - all prescriptions are covered. This includes over-the-counter medications with a prescription.
  • Over-the-Counter - first aid supplies, hearing aids, orthopedic inserts, thermometers, and sunscreen

* Treatments for cosmetic reasons are not covered.

* Some services/purchases need to have a letter of medical necessity or prescription to be eligible.

* You can access an updated list of eligible expenses at: Welcome HRCTS Participants | FSA Store

* Please note this list of eligible expenses is subject to change according to the IRS Regulations.