Support & FAQ

Healthcare FSA

  • What is a Healthcare FSA?

    A Healthcare Flexible Spending Account, or "FSA," is a pre-tax benefit account that you can use to pay for eligible medical, dental, and vision care expenses that aren’t covered by your health insurance plan. You decide how much to contribute to your Healthcare FSA each year, and funds are withdrawn automatically from each paycheck for deposit into your account before taxes are deducted. The total amount you elect to contribute to your Healthcare FSA each year is available on the first day of your plan year.


    Generally, you need to spend the funds in your Healthcare FSA within the plan year. However, your employer may provide you a grace period of 2-½ months after the end of the plan year to spend funds left in your account. Or your employer may allow you to carry over up to $500 left in your account into the next plan year.

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  • What kinds of expenses are covered by a Healthcare FSA?

    A lot of different kinds, you would be surprised. Your Healthcare FSA covers hundreds of eligible healthcare expenses, like co-payments for doctor visits, prescription drugs, and new eyeglasses or contact lenses.


    Here's a handy list of eligible expenses to review, download, or print out for future reference. Please keep in mind that IRS rules determine which expenses are eligible, and some expenses require a doctor's note or prescription to be eligible for reimbursement under your Healthcare FSA.

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  • Which expenses are not covered by a Healthcare FSA?

    Your Healthcare FSA does not cover these expenses:

    • Cosmetic surgery and procedures
    • Dental whitening
    • Expenses for healthcare services rendered outside the coverage period
    • Expenses reimbursed by an insurance provider or another health plan
    • Family or marriage counseling
    • Herbs, vitamins, supplements, or other over-the-counter items used for general health
    • Insurance premiums
    • Personal use items (e.g., toothpaste, shaving cream, cosmetics)

    Looking for a particular type of expense? Please check the list of eligible expenses or log into your WageWorks account for a comprehensive list of eligible expenses under your particular Healthcare FSA.

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  • How is a Healthcare FSA funded?
    You fund your Healthcare FSA through your employer. During your company's Open Enrollment period, you tell your employer how much you would like to contribute to your account for the coming year. The maximum amount you can contribute is determined by the IRS. For 2015, it is $2,550. Your employer then deducts your contribution amount (in equal portions) from your paychecks throughout the plan year. And the good news - you don't have to wait for funds to build up in your Healthcare FSA! Your entire annual election amount is available to you on the first day of your plan year. If you are carrying funds over from the previous plan year (up to $500), that counts in addition to your maximum annual contribution, so you could have a balance of as much as $3,050.
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  • How do I use my Healthcare FSA funds?

    There are several ways you can use the funds in your Healthcare FSA:

    • You can use the WageWorks® Healthcare Card associated with your Healthcare FSA to pay for eligible healthcare products and services.
    • You can arrange to have your healthcare provider paid directly from your Healthcare FSA.
    • You can also be reimbursed for the eligible expenses you pay out of pocket.
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  • What happens to my Healthcare FSA funds at the end of the year?

    It depends on the type of Healthcare FSA program your employer has in place. There are three scenarios for funds that are left unspent in your account at the end of the plan year:

    1. If you have a Healthcare FSA with Carryover, you can carry over up to $500 into the next plan year.
    2. If you have a Healthcare FSA with Grace Period, you have up to 2½ months after the end of the plan year to use unspent funds before you lose them.
    3. If you have a standard Healthcare FSA, you lose any unspent funds at the end of the plan year.

    Your employer decides on which type of FSA account they offer. To find out which scenario applies to you, log into your WageWorks account or ask your employer.

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  • What happens to my Healthcare FSA funds when I leave my employer?
    Unfortunately, we can't be too specific with this answer because it depends on your employer's Healthcare FSA program. Often employers offer a period of time when you can still submit claims so you can spend down funds remaining in your Healthcare FSA. You may also be able to extend the period of time to use your Healthcare FSA funds if you elect COBRA after you leave your job. But please keep in mind that you need to incur all eligible expenses before your last day of work. We recommend asking your employer about your options.
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  • Can I change my election if I use up all my Healthcare FSA funds before end of the plan year?

    Sorry, you can only change the amount you contribute to your Healthcare FSA if you meet one of these special circumstances, which are determined by the IRS:

    • A change in marital status (such as marriage, divorce, or death of your spouse)
    • A change in the number of your dependents (such as the birth or adoption of a child, or death of a dependent)
    • A change in employment status of you, your spouse, or your dependent
    • An event that causes your dependent to satisfy or cease to satisfy an eligibility requirement for a particular benefit
    • A change in residence of you, your spouse, or your dependent
    • A change in cost in coverage

    If you believe you qualify for a change of your election, please contact your employer. To make sure you’re contributing the right amount to your Healthcare FSA—neither too much nor too little—we recommend that you carefully estimate your healthcare expenses prior to your company’s next Open Enrollment period, at which time you can adjust your election amount for the next plan year.

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  • Can I change my election if I don't use up all my FSA funds before end of the year?

    Sorry, you can only change you election if you meet any of these special circumstances, which are determined by the IRS:

    • A change in marital status (such as marriage, divorce or death of your spouse)
    • A change in the number of your dependents (such as birth or adoption of a child, or death of a dependent)
    • A change in employment status of you, your spouse, or dependent
    • An event that causes your dependent to satisfy or cease to satisfy an eligibility requirement for a particular benefit
    • A change in residence of you, your spouse, or dependent
    • A change in cost in coverage

    If you believe you qualify for a change of your election, please contact your employer. And if your employer offers carryover, don't forget you can carry over up to $500 of unused funds into the next plan year, so you won't lose them, even if you don't spend them in the first year.

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  • Can I pay my domestic partner's medical expenses with my Healthcare FSA, if I have a family plan?
    Sorry, your domestic partner's medical expenses cannot be reimbursed under your Healthcare FSA, according to current IRS Regulations. You must be legally married to use your Healthcare FSA to pay for your spouse's eligible healthcare expenses.
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  • What is a Letter of Medical Necessity?
    A Letter of Medical Necessity is the same as a Doctor's Statement. It's a letter written by your doctor, verifying that the medication you are buying with your Healthcare FSA is for a diagnosis, treatment, or prevention of a disease. This letter is required by the IRS for certain eligible expenses. Review the list of eligible expenses [eligible expense link] to see if you need a Letter of Medical Necessity for a particular type of expense. Download the Letter of Medical Necessity form.
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  • What is a Doctor's Statement?
    A Doctor's Statement is the same as Letter of Medical Necessity. It's a letter written by your doctor, verifying that the medication you are buying with your Healthcare FSA is for a diagnosis, treatment, or prevention of a disease. This statement is required by the IRS for certain eligible expenses. Review the list of eligible expenses [eligible expense link] to see if you need a Letter of Medical Necessity for a particular type of expense. Download the Letter of Medical Necessity form.
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  • Is a Healthcare FSA the same thing as a Dependent Care FSA?
    No. Although both are Flexible Spending Accounts, a Healthcare FSA is very different from a Dependent Care FSA. A Healthcare FSA is to help you pay for healthcare expenses for you and your dependents. A Dependent Care FSA is to help you pay for childcare and elder care expenses so you can continue to work.
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  • What is an Healthcare FSA with Carryover?
    A Healthcare FSA with Carryover is a type of Healthcare FSA that may be offered by your employer. With this type of Healthcare FSA, you can carry over up to $500 remaining in your account from one plan year to the next. To find out if you have a Healthcare FSA with Carryover, log into your WageWorks account or ask your employer. Browse the Healthcare FSA with Carryover FAQs for more information.
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  • What is a run-out period? How do I know if I have a run-out period associated with my Healthcare FSA?
    A run-out period is a timeframe in the new plan year during which you can file claims for expenses incurred in the previous plan year. This timeframe is established by your employer—not the IRS. While timeframes vary from employer to employer, a 90-day run-out period is common. If your plan year ends on December 31, and you have a 90-day run-out period, you have until March 31 of the following plan year to use money left in your Healthcare FSA.

    To find out if you have a run-out period associated with your Healthcare FSA, log into your WageWorks account or ask your employer.
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  • Which account pays eligible expenses first—my HRA or my Healthcare FSA?
  • What is a grace period? How do I know if I have a grace period associated with my Healthcare FSA?
    A grace period is a timeframe in the new plan year during which you can incur new expenses and file claims. This timeframe, established by your employer, is up to 2½ months after the end of the plan year. If your plan year ends on December 31, and your have a grace period, you have until March 15 to incur new expenses and use money left in your Healthcare FSA to pay them.

    To find out if you have a grace period associated with your Healthcare FSA, log into your WageWorks account or ask your employer.
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  • What happens if I have both a run-out period and a grace period? How do I know if I have both?
    If your Healthcare FSA offers both a run-out and grace period, you may incur additional new expenses in the new plan year through the end of your grace period. But make sure you file claims for these expenses by the end of your run-out period.

    To find out if you have both a run-out and grace period associated with your Healthcare FSA, log into your WageWorks account or ask your employer.
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  • How do I get paid back for expenses I pay for directly?

    There are two ways to submit a receipt for reimbursement:

    1. Through the WageWorks EZ Receipts® mobile app. Use your mobile device to snap a photo of your receipts and submit them for reimbursement.
    2. Though your WageWorks account. Log into your account, select the Pay Me Back option, upload a digital image of your receipt, and submit your claim.

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  • What is carryover? How do I know if I have carryover associated with my Healthcare FSA?
    Carryover is an option for Healthcare FSAs that became available in 2013. The carryover option lets you carry over up to $500 remaining in your account from one plan year to the next. You don’t have to worry about losing money left unspent in your account at the end of the plan year, or the end of a run-out or grace period. A Healthcare FSA with Carryover minimizes your “use it or lose it” risk.

    To find out if you have a Healthcare FSA with Carryover, log into your WageWorks account or ask your employer. Browse the Healthcare FSA with Carryover FAQs below for more information.
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  • What is FSAStore.com?
    FSAStore.com is the only one-stop online shop stocked exclusively with Healthcare FSA-eligible products and services. WageWorks has partnered with FSAStore.com to make it even easier for you to use your WageWorks Healthcare FSA dollars—and get the best value from each dollar spent. Every item for sale at FSAStore.com is eligible for Healthcare FSA reimbursement—and there are more than 4,000 eligible products to choose from.
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  • Can I use my WageWorks Healthcare Card at FSAStore.com?
    Yes! When you use your WageWorks Healthcare Card to buy products and services from FSAStore.com, your card transactions are automatically verified—no more submitting receipts! And all FSAStore.com items are guaranteed to be eligible for reimbursement under your WageWorks Healthcare FSA. Keep in mind that FSAStore.com items with an “Rx” icon require a prescription from your doctor to be eligible for Healthcare FSA reimbursement. But FSAStore.com makes it really easy—they’ll submit prescription requests to your healthcare provider on your behalf so you can get reimbursed quickly.
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  • Are all products on FSAStore.com eligible for reimbursement under my WageWorks Healthcare FSA?
    Yes! FSAStore.com items with a “FSA-OK” icon are eligible without a prescription. And items with a “FSA-Rx” icon are eligible for reimbursement with a prescription from your doctor.
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  • Do I have to submit receipts for my purchases at FSAStore.com?
    If you use your WageWorks Healthcare Card to pay for FSAStore.com items, then no, you typically don’t have to submit receipts to verify the eligibility of your purchases. FSAStore.com is a certified IIAS merchant, and WageWorks can verify the eligibility of your purchase without needing additional documentation in most cases. Keep in mind that if you use another credit card to pay for FSAStore.com items and submit a claim for reimbursement, you need to submit a receipt to verify the eligibility of your purchase. We recommend that you always keep receipts in the event that information needs to be verified.
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  • Does WageWorks share my information with FSAStore.com?
    No. WageWorks does not share any of your information with FSAStore.com.
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  • I have just received a bill for a visit to the doctor last year in December. Can I use this year's FSA money to pay it?"
    Refer to your coverage period shown on your dashboard. To be eligible for payment the date of service must fall within your coverage period.
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