Your HEALTH CARE FSA. A flexible spending account for health and medical expenses
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- Cody Wilcox
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1 Your HEALTH CARE FSA A flexible spending account for health and medical expenses
2 THE EASY WAY TO SAVE FOR YOUR HEALTH AND MEDICAL EXPENSES Even the healthiest of families have routine medical expenses that add up each year like copays, prescriptions, new glasses and dental costs. Enjoy the tax-saving benefits of a Flexible Spending Account (FSA) from BlueCross BlueShield of Tennessee. An FSA is specifically designed to work with your high-deductible health plan to help you plan and save for your health expenses.
3 WHAT IS AN FSA? A health care flexible spending account (FSA) allows you to set aside money specifically to pay health care expenses for you or your family. An FSA can help you save money because you fund it with pre-tax dollars. With a Health Care FSA, you can: Plan ahead for your health care expenses Use easy payroll deduction to fund your FSA Reduce your taxable income and save on taxes Have money on hand for your health and medical needs
4 WHAT YOU SHOULD KNOW ABOUT A HEALTH CARE FSA Qualified Expenses Health care FSA funds are available only for qualified health care expenses. For example, your FSA could pay for services like: Deductibles Copays Coinsurance Dental and vision care Glasses, contact lenses, braces and hearing aids Prescription drugs Over-the-counter medications (if prescribed by your doctor)
5 A Flexible Spending Account can help you save on taxes FSA Funds Expire After One Year The goal is to contribute only as much money as you will spend on health expenses for one year. While the IRS allows you to contribute up to $2,550 in 2015, health care FSA funds do not carry over to the next year, unless your employer has selected a grace period or rollover provision. Your Contribution Amount Estimating the right amount to contribute to your FSA is very important because you only want to put in what you will use. Start by reviewing your health care expenses (including dental and vision costs) for the past two years. Use your Personal Health Statements in BlueAccess, the secure member area of bcbst. com. They give you full details of all your health care claims and expenses, including dental and vision, for the past two years. Contribution Changes You can change your contribution amount only if you have a qualifying event or family status change, such as a: marriage divorce birth adoption job change
6 HOW A HEALTH CARE FSA WORKS Funding Your Health Care FSA Decide how much money you want to put in the FSA (up to $2,550 in 2015). Ask your employer to withhold an equal part of that amount each pay period, which will go into your FSA before taxes. Use your FSA funds throughout the year to pay for qualified health care expenses. Remember, your FSA funds do not carry over, so make sure you spend all of your money by the end of the year. Using your Health Care FSA 1. Visit a provider in your network. 2. Pay the provider for your care. 3. The provider will submit a claim to BlueCross. 4. BlueCross will automatically reimburse you from your FSA. If you want more control over your FSA, you can manually file claims for only the expenses you want the FSA to cover. You can easily check your claims and FSA balance anytime using BlueAccess SM, the secure member section of bcbst.com.
7 HERE S AN EXAMPLE OF HOW YOU SAVE WITH AN FSA John looks at his family s health care needs for next year. He estimates they will spend at least $2,500 for copays, deductibles, out-of-pocket drug costs, eyeglasses for his son and wife, as well as braces for his daughter. Funding an FSA will help him pay for care with pre-tax dollars. HOW JOHN SAVES ES With an FSA (pre-tax dollars) Without an FSA (after-tax dollars) Annual Earnings $ 30, $ 30, Pre-Tax Contribution $2, Taxable Income $ 27, $ 30, Taxes* $6, $7, Take-Home Pay $20, $ 22, Health Care Costs $2, Spendable Income $20, $20, SAVINGS $ *Based on a 25% tax rate (includes federal, state and Social Security/FICA) John s expenses are the same with or without an FSA, but by funding a health care FSA with pre-tax dollars, he saves $625.
8 FOR MORE INFORMATION For a complete list of qualifying expenses for your Health Care FSA, talk to your tax advisor or visit bcbst.com. You can also find additional details and FSA claim forms at bcbst.com. If you have specific questions about your FSA from BlueCross BlueShield of Tennessee, your Consumer Coach is ready to help. Just call: or ConsumerCoach@bcbst.com 1 Cameron Hill Circle Chattanooga, TN bcbst.com For TDD/TTY help call Spanish: Para obtener asistencia en Español, llame al Tagalog: Kung kailangan ninyo ang tulong sa Tagalog tumawag sa Chinese: 如果需要中文的帮助, 请拨打这个号码 Navajo: Dinek ehgo shika at ohwol ninisingo, kwiijigo holne BlueCross does not discriminate on the basis of race, color, national origin, disability, age, sex, gender identity, sexual orientation, or health status in the administration of the plan, including enrollment and benefit determinations. BlueCross BlueShield of Tennessee, Inc., an Independent Licensee of the BlueCross BlueShield Association CDHC-018 (12/14) Health Care FSA Brochure
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This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.uhealthplan.utah.edu/jackson-group/ or by calling 1-888-271-5870.
BlueOptions Healthy Rewards HRA Coverage Period: 01/01/ /31/2015
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.floridablue.com or by calling 1-800-664-5295. In the
BlueSelect No. Even though you pay these expenses, they don t count toward the out-of-pocket limit.
BlueSelect 1452 Coverage Period: 01/01/2016-12/31/2016 Essential Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual and/or Family Plan Type: PPO/EPO This is
National Guardian Life Insurance Co.: Union College Coverage Period: 8/12/16-8/11/17
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.chpstudent.com or by calling 1-800-633-7867. Important
BlueSelect No. Even though you pay these expenses, they don t count toward the out-of-pocket limit.
BlueSelect 1443 Coverage Period: 01/01/2014-12/31/2014 Everyday Health Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual and/or Family Plan Type: PPO/EPO
Nationwide Life Insurance Company: Platinum Plan - St. Lawrence University Coverage Period: 8/10/15 8/9/16
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.chpstudent.com or by calling 1-800-633-7867. Important
Premera Blue Cross: Multi-State Plan Blue Cross Silver 3000 HSA Coverage Period: Beginning on or after 01/01/2016
Premera Blue Cross: Multi-State Plan Blue Cross Silver 3000 HSA Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage Period: Beginning on or after 01/01/2016 Coverage for: Individual
$ 2,500 Individual/$5,000. Important Questions Answers Why this Matters: $2,500 Individual/$5,000
IL QHDHP $2500 100/50 Aggregate Deductible Coverage Period: 01/01/2013-12/31/2013 Summary of Benefits and Coverage:What this Plan Covers & What it Costs Coverage for: Individual + Family Plan Type: QHDHP
Blue Choice Bronze PPO 006 Coverage Period: 01/01/ /31/2014 Summary of Benefits and Coverage: What this Plan Covers & What it Costs
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.bcbstx.com/coverage/individual/index.html or by calling
: Central Washington University Summary of Benefits and Coverage: What this Plan Covers & What it Costs
This is only a summary. It in no way modifies your benefits as described in your plan documents. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan
: University of Maryland - College Park Summary of Benefits and Coverage: What this Plan Covers & What it Costs
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.uhcsr.com/umd or by calling (800) 505-4160. Important
BlueShield of Northeastern NY: Silver EPO 6300
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.bsneny.com or by calling 1-800-888-1238. Important Questions
$0 See the chart starting on page 2 for your costs for services this plan covers.
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.mercycarehealthplans.com or by calling 1-800-895-2421.