A Flexible Spending Account (FSA) is a tax-free account that an employee can use to pay for eligible non-reimbursed health care expenses. The FSA is also referred to as a “cafeteria plan." These cafeteria plans allow employees the option of a pre-tax payroll deduction for some insurance premiums, some medical expenses, and child/dependent care expenses. However, due to the “use it or lose it” feature required by law, if you do not use all the money in your account by the end of the year, the balance is forfeited.

Flexible Spending Account (FSA’s) require the employee to make a prediction every year as to how much will be spent on medical and childcare expenses.

Examples of Expenses that qualify for reimbursement through your Flexible Spending Account (FSA):

Child/Dependant Care Dental Treatment Dental X-rays Dentures Dermatologist Diagnostic fees Drug addiction therapy Drugs (prescription) Ophthalmologist Optician Optometrist Oral surgery Vasectomy Vitamins (if prescribed) Wheelchair X-rays Fluoridation unit

Guide dog Gum treatment Gynecologist Hearing aids and batteries Hospital bills Hydrotherapy Insulin treatment Lab tests Therapy equipment Transportation expenses (relative to health care) Ultra-violet ray treatment Vaccines Vasectomy Antacids Allergy Medications

Pain Relievers Cold medicine Anti-diarrhea medicine Cough drops and throat lozenges Sinus medications and nasal sprays Nicotine medications and nasal sprays Pedialyte First aid creams Calamine lotion Stop-smoking programs Wart removal medication Antibiotic ointments Suppositories and creams for hemorrhoids Sleep aids Motion sickness pills

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