Frequently Asked FSA
Questions
from the Participants |
| Flexible
Spending Administration FAQ List |
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How do I know what is considered
an eligible healthcare expense? |
The
Internal Revenue Service produces a publication that
helps to explain eligible expenses. Your HR Department
or your tax advisor may have Publication #5021 available
for your review - or you can obtain a copy on the IRS
website ( www.irs.gov).
But here’s a partial list of expenses that qualify
for reimbursement: |
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Acupuncture |
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Diagnostic services |
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Routine physical exams |
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Alcohol/drug abuse treatment |
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Durable medical equipment |
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Seeing-eye dog |
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Artificial limbs |
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Eye glasses, exams, prescription
sunglasses |
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Smoking cessation program |
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Birth control pills |
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Hearing aid devices and batteries |
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Sterilization fees or surgery to
reverse sterilization |
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Care/tuition for handicapped child |
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Hospital services |
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Special communication equipment
for hearing impaired |
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Chiropractors |
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Immunizations, vaccines |
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Transportation expenses related
to medical care |
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Coinsurance amounts paid |
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Insulin |
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Transplants |
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Contact lenses/solutions and cleaners |
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Infertility treatments |
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Viagra, if medically necessary |
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Deductibles or co-payments |
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Orthodontic treatment, appliances |
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Vision correction (e.g. Lasik surgery) |
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Non-cosmetic dental treatments |
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Prescription medicines |
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Dentures |
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Psychiatric care |
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Over-the-counter (OTC) drugs/medicines |
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What healthcare expenses
do NOT qualify for reimbursement? |
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Insurance premiums |
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Elective cosmetic surgery |
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Expenses reimbursed by another
insurance or FSA |
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Expenses not qualified by the IRS |
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Expenses claimed as deductions
or credits on your federal tax return |
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Expenses incurred before you were
a participant in the FSA plan |
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Expense incurred when you are no
longer a participant in the FSA plan |
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Amounts above the maximum plan
limits for medical reimbursement |
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How do I know what is considered
an eligible dependent care expense? |
The
Internal Revenue Service produces a publication that
helps to explain what dependent care expenses are eligible
for reimbursement. Your HR Department or your tax advisor
may have Publication #503 available for your review
- or you can obtain a copy on the IRS website ( www.irs.gov).
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How long will it take to
receive my reimbursement? |
| Processing
time varies according to the procedures established
by your specific plan. Generally, a correctly completed
request is paid within 2-4 weeks. You may call 1-800-685-6100
to check the status of a claim or to speak with a Customer
Service Representative. |
|
My company
sponsors our Flexible Spending Account. How does BCC
fit into the picture? |
BCC
(Benefit Coordinators Corporation) is the administrator
of your Flexible Spending Account. BCC coordinates with
your Human Resources Department to assist with ongoing
FSA reimbursements, supplies, claims forms and answers
to FSA-related questions. If you have questions about
your Flexible Spending Account or a specific claim,
call our toll-free number 1-800-685-6100. |
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Who is
considered my "dependent" for dependent care reimbursement
under the Flexible Spending Plan? |
| The
definition of “dependent” is governed by
the IRS code. Currently, a qualified dependent includes: |
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Your dependent under
age 13 when the care was provided and for whom you can
claim an exemption; or |
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Your spouse who was physically
or mentally unable to care for him/herself. |
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What
dependent care expenses do NOT qualify for reimbursement? |
| Following
is a partial list of ineligible expenses: |
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Food |
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Clothing |
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Education - expenses to attend
kindergarten or higher are not eligible expenses |
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Entertainment |
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OK, I’ve
made contributions to the Flexible Spending Plan and
I have a claim. Now, how do I get reimbursed? |
| Getting
reimbursed for eligible expenses is as easy as A-B-C. |
A.
Complete BCC’s Employee Spending Account Request
for Reimbursement. |
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B.
Attach the required back-up documents. |
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| (1) |
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For
Health Care Reimbursement: attach an Explanation of
Benefits statement from your insurance carrier plus
an itemized receipt from the provider. |
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You
must submit medical charges to your healthcare, dental
or vision insurance carrier before you can request a
reimbursement from a Flexible Spending Account Plan.
The insurance carrier will process the claim and issue
an Explanation of Benefits that shows how much is paid
under the terms of your plan - and how much is your
responsibility. |
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By
law, BCC cannot accept a credit card receipt or a cancelled
check in lieu of the itemized receipt from your doctor,
lab, pharmacy, etc. |
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| (2) |
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For
Dependent Care Reimbursement: attach a signed receipt
from the daycare provider that includes: |
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the dates services
were rendered. |
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the provider’s
Social Security or tax ID number. |
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the provider’s
address. |
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C.
BCC processes your claim and issues a check that is
mailed to your home
address. Your plan may
also offer a direct deposit option.
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Where
do I send my Flexible Spending Account claims? |
Send
your completed Request for Reimbursement form and the
appropriate back-up documents to:
Benefit Coordinators Corporation
100 Ryan Court
Suite 200
Pittsburgh, PA 15205-1324
or
Fax the claims to:
412-276-7185.
Remember to visit www.benXcel.com/fsa.php
for more information about Flexible Spending Accounts.
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Is
it possible to email claims instead of faxing? |
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You
can email claims to:
FSA-CLAIMS@BENXCEL.COM
BCC wants to remind you that email is not a secure mode of transmission
of personal data. You accept the risks of sending personal information
via the internet.
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