Flexible Spending Accounts (FSAs)

Increase your take home pay by contributing to the Flexible Spending Accounts (FSAs).  By paying for eligible expenses with an FSA account, you reduce your taxable income and pay no federal, state or Social Security taxes on the money used for those expenses.

Your Coverage Choices

You can contribute from $100 up to $5,000 annually to each FSA during the enrollment period:

• Health care flexible spending account (HCFSA) - You can use the HCFSA for your and your dependents’ eligible medical, pharmacy, dental, vision and hearing expenses that are not covered by your insurance. This includes the cost of co-pays, co-insurance, eyeglasses, contact lenses, orthodontia, chiropractic care, and eligible over-the-counter drugs.
• Dependent care (day care) flexible spending account (DCFSA) - You can use the DCFSA to pay eligible child care (up to age 13) and elder care expenses that you incur because you and your spouse work.

Benefits Debit Card

The Benefits Debit Card works just like your checking account debit card.  The Medical Flexible Spending Account allows you to debit against your full annual pledge immediately.  Always keep a copy of the receipts you get when using your Benefits Debit Card.

Filing a Claim for Reimbursement

If you choose not to use the Benefits Debit Card and wish to file a claim for reimbursement from either your Health Care FSA or Dependent Care FSA, contact Discovery Benefits, Inc. (DBI) at (866) 451-3399, #1 or complete the Flex Reimbursement Form and attach the receipts as requested.  You can either mail or fax the form to the address and numbers listed on the form. 
 
You can also choose to have your reimbursements sent directly to your home or have them directly deposited into your bank account.  A Direct Deposit Form will need to be completed and forwarded to DBI before this can happen.

Contact Discovery Benefits, Inc or your local Human Resources department for answers related to your FSA questions.

Summary Plan Description

Detailed information on this benefit such as eligibility, plan coverage, limitations and contact information can be found in the Summary Plan Description (SPD).

Important to Note

This page contains highlights of your Pre-Tax Plan benefit options. The details of how the spending account options work are included in the documents and contracts that govern how the plan operates. In the event of a difference between this insert and the legal documents and contracts, the legal documents and contracts will rule. This page does not imply a contract of employment or guarantee of benefits. Banner Health reserves the right to change or discontinue all or part of the Pre-Tax Plan at any time for any reason.