Use PayFlex to manage your FSA account online. You can check your balance, pay providers, upload receipts to get reimbursed, and more.
A health care FSA lets you set aside pre-tax dollars to pay for eligible health care expenses, even for dependents not covered under your Aldine ISD medical plan.
It’s available to participants in all plans.
You can contribute up to $2,650 pre-tax per year through automatic payroll deductions over 24 pay periods.
Even so, the full amount you set aside is available to you from the day coverage begins.
Since your contribution is pre-tax, it takes less out of your paycheck.
Because the tax benefits of using a health care FSA, the IRS restricts that you can use it for. IRS publication 502 includes a full list of these medical services and materials.
Here is a summary of what's covered and not covered by your FSA:
|Acupuncture||Special medical equipment|
|Hearing aids||Special education devices|
|Individual psychiatric and psychological counseling||Smoking-cessation programs or related prescription drugs|
|Lasik or other vision correction surgery||Weight-loss programs for individuals diagnosed as obese|
Over-the-counter medical supplies and products, such as:
|Bandages and wraps||Contraceptives and family planning items|
|Braces and supports||Denture adhesives|
|Catheters||Insulin and diabetic supplies|
|Contact lens solutions and supplies|
Over-the-counter medicines without a doctor’s prescription, such as:
|Acid controllers||Digestive aids|
|Allergy & sinus||Feminine antifungal/anti-itch|
|Antibiotic products||Hemorrhoid preparations|
|Anti-itch & insect bite||Pain relief|
|Anti-parasitic treatments||Respiratory treatments|
|Baby rash ointments/creams||Sleep aids and sedatives|
|Cold sore remedies||Stomach remedies|
|Cough, cold & flu|
In return for the favorable tax advantages, the IRS has strict rules on these accounts.
You can’t change the amount you contribute until the next plan year, unless you have a qualified life event
You can’t transfer money from this account to another FSA account
To be reimbursed, you must be enrolled in the FSA when you incur expenses
You need to keep all of your records to substantiate all claims
You may use your FSA funds for expenses incurred through March 15 of the following year, and you have until May 15 of that year to submit documentation for those expenses
Only list expenses that are not paid through your medical, dental, vision, cancer and specified diseases, hospital indemnity, other district health care coverage selections or any other health plan. Using last year’s expenses can help. You can also use the Health Care Flexible Spending Account Worksheet. Estimate from the date your coverage begins if you’re hired or if you become eligible for benefits during the year.
And remember, if you’re enrolled in the Memorial Hermann ACO or Open Access Select plans, payment for all eligible medical care costs, excluding copays, comes from any money remaining in your HealthFund account first. After your HealthFund is depleted, or if you are a member of the KelseyCare HMO, you may use your FSA to cover medical expenses.
The easiest way to access your FSA funds is with your PayFlex debit card, which you receive after you enroll. Here are some guidelines:
At the store
Certain stores accept your debit card for prescriptions and over-the-counter (OTC) items. Others accept your debit card for prescriptions only. For example, you can use your PayFlex debit card for OTC medications at CVS, Walmart, Sam’s Club, Walgreens and drugstore.com. You can only use your PayFlex debit card for an OTC medication if you have a doctor’s prescription for the medication.
At the doctor or dentist
Don't use your PayFlex debit card for out-of-pocket medical expenses. Those are automatically paid from your FSA. Your debit card won't work at your doctor's office. Ask the medical provider to file the claim with Aetna or, if your provider is out of network, file a claim yourself to make sure you’re paying the correct out-of-pocket amount, including any contract discounts.
For dependents not covered by your medical plan
Tax dependents of FSA participants who aren’t covered on the same medical plan as the FSA participant can use the debit card for medical, dental and vision expenses. Again, you’re required to submit receipts for these expenses when you submit your claim.
The IRS limits the misuse of FSA debit cards. Retail locations that contain pharmacies and also sell non-pharmacy items must use the Inventory Information Approval System (IIAS) to automatically substantiate pharmacy purchases and allow you to use your FSA debit card. Visit Aetna’s FSA website to find out which non-traditional pharmacy providers use IIAS. You may still use your FSA debit card at traditional pharmacies and with the Express Scripts mail service program.
If you don’t use your PayFlex debit card, you must submit a claim form and any additional required documentation to Aetna to be reimbursed. You can file claims online through Aetna’s secure website, through the PayFlex Mobile app or by fax at 888-238-3539.
January 1, 2018 – March 15, 2019
Eligible health care FSA expenses are covered
May 15, 2019
Deadline to submit documentation for 2018 health care FSA expenses
If you’re close to March 15 and have money in your health care FSA that you don’t know what to do with, use the money to stock up on covered OTC products listed above.
For more information, call Aetna FSA customer service at 888-238-6226 or PayFlex at 888-678-8242. Both are available between 7 a.m. and 5 p.m. weekdays, excluding holidays. Also, review the flexible spending account FAQs.
For any benefits question or concern, including 24/7 Nurse Line access, one call does it all.
Call us at 866-284-AISD (2473)