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Flexible Spending How It Works

Participation in these accounts is optional. You decide if you want to participate in one or both spending accounts. If you decide to participate each year, you must re-enroll in the Flexible Spending Account program each year.

  • You contribute each pay period on a pre-tax basis into an account set up for you.

  • When you have an eligible expense (for example, a bill for an eye exam and contact lenses in excess of what is covered by your vision plan), you pay it.

  • Medical claims can be automatically submitted or a claim can be submitted directly to Medical Mutual FlexSave, with copies of receipts.

  • You then get a check from your Flexible Spending Account to pay you back. The check is tax-free.

Contribution Limits

Most employees can deposit between $120 and $5,000 per year ($10 and $416 a month if you are paid over 12 months) in the DCFSA. However, your maximum contribution will be less if either of the following IRS restrictions apply to you:

  • If you are married and have separate DCFSA's, you may deposit only up to $2,500 per year ($208 a month) in the DCFSA. Your annual DCFSA deposit cannot be greater than your annual income or that of your spouse, whichever is lower.

  • If your spouse is a full-time student, and you have one qualifying dependent, your spouse's annual income is assumed to be $200 times the number of months he or she is in school.

  • If you have more than one qualifying dependent, your spouse's annual income is assumed to be $400 times the number of months he or she is in school.

Submitting HCFSA Claims

When you have an eligible bill (for example, a bill for an eye exam and contact lenses in excess of what is covered by your vision plan), you are able to access the funds in your account in three different ways:

  1. Use the Medical Mutual FlexSave My TakeCarePlan debit card to pay for the services.

  2. Pay for the expenses out-of-pocket and then submit a claim form with proof of payment to FlexSave to receive reimbursement.

  3. Use the on-line bill payment system available at:  http://www.mytakecareplan.com

For employees enrolled in medical, prescription and dental plans offered by Kent State University, automatic submission is an available option for the Health Care Flexible Spending Account. When an eligible claim is processed through the insurance provider, the claims system will automatically check to see if the employee is maintaining a Health Care Flexible Spending Account. If so, a reimbursement claim will be generated for any co-payments or deductible amounts according to current guidelines.

If you would like your claims automatically submitted to your HCFSA, please be sure to check the appropriate line on the enrollment form.

Submitting DCFSA Claims

When you have an eligible bill (for example, a bill for childcare expenses), you are able to access the funds in your account in two different ways:

  1. Pay for the expense out-of-pocket and then submit a claim form with proof of payment to Medical Mutual FlexSave to receive reimbursement.

  2. Use the on-line bill payment system available at:  http://www.mytakecareplan.com