Flexible Spending Arrangements (FSAs) allow you to pay certain qualifying expenses with pre-tax dollars for medical and dependent care expenses.
Medical Mutual FSA has completed its newly designed My Spending Accounts website. Now you can manage both your health plan and your FSA in one place using My Health Plan, a secure member website through Medical Mutual.
To access your FSA information if you have Medical Mutual insurance:
If you have any questions about the registration process or your FSA, please call (800) 525-9252.
To access your FSA information if you do NOT have Medical Mutual insurance:
Only eligible expenses can be reimbursed through your Health FSA. These expenses are defined by Internal Revenue Code § 213(d) and your employer’s plan.
Generally, eligible expenses include items that are meant to diagnose, cure, mitigate, treat, or prevent illness or disease. This also includes transportation for medical care. However, expenses such as cosmetic surgery, insurance premiums, vitamins, and items for general well-being are not eligible expenses.
Over-the-counter (OTC) medicines and drugs require a prescription to be an eligible Health FSA expense. You must obtain a written or electronic prescription from a doctor (or another individual who can legally issue a prescription) in the state in which you purchase the OTC medicines. This rule does not apply to eligible OTC health care items (i.e., thermometers and bandages).
Health FSA expenses must be incurred by you, your spouse, or your eligible dependents during the current plan year and while you are an active participant in the FSA plan. Medical care expenses are incurred when you (or your spouse or dependents) are provided with medical care – not when you are formally billed, charged for, or pay for the medical care. Only qualified “out-of-pocket” expenses are eligible for reimbursement. Expenses previously reimbursed by your Health FSA or covered by any other plan or program are not eligible for reimbursement. There’s no “double-dipping” allowed.
Expenses reimbursed under your Health FSA may not be used to claim any federal income tax deduction or credit.
Examples of Eligible Health FSA Expenses:
Only eligible expenses can be reimbursed under the FSA. These expenses are defined by (§)129 and your employer’s plan.
Dependent care expenses must be incurred during the coverage period so you (and your spouse, if married) can work or look for work. Full-time students who attend school for at least five months during the tax year may also incur dependent care expenses. “Work” may include actively looking for work, but it does not include unpaid volunteer work or volunteer work for a nominal salary.
A dependent care FSA covers qualified dependent care expenses incurred for the care of one or more qualifying individuals.
Expenses reimbursed under your dependent care FSA cannot be used to claim any federal income tax deduction or credit.
Note: If you are enrolled in a High Deductible Health Plan you cannot participate in a health flexible spending arrangement.
Medical Mutual FSA