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How is a Reimbursement Account (Health Care or Dependent Daycare) Funded?

During the Open Enrollment period determined by your Company each year, you will determine how much you want to elect for either (or both) reimbursement accounts. The amount you elect will be divided evenly over all pay periods of the plan year.  This means, if you elect $2550.00 for Health Care Reimbursement and $5000.00 for Dependent Daycare and you are paid semi-monthly, your deductions will be $106.25 per pay period for Health Care and $208.33 per pay period for Dependent Daycare.  Those amounts are deducted prior to taxes being calculated to reduce your taxable income.

When are Funds Available for Reimbursement?

The amount you elect for the Health Care Reimbursement Account is available on day one of the plan year regardless of how much you have contributed.  This means you can have a major expense early in the plan year and the full amount, up to your election amount will be reimbursed upon receipt of a valid claim.

The Dependent Daycare Reimbursement Account is dollar in for dollar out so we can only reimburse you the amount you have contributed.  Any claims submitted over that amount will pend in our system and will automatically issue payment when the next contribution is received.

What can a Health Care Reimbursement Account be used for?

The Health Care Reimbursement Account enables employees to pay for expenses that are not covered by insurance with pre-tax dollars. This account allows employees to be reimbursed for out-of-pocket medical, dental, and vision expenses as well as over-the-counter medications (with a valid prescription). Reimbursable expenses are similar to those normally deductible on a federal income tax return (without regard for the 7.5% of adjusted gross income limitation).

They include, for example, expenses incurred for:

  • Deductibles and Office Visit Co-payments
  • Prescription medications, vaccines, birth control and infertility treatments
  • Medical doctors, dentists, eye doctors, chiropractors, osteopaths, podiatrists, psychiatrists*, psychologists*, physical therapists, acupuncturists and psychoanalysts*
  • Medical examinations, X-rays, laboratory services and insulin treatments
  • Hospital care, clinic costs and lab fees
  • Medical aids such as hearing aids (and batteries), dentures, prescription eyeglasses and/or contact lenses, braces, orthopedic shoes, etc.
  • Over-the-counter drugs and medications used for the treatment of a medical condition, injury or illness (requires a valid doctor's prescription)

*proof of medical necessity will be required prior to reimbursement

For a larger list of eligible expenses please click here and enter the access code: link to list

How do I check the balance on my Reimbursement Account?

Once you log into your account, click Reimbursement Accounts.  If you would like to see information for a past plan year, you will need to change the plan year ending in the drop down box at the top of the page.  If you have multiple benefits available, you will need to select the appropriate benefit.

If I am reimbursed via direct deposit, how long does it take to post to my bank account?

Most banks take 1-2 business days to post the deposit into your account.

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