FSA (Flex Spend Account) FAQ
FSA (Flex Spend Account) FAQ
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How to set up your FSA account
How to set up your FSA account
First time users are encouraged to set up your online account on the Health Equity website.
Register Online
If you haven’t yet registered online with Health Equity, please do so at your earliest convenience. To register, visit www.healthequity.com/wageworks, select “LOG IN/REGISTER” and then “Employee Registration.” You’ll need to answer a few simple questions and create a username and password.
Instructions are linked here - Instructions - First-Time User Registration
FSA Quick Start Guide_with Debit Card Information.pdfA document that gives some summarized general info on your FSA account can be downloaded here.
View this linked handout that gives some more guidance on what FSA (flex spend account) can be used for, and also search the full database HERE for guidance on qualified medical expenses. OTC-FACT-SHEET.pdf (wageworks.com)
To use your FSA account, an enrolled employee will receive a debit card in the mail and additional information will be sent to you by the provider, which is Health Equity. Enrolled employees can register for an online account to manage your claims and balances at wageworks.com or call them at 1-877-924-3967 to get more info on accessing your account.
To submit claims for reimbursement without accessing your online account, instructions for how to do that and the downloadable form are linked here FSA reimbursements (healthequity.com). A copy of the claim form can be downloaded here.
How to file a medical claim for your portion due (deductibles, coinsurance, copays)
How to file a medical claim for your portion due (deductibles, coinsurance, copays)
For medical claims, there is no longer a direct link to auto-pay claims filed with Anthem. You need to file medical claims directly with HealthEquity for reimbursement beginning January 1, 2022 and moving forward.
- Online: Online Claims or Pay My Provider
- Smart Phone App: EZ Receipts
- Fax or Mail a paper form: Claim form linked here
- At the pharmacy: Use your debit card for Rx copays and allowable over the counter products
Access your online account for detailed information regarding your account including balances, paid claims and eligible expenses. Login or register online at www.healthequity.com/wageworks
Dental Claims: The auto-rollover of dental claims from Anthem to HealthEquity will continue to process automatically. You will not need to submit claims for out-of-pocket dental expenses to HealthEquity as any balances owed will transfer over automatically with the electronic data feeds.
Contribution limits for FSA are set each year by the IRS.
See our Benefits Summary for the current contribution limits.
Unsubstantiated Claims
Unsubstantiated Claims
An unsubstantiated FSA claim results when you have used your FSA debit card to pay for health items or services but HealthEquity has not received the proper documentation (receipt, detailed bill or Explanation of Benefits). IRS regulations require you to submit documentation to validate the claims that were paid using your FSA debit card. If you are unable to provide substantiation of outstanding claims after 90 days, your debit card will be deactivated by Health Equity until these are resolved. More information can be found by clicking here.
FSA Unsubstantiated Claims Employee Notice Current Year.pdfUsing Garner if you Have an FSA
Using Garner if you Have an FSA
IMPORTANT! If you have a health Flexible Spending Account (FSA), special rules apply to your Garner benefit. You may not be reimbursed by the Garner HRA for an out-of-pocket medical cost that will also be paid using your FSA. This is often referred to as double-dipping and is prohibited by the IRS. If your Garner HRA and your FSA cover the same medical cost, we recommend you use and exhaust your Garner funds before using your FSA. You can save your FSA for when your Garner benefit has reached its limit or for out-of-pocket medical costs that do not qualify for reimbursement by Garner.
In summary, if you have an FSA, use Garner before using your FSA.
More information can be found by clicking here.
Once enrolled in a Flexible Spending Account (FSA), employees are not able to drop a flex election mid-year without a qualifying event. More info can be found in our SPD (page 7-8). You can change your FSA selections for the next plan year during open enrollment which is held each November for the January start of the next plan year.
Here are a few more frequently asked questions and answers that may be helpful to employees with questions about FSA.
Who Can Use FSA Funds? In addition to the FSA owner, the owner's spouse can incur qualified medical expenses that can be covered by FSA funds. Distributions from FSAs can also be used by dependents who are claimed on the owner's tax return. If a dependent earns gross income in excess of $4,300, files a joint return, or can be claimed as a dependent on someone else's return, they are not eligible.
Forfeiture/Carryover of Unused Funds. If you are actively employed, and your Health FSA Account has a positive balance as of March 31st (the last day on which claims may be submitted for the prior Plan Year), the IRS sets a limit each year on the remaining balance that will be carried over to the following Plan Year. View our Benefits Summary for current plan limits.
If you have experienced a qualifying event, you should notify HR and complete a new FSA form to reflect your changes. Supporting documentation will be required as proof of a qualifying event.
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Still need help?
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