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FAQ Flexible Spending Accounts

Frequently Asked FSA Questions
from the Participants
FAQ List
1
Flexible Spending Accounts
1
COBRA
1
General
   
   
 
Flexible Spending Administration FAQ List
1
How do I know what is considered an eligible healthcare expense?
 
1
What healthcare expenses do NOT qualify for reimbursement?
 
1
How do I know what is considered an eligible dependent care expense?
 
1
How long will it take to receive my reimbursement?
 
1
My company sponsors our Flexible Spending Account. How does BCC fit into the picture?
 
1
Who is considered my "dependent" for dependent care reimbursement under the Flexible Spending Plan?
 
1
What dependent care expenses do NOT qualify for reimbursement?
 
1
OK, I’ve made contributions to the Flexible Spending Plan and I have a claim. Now, how do I get reimbursed?
 
1
Where do I send my Flexible Spending Account claims?
 
1
Is it possible to email claims instead of faxing?
 

How do I know what is considered an eligible healthcare expense?
 
The Internal Revenue Service produces a publication that helps to explain eligible expenses. Your HR Department or your tax advisor may have Publication #5021 available for your review - or you can obtain a copy on the IRS website (www.irs.gov). But here’s a partial list of expenses that qualify for reimbursement:
 
  Acupuncture
  Diagnostic services
  Routine physical exams
  Alcohol/drug abuse treatment
  Durable medical equipment
  Seeing-eye dog
  Artificial limbs
  Eye glasses, exams, prescription sunglasses
  Smoking cessation program
  Birth control pills
  Hearing aid devices and batteries
  Sterilization fees or surgery to reverse sterilization
  Care/tuition for handicapped child
  Hospital services
  Special communication equipment for hearing impaired
  Chiropractors
  Immunizations, vaccines
  Transportation expenses related to medical care
  Coinsurance amounts paid
  Insulin
  Transplants
  Contact lenses/solutions and cleaners
  Infertility treatments
  Viagra, if medically necessary
  Deductibles or co-payments
  Orthodontic treatment, appliances
  Vision correction (e.g. Lasik surgery)
  Non-cosmetic dental treatments
  Prescription medicines
  Dentures
  Psychiatric care
  Prescribed over-the-counter (OTC) drugs/medicines
 
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What healthcare expenses do NOT qualify for reimbursement?
 
  Insurance premiums
  Elective cosmetic surgery
  Expenses reimbursed by another insurance or FSA
  Expenses not qualified by the IRS
  Expenses claimed as deductions or credits on your federal tax return
  Expenses incurred before you were a participant in the FSA plan
  Expense incurred when you are no longer a participant in the FSA plan
  Amounts above the maximum plan limits for medical reimbursement
 
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How do I know what is considered an eligible dependent care expense?
 
The Internal Revenue Service produces a publication that helps to explain what dependent care expenses are eligible for reimbursement. Your HR Department or your tax advisor may have Publication #503 available for your review - or you can obtain a copy on the IRS website (www.irs.gov).
 
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How long will it take to receive my reimbursement?
 
Processing time varies according to the procedures established by your specific plan. Generally, a correctly completed request is paid within 2-4 weeks. You may call 1-800-685-6100 to check the status of a claim or to speak with a Customer Service Representative.
 
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My company sponsors our Flexible Spending Account. How does BCC fit into the picture?
 
BCC (Benefit Coordinators Corporation) is the administrator of your Flexible Spending Account. BCC coordinates with your Human Resources Department to assist with ongoing FSA reimbursements, supplies, claims forms and answers to FSA-related questions. If you have questions about your Flexible Spending Account or a specific claim, call our toll-free number 1-800-685-6100.
 
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Who is considered my "dependent" for dependent care reimbursement under the Flexible Spending Plan?
 
The definition of “dependent” is governed by the IRS code. Currently, a qualified dependent includes:
 
  Your dependent under age 13 when the care was provided and for whom you can claim an exemption; or
  Your spouse who was physically or mentally unable to care for him/herself.
 
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What dependent care expenses do NOT qualify for reimbursement?
 
Following is a partial list of ineligible expenses:
 
  Food
  Clothing
  Education - expenses to attend kindergarten or higher are not eligible expenses
  Entertainment
 
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OK, I’ve made contributions to the Flexible Spending Plan and I have a claim. Now, how do I get reimbursed?
 
Getting reimbursed for eligible expenses is as easy as A-B-C.
 
 A. Complete BCC’s Employee Spending Account Request for Reimbursement.
 
 B. Attach the required back-up documents.
     
(1)  
For Health Care Reimbursement: attach an Explanation of Benefits statement from your insurance carrier plus an itemized receipt from the provider.
         
     
You must submit medical charges to your healthcare, dental or vision insurance carrier before you can request a reimbursement from a Flexible Spending Account Plan. The insurance carrier will process the claim and issue an Explanation of Benefits that shows how much is paid under the terms of your plan - and how much is your responsibility.
     
By law, BCC cannot accept a credit card receipt or a cancelled check in lieu of the itemized receipt from your doctor, lab, pharmacy, etc.
           
(2)  
For Dependent Care Reimbursement: attach a signed receipt from the daycare provider that includes:
         
      the dates services were rendered.
      the provider’s Social Security or tax ID number.
      the provider’s address.
 
C. BCC processes your claim and issues a check that is mailed to your home
address. Your plan may also offer a direct deposit option.
 
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Where do I send my Flexible Spending Account claims?
 
Send your completed Request for Reimbursement form and the appropriate back-up documents to:
Benefit Coordinators Corporation
Two Robinson Plaza
Suite 200
Pittsburgh, PA 15205

or

Fax the claims to:
412-276-7185.

Remember to visit www.benXcel.com/fsa.php for more information about Flexible Spending Accounts.
 
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Is it possible to email claims instead of faxing?
 
You can email claims to:

FSA-CLAIMS@BENXCEL.COM

BCC wants to remind you that email is not a secure mode of transmission of personal data. You accept the risks of sending personal information via the internet.
 
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