Medical Flexible Spending Account

What to Know

The Medical Flexible Spending Account (FSA) allows you to put aside pretax dollars to use toward eligible health care expenses. Essentially, you pay yourself back with tax-free money for expenses you’d have anyway, such as for doctor’s office visits and prescriptions. It is administered by WEX Benefits.

Understand the Flexible Spending Accounts

Watch a video presentation to learn more about how the FSAs work.

Medical FSA Highlights

The Medical FSA gives you the opportunity to put aside money from your paycheck, before taxes, to use for eligible health care expenses, such as:

  • Copays and coinsurance for doctor’s office visits, lab tests and hospital stays
  • Prescription drugs and over-the-counter medications, like allergy, asthma and cold/flu medicines
  • Birthing and Lamaze classes
  • Dental and orthodontia treatment
  • Vision care, including glasses and contact lenses

Note: Residents and clinical fellows who are partially funded on T32 grants can have pretax deductions taken out of their UC pay only not from a T32 grant.

Contribution Limits

In 2022, you can set aside up to $2,750 in your Medical FSA [PDF]. Consider your health care expenses from previous years to estimate how much you should contribute to your account.

New Residents and Clinical Fellows

You can enroll in an FSA as of your program start date, and then file claims incurred on or after the first of the following month.

The full amount you elect to contribute for the remainder of 2022 will be available after your plan effective date.

You have until April 15, 2023, to submit claims for reimbursement of expenses incurred between your plan effective date (usually your program start date) and December 31, 2022.

Current Residents and Clinical Fellows

  • The plan year runs from January 1, 2022, through December 31, 2022. Your payroll deductions won’t begin until January 1.
  • Beginning January 1, you can file claims for reimbursement of eligible expenses incurred on or after April 1, 2022.
  • The full amount you elect to contribute for the year will be available to you starting January 1, 2022.
  • You have until April 15, 2023, to submit claims for reimbursement of expenses incurred between April 1, 2022, and December 31, 2022.

If you are enrolled in the Medical FSA, you can carry over up to $550 into the following year. Any amount above $550 that’s not used by December 31 will be forfeited.

How to Enroll

New Residents and Clinical Fellows

New residents and clinical fellows have 31 days from their program start date to enroll in an FSA. You must be set up in the UCPath payroll system to enroll in an FSA. View enrollment instructions.

Current Residents and Clinical Fellows

You can enroll in an FSA during Annual Flexible Spending Account Enrollment, typically held in the fall of each year. View enrollment instructions.

Reminder: Annual Flexible Spending Account Enrollment is for Medical FSA and Dependent Care FSA plans only. Open Enrollment for your medical, dental and vision plans is held in June each year.

Paying for Expenses

Use Your Debit Card

After you enroll in a flexible spending account, WEX Benefits will mail you a benefits debit card that you can use to cover eligible health care expenses. Your debit card [PDF] will be mailed on April 1.

Debit cards are good for three years. WEX Benefits will mail you a new debit card 90 days before the expiration date of your current debit card.

You can also request a WEX Benefits debit card for your dependents and/or spouse by:

  1. Adding them to your online account. You’ll see if they’ve been added by going to the Profile section of your online account.
  2. Once they are added, select Banking/Cards and request a card for each dependent. A dependent must be 18 years of age or older to receive a debit card.

Need a New Card?

If your card is lost or stolen, you can order a new card (free of charge) from the mobile app or by logging in to your account.

Submit a Claim

You can submit a claim via the WEX mobile apponline or by mail.

To submit a claim through the mobile app, download the Benefits by WEX app [PDF] from the App Store or Google Play. Then log in to your account via the app, select File a Claim and follow the steps. You can take a picture of your Explanation of Benefits or itemized receipt right from your mobile phone too.

You can also submit a claim through your online account by following similar steps and uploading your documentation. You can also submit the Out-of-Pocket Reimbursement Request form online, available on the WEX Benefits website.

Claims are processed within two business days, and you can choose to be reimbursed through direct deposit or by having a check mailed to you. There is no fee to you if you choose to have the money directly deposited into your bank account.

Questions?

Log in to your account and select the live chat feature; email the WEX Benefits team; or call the WEX Benefits team.

Documentation Required

All claims must be accompanied by a receipt or other documentation, such as the Explanation of Benefits (EOB) you receive from the medical, dental or vision insurance carrier after a visit. Your EOB contains all the necessary information for your claim to be processed.

Additional documentation that is accepted must contain the following information:

  • When the service was received
  • Where the service was received
  • Who received the service
  • What service was received
  • The amount/cost of the service received

IRS FSA Rules

Once you elect to enroll in a Medical FSA, you cannot change your election (disenroll from the FSA) or increase or decrease contribution amounts, unless you have a qualifying life event.

This includes a change in marital status, number of dependents, or job status.

Provider Contact Information

WEX (Flexible Spending Accounts)

(866) 451-3399
Website
Mobile apps