灵活的好处
金融为联合健康集团 manages medical, limited purpose and dependent care flexible spending 解释程序.
金融为联合健康集团
866.600.4984
24/7
optumbank.com/Tennessee
New hires may enroll by completing the following form and submitting it to the Office 人力资源部: 医疗、家属护理和有限目的 -计划年2024
Contribute to flexible spending accounts to pay for health care and/or dependent care 同时节省你的税款. FSA允许你从你的账户中支付某些费用 税前收入而不是税后收入. 你可以供款的最高金额 是由IRS设定的. 限额每年都有变化，你的雇主也有变化 可订一个低于国税局所容许的最高限额.
资格: Insurance-eligible state and higher education employees can enroll in the following 金融服务管理局.
年限3050美元/结转限额610美元
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Use to pay for certain medical, dental, vision and prescription costs 不 covered 根据你的保险.
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你做 不 如果你参加了CDHP/HSA，你就有资格获得医疗FSA.
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Up to $610 of your unused FSA balance can be carried over into the next plan year 而不是你“失去它”.”
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Your entire election, up to $3,050 in 2024, is available for use at the beginning 一年之内，或者在你注册后的1-2个月内.
年限3050美元/结转限额610美元
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May only be used to pay for certain dental and vision costs 不 covered by insurance.
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For employees enrolled in the CDHP/HSA, the L-FSA is a great way to save tax-free on eligible vision and dental expenses while continuing to grow your HSA balance.
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Your entire election, up to $3,050 in 2024, is available for use at the beginning 一年之内，或者在你注册后的1-2个月内. 最多可以结转610美元 进入明年，而不是你“失去它”.”
医疗服务管理局 and L-FSA members get a 借记卡 to use their funds at the pharmacy 或供应商办公室. Per IRS rules, 金融为联合健康集团 need you to verify some debit card purchases by providing your explanation of benefits or other claims document. Make sure to respond to any verification request from 金融为联合健康集团, or your debit card may be suspended and any unsubstantiated claims may be reported to your employer for inclusion on your W2 or turned over to a collection 机构. 如果你的借记卡 is suspended, you will still have access to your flexible account funds but will need 要提交书面索赔，请传真或上传到 金融为联合健康集团网站 或应用程序.
Annual limit - $5,000 (or $2,500 if married and filing a separate tax return). No 允许的结转金额. 12月31日的剩余资金将被没收.
Used to pay for certain dependent care costs, such as after school care, baby-sitting 费用，成人或儿童日托和学前班. 某些要求必须由 合资格雇员及/或其配偶. 有关详细信息，请参阅管理计划 文件位于 出版物页面.
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In 2024, 金融为联合健康集团 will conduct non-discrimination testing on state employees’ dependent care 金融服务管理局 to ensure the plan treats everyone fairly and does 不 discriminate 有利于那些拿高薪的员工. 美国国税局定义了高薪酬 employee as someone with an annual salary of $150,000 or more in 2023. 如果测试 finds this benefit does 不 meet the federal requirements, contributions for highly 受补偿的雇员可能会被改变以符合法律.
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Contributions to flexible benefits plan accounts may be modified, reduced or recharacterized at any time to comply with applicable Internal Revenue Code provisions.
重要的! You can不 enroll in both a medical FSA and L-FSA in the same year.
资金可用性:
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Employees who enroll in a medical FSA or L-FSA during Annual Enrollment will have their full election amount available to them up-front during the first week of January, 或者在他们注册后大约1-2个月内. 例如，医疗 FSA, if you contribute $500 per year, you’ll have access to those funds 1-2 months 注册后. Then you’ll pay the funds back with money evenly deducted from your 薪水.
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DC-FSA funds are only available as they are taken from your paycheck; your full election 数量是 不 预先可用. You can only file claims for dependent care if you have a sufficient 你账户里要付的钱. 你不能在以后的日期提出索赔.
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医疗服务管理局 and L-FSA members will get a 借记卡 to use their funds at the pharmacy and provider's office, making it quick and easy to pay your deductible, copays and 共同保险.
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金融为联合健康集团 will send all newly-enrolled medical FSA and L-FSA participants a 借记卡. New hires and those newly enrolled will receive a 借记卡 within 3-4 入学周数. You may order additional 借记卡s for your dependents (cost (可申请)登入你的帐户 optumbank.com/Tennessee > 点击 on your account type on the left side of the screen on the words “Account Overview” > I want to > Manage 借记卡s > Request Replacement -OR- you may call 客户服务，全天候866.600.订购一张借记卡.
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You can use your 借记卡 at pharmacies, doctor’s offices and other health care 方便从你的账户中付款.
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如果你参加了CDHP/HSA和L-FSA 同一张借记卡 对两个账户都有效吗. 金融为联合健康集团将承担任何牙科或视力费用 from your L-FSA “purse” on the 借记卡 before using any of your HSA funds. 这 让你的HSA基金继续增长.
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如果你 currently have an HSA with a 借记卡 and plan to enroll in an L-FSA, you will use the 同一张借记卡 for both your HSA and L-FSA eligible purchases.
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Dependent care and transportation and parking FSA participants will 不 使用借记卡.
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You should keep all health, dental and vision insurance explanations of benefits when 使用借记卡支付符合条件的医疗费用. 金融为联合健康集团 稍后联系你并要求他们.
如果你 don’t respond to requests from 金融为联合健康集团 to provide documentation for a 借记卡 purchase, your card may be deactivated and the expense reported to your employer for inclusion on your W2 as a taxable expense or turned over to a collection 机构.
如果你 enrolled in a medical FSA or L-FSA, you should go online at optumbank.com/Tennessee to create an account and register your new 借记卡 to pay many of your medical 不在保险范围内的费用. 创建帐户后，您可以 can review your claims activity, upload documentation, provide claims substantiation (if requested), order an additional 借记卡 and see your account balances.
如果你 are enrolled in a DC-FSA only, you can不 使用借记卡, but you can create an online 金融为联合健康集团 account to see your DC-FSA account balance, claims and activity.
You can order an additional 金融为联合健康集团 card, your account 借记卡，一旦你登录 optumbank.com/Tennessee. 新用户需要先注册.
点击 在这里 for instructions on how to receive reimbursements for claims for your medical, limited
目的，依赖者护理和交通和停车fsa.