How do i check my unitedhealthcare fsa balance

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Table of Contents Show

Frequently asked questions about your FSA
Pay the faster way
What is a health care FSA?
Don't leave money behind
Tax savings
Additional resources
Getting started with your FSA
Paying with your FSA
How do I check my FSA balance?
How do I use my health care flexible spending account?
How do I get cash from my FSA card?
Can I go over my FSA balance?

Frequently asked questions about your FSA

A service or expense must be incurred before it is eligible for reimbursement. An FSA expense is considered “incurred” when the service is performed, not when you pay for the service. The service also must be performed during your participation in the plan. Services or expenses incurred before or after your plan participation dates do not qualify for reimbursement.

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This website provides general information related to the Zenefits services and related laws and best practices. This website and Zenefits employees do not provide legal advice. While we strive to provide useful general information applicable to the majority of our clients, we do not - and cannot - provide legal advice specific to your company and your situation. If you have specific legal questions or concerns, we encourage you to discuss them with your legal advisor.

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A health care FSA reimburses you for eligible health care expenses for you and your eligible dependents. Eligible expenses include medical, dental, vision, hearing and prescription drug expenses. You can also use FSA funds to pay for copays, coinsurance and certain over-the-counter (OTC) items.

What can I buy?

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Pay the faster way

Your FSA card is the fastest and most convenient way to pay for everything, from bandages to braces, and contacts to chiropractors. Plus you save up to 30%* since you’re using pre-tax dollars. Shop the Optum Store for even more savings. Get 7% off at checkout with code OPTFSA7.

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Eligible expenses

Learn about eligible health care expenses for your health care FSA.

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Learn how FSAs work

A health care FSA lets you cover eligible health expenses with before-tax dollars.

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What is a health care FSA?

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Don't leave money behind

In most cases, your health care FSA funds are available as soon as they appear in your account. It’s important to understand that in most cases FSA have a “use it or lose it” rule. That means you may lose any money left in your account at the end of the plan year. Use your FSA card to shop local retailers and save up to 30%* since you're using pre-tax dollars. Learn more.

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Tax savings

Your taxable income is reduced by the amounts you deposit into your FSA accounts, up to IRS limits.

2022 limits:

Health care FSA max IRS election: $2,850
Dependent care FSA max IRS election:
- Individual: $2,500
- Family: $5,000

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Additional resources

Getting started with your FSA

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Tips for spending your FSA

It’s important to understand the “use it or lose it” rule for FSAs. That means you may lose any money left in your account at the end of the plan year.

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Paying with your FSA

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*Assuming 22% federal income tax and 7.65% FICA. Results and amount will vary depending on your circumstances.

How do I check my FSA balance?

Simply log in to your FSAFEDS online account at any time to manage all aspects of your Health Care FSA: Check account balances. Submit claims and view claims status. Look up eligible expenses.

How do I use my health care flexible spending account?

You use your FSA by submitting a claim to the FSA (through your employer) with proof of the medical expense and a statement that it has not been covered by your plan. You will then receive reimbursement for your costs. Ask your employer about how to use your specific FSA.

How do I get cash from my FSA card?

Unfortunately, FSA cards cannot be used to withdraw FSA funds from an ATM. These cards can only be used directly on qualifying medical products and services. This comes from the fact that FSA funds are pre-tax and cash cannot be easily monitored for eligible purchases.

Can I go over my FSA balance?

May I carry over a balance of up to $550 if my maximum Healthcare FSA contribution limit is less than $2,750? Yes, the $550 (depending on your employer's plan) carryover option is available for any Healthcare FSA contribution level your employer elects.