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Most Popular Questions

What is the difference between an HCFSA, a LEX HCFSA and a DCFSA?

A Health Care FSA (HCFSA) pays for the qualified medical expenses not covered or reimbursed by your FEHB plan or any other type of health care plan. It is NOT limited to only dental and vision care services or products.

Though the Limited Expense Health Care FSA (LEX HCFSA) is similar to the HCFSA, it differs by the type of expenses it covers. The expenses are limited to qualifying dental and vision care services and products that meet the IRS definition of medical care. Also, only those employees who have an HSA-qualified high-deductible health plan (HDHP) and a Health Savings Account (HSA) are eligible to enroll in a LEX HCFSA.

The Dependent Care FSA (DCFSA) pays for eligible child care or adult dependent care expenses that are necessary to allow you or your spouse to work or your spouse to attend school full-time. It also pays while you or your spouse look for work. However, it does not pay if you (or your spouse) did not find a job and have no earned income for the year. The DCFSA does NOT pay for medical care for your dependents.

Despite the differences between the FSAs, each allows you to pay for qualified expenses with pre-tax dollars, money that is deducted from your paycheck before taxes are taken out by your employer - saving you 20 to 40 percent or more.