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Most Popular Questions

I've been reimbursed for more than what I've contributed. Why?

With a Health Care FSA (HCFSA) and a Limited Expense Health Care FSA (LEX HCFSA), you have access to the full amount of your annual allotment (FSA contribution), even before the entire annual allotment has been deducted from your paycheck. Once your employment is verified, you can use your full HCFSA or LEX HCFSA to pay for eligible health care expenses from the very first day your account became effective.

Example 1: Wendy elected $2,000 for her HCFSA for the benefit period (plan year). On January 15, Wendy's husband incurred $1,000 in dental expenses. Although Wendy has not yet contributed $1,000 into her HCFSA, she can still receive a reimbursement for $1,000.

Example 2: During Open Season, Heidi enrolled in a HCFSA as a new participant and elected $1,000 for the benefit period. On New Year's Day (first day of the benefit period), Heidi slipped on the ice and fell. She later went to the emergency room where an X-ray revealed a broken wrist, which was set. Heidi's emergency room expenses are eligible for reimbursement under her HCFSA. Since it's so early in the benefit period, Heidi has not had a single allotment taken from her paycheck, but she can submit her expenses and receive reimbursement for up to her full $1,000 election amount.