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Reimbursement Accounts - The Basics

Flexible Spending Account (FSA)


An FSA allows employees to set aside a portion of their earnings to pay for qualified Health Care and Dependent Care expenses on a pre-tax basis.  These funds can be used to pay for health care and dependent care expenses throughout the plan year. You can be reimbursed for expences incurred by you, your spouse, your children up to the age of 26 and any eligible adult tax dependents. 

To determine if an expense is qualified for FSA reimbursement, please refer to our FSA Allowable Expense Listing.
Some Health Care Reimbursement Plans also allow for the coverage of certain Over-the-Counter items. Please refer to your specific Plan for terms of your coverage.

Health Reimbursement Arrangement (HRA)


An HRA is an account offered to employees or retirees. Your employer sets money aside that you can use to pay for deductible and co-insurance amounts, or other covered medical expenses. Remaining dollars can generally be used from year to year, as long as you continue to be a member of the plan. The money, contributed by your employer, doesn't count as income; saving you valuable tax dollars. HRA plan designs vary widely from employer to employer. Refer to your Plan to determine which types of expenses are covered.

Qualified Transportation/Commuter Expense Accounts


Qualified Transportation Expense Accounts allow employees to set aside a portion of their salary on a pre-tax basis to pay for eligible expenses. Employees simply designate an amount for Mass Transit (up to the statutory limit) and a separate account for Parking expenses (up to the statutory limit).