Tax Spending and Savings Accounts

Flexible Spending Accounts, Health Savings Accounts, and more!

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Debit Card Registration (FSA & HSA)

How to register your Flexible Spending Account (FSA) and Health Savings Account (HSA) debit cards so you can begin using your funds. All new enrollees in an FSA or HSA will receive a debit card in the mail a few weeks after enrollment for new hires or prior to the new calendar year if you enrolled during Open Enrollment. The debit card is valid for three years from the date you received it and can be used for multiple years. Do not throw your debit card away at the end of each calendar year. Instructions are below to request a new debit card or to change your address in BenXcel.

 

Step 1:  Receive your debit card in the mail after completing online enrollment.

Step 2: Register your debit card on the MySmartCare Online Portal.

Use your Social Security Number as your Employee ID and your FSA Benefits Debit Card number as your Registration ID when registering.

    Employer ID: BCCSLO

    Employee ID: Your Social Security Number

By registering your email address, you will receive important push notifications regarding your account balance, year-end reminders, notice of debit card mailed, etc. You can change these notifications to be delivered via text message under your My SmartCare account settings.

Step 3: Configure your account, set up your reimbursement method and payment schedule and request additional debit cards for your tax dependents. You will be able to check your balances, track claims status’ and access the FSA store anytime. Don’t forget to download the mobile app to your cell phone.

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Step 4: Registration is complete, you can begin using your debit card!

 

Contact Information

BCC is the third-party administrator for all FSA accounts and should be contacted for all questions regarding your account or a specific claim.

Phone: 800-685-6100

Email: [email protected]

Website: https://benefitcc.wealthcareportal.com

Customer Service Center hours are Monday - Thursday: 5:00am - 5:00pm PT and Friday: 5:00am - 3:00pm PT

FSA Store 

Calculate FSA Tax Savings

Flexible Spending and Savings Accounts (FSA, DCFSA, & LPFSA)

Benefits Overview

All employee contributions to a Flexible Spending Accounts (FSA) are made from pre-tax earnings, lowering your taxable income, and increasing your disposable income. The County offers several different tax savings accounts. Each tax savings account has unique qualified expenses, rules and eligibility to participate. All FSAs & the HSA are administered by Benefits Coordinator Corporation (BCC). Participants will have access to their funds via a debit card, an online platform and mobile app.

Healthcare Flexible Spending Account (FSA)

Who Can Participate? All Employees

Maximum Annual Contribution: $2,750/calendar year with a maximum $550 carryover and minimum $10 rollover

Account Overview: You can set aside money from your pay, pre-tax, and use it for medical, dental, and vision expenses any time during the plan year. Eligible expenses include medical, dental, or vision costs such as plan deductibles, copays, coinsurance amounts, and other non-covered healthcare costs for you and your tax dependents. You don’t have to enroll in one of our medical plans to participate in the healthcare FSA. See the table on the next page for more information on how to access your FSA account. Beginning 1/1/2021 you can rollover up to $550 of your previous year’s FSA unused balance from one calendar year to another. All other unused funds are use it or lose it.

Dependent Care FSA (DCFSA)

Who Can Participate? All Employees

Maximum Annual Contribution: $5,000/calendar year per Household

Account Overview: Pay for eligible out-of-pocket dependent care expenses with pre-tax dollars. Eligible expenses may include daycare centers, in-home childcare, and before or after school care for your dependent children under age 13. All caregivers must have a tax ID or Social Security number. This information must be included on your federal tax return. If you use the Dependent Care Flexible Spending Account, the IRS will not allow you to claim a dependent care credit for reimbursed expenses. Funds in this account are use it or lose it.

Limited Purpose FSA 

Who Can Participate? HDHP Enrollees Only

Maximum Annual Contribution: $2,750/calendar year

Account Overview: If you or your spouse participate in an HDHP HSA plan, you are eligible for the Limited Purpose FSA which you can use for qualified dental and vision expenses only (not medical).

Important Information About Your FSA:

  • Utilize the FSA Tax Savings Calculator to estimate your tax savings.
  • Select an annual contribution amount up to the annual limit. The amount you choose will be divided evenly by the remaining pay periods in the calendar year and deducted each pay period in the calendar year.
  • You cannot change the contribution amount you select during Open Enrollment unless you have a qualified change in family status.
  • FSA funds can be used for you, your spouse, and your tax dependents only.
  • All eligible expenses must occur in the calendar year.
  • Grace Period - After the plan year ends on December 31, you have until March 15 to incur eligible expenses and use the DCFSA funds remaining in your account. Claims for expenses incurred during the grace period must be submitted by March 30, the deadline for submitting claims from the previous plan year.
  • Each Open Enrollment you must take action to elect your annual contribution amount for your FSA for the next year. Your previous year election will NOT roll-over.

Contact Information

BCC is the third-party administrator for all FSA accounts.

Phone: 800-685-6100

Email: [email protected]

Website: https://benefitcc.wealthcareportal.com

Customer Service Center hours are Monday - Thursday: 5:00am - 5:00pm PT and Friday: 5:00am - 3:00pm PT

Submit a Claim for Reimbursement (FSA & HSA)

How to get reimbursed by your Flexible Spending Account (FSA) and Health Savings Account (HSA). You can request reimbursement by utilizing your debit card for automatic reimbursement or submitting a paper reimbursement form. Expenses over $700 will all require additional documentation.

You have several options for reimbursement including direct deposit or paper checks. You can also schedule when you would like to receive your reimbursements throughout the year, in biweekly, monthly, or even one annual installment.

Step 1:  Ensure you have already registered your debit card and login to your MySmartCare account online or on your mobile phone.

Step 2: Click Submit a Claim and follow the prompts. Be sure to have copies of the services provided and your payment. When utilizing the mobile app you can simply take a picture of your documents and upload them.

You may also submit a paper claim form, attach the receipt and submit:

  • E-mail: [email protected]
  • Fax: 412-276-7185
  • Mail: BCC, Attn: Claims Two Robinson Plaza, Suite 200 Pittsburgh, PA 15205
  • Upload via File Transfer Portal: https://secure.benxcel.com

Step 3: Claim submission is complete. BCC will contact you directly if they have any questions about your claim.

Contact Information

BCC is the third-party administrator for all FSA accounts and should be contacted for all questions regarding your account or a specific claim.

 

Phone: 800-685-6100

Email: [email protected]

Website: https://benefitcc.wealthcareportal.com

Customer Service Center hours are Monday - Thursday: 5:00am - 5:00pm PT and Friday: 5:00am - 3:00pm PT

High Deductible Health Plan & Health Savings Accounts

A High Deductible Health Plan (HDHP) is a health plan product that combines a Health Savings Account (HSA) with traditional medical coverage. It provides insurance coverage and a tax-advantaged way to help save for future medical expenses. HDHPs have higher annual deductibles and out-of-pocket maximum limits than other PPO plans. Click here for a short informational video.

​High Deductible Health Plan

With a HDHP, the annual deductible must be met before plan benefits are paid for services other than in-network preventive care services, which are covered 100%. Once your annual out-of-pocket expenses for covered services from in-network providers, including deductibles, copayments and coinsurance, reaches the pre-determined out-of-pocket limit, the plan pays 100% of the allowable amount for the remainder of the calendar year. You are required to meet your medical annual deductible for both medical expenses and prescription drugs before the plan’s coinsurance cost sharing begins. This means you pay the full cost of your medication until you reach your deductible, not a co-pay. 

Another key difference between the HDHP and PPOs/EPO is that under a HDHP, the deductible is aggregate, not embedded. Click here for more information on this distinction. Lastly, note that the HDHP has a separate deductible for in-network services and out-of-network services, so it is advised you try and stay in-network as much as possible. 

For more information on this medical plan, please read our HDHP/HSA FAQs here or click here to watch an overview of how a HDHP & HSA works.

Health Savings Account (HSA)

A Health Savings Account allows employees to pay for current health expenses and save for future qualified medical expenses on a triple tax savings basis. Funds deposited into an HSA are not taxed, the balance in the HSA grows tax free, and that amount is available on a tax-free basis to pay medical costs. For 2022, the HSA contribution limits will be $3,650 for an individual and $7,300 for a family. If you are over 55, you can contribute up to an additional $1,000. 

  • You elect your annual contribution amount to your HSA up to the IRS maximum and it is deducted each pay period, pre-tax . You may change the deduction amounts at any time. The contributions are subject to CA state taxes.
  • Any unspent HSA contributions roll at the end of the year. The funds are not ‘use it or lose it’. There is an IRS limit to how much you can contribute annually, but there is no limit to how much you can accumulate over time.
  • Because your unspent contributions roll over at the end of the year, your medical expenses do not have to occur in the same year as your contributions. You can build up your HSA during the years you have low medical expenses to help you out during the years you have more medical expenses.
  • Use your MySmartCare HSA debit card to pay for qualified medical expenses.
  • HSA funds can be used to pay for qualified medical expenses of IRS tax dependents, even if the dependent is not enrolled in your HDHP.

Click here to view some HSA FAQs.

Click here for HSA Banking information.

HSA Eligibility Requirements: IRS requirements include: you must be enrolled in a HDHP; you cannot be covered by another medical plan that is not a HDHP; you cannot be enrolled in Medicare; other than a spouse, you cannot be claimed on another person’s tax return; and you cannot be covered by a spouse’s Healthcare FSA. For more information on HSA eligibility, contact your tax advisor or review the IRS guidelines here. It is your responsibility to determine your eligibility before enrolling in the HSA

HSA Withdraw Options: 

  1. You can always withdraw tax-free from your HSA for qualified medical expenses.
  2. If you are under age 65 you can withdraw from your HSA for non-medical expenses, but you will be subject to regular tax rates and a 20% penalty.
  3. If you are over age 65 you can withdraw from your HSA for non-medical expenses, but it will be subject to regular tax rates. There will be no penalty.