Flexible Spending Accounts (ITS)

                                               GENERAL FSA INFORMATION

The County offers two different types of FSA programs. The first is a Health Care FSA (HCFSA) which pays for the uncovered or unreimbursed portions of qualified medical costs. The second is a Dependent Care FSA (DCFSA) which allows you to pay eligible expenses for dependent care with pre-tax dollars.

ENROLLMENT AND GENERAL INFORMATION

All employee contributions to FSAs are made from pre-tax earnings, thereby increasing your disposable income. There are no employer contributions to the FSA (ITS) program and contributions are use it or lose it! Your FSA (ITS) Program is self-administered by Benefits Coordinators Corporation (BCC) through their MySmartCare online portal. By law, retirees are not eligible to maintain FSAs.

If you would like to establish a HCFSA or DCFSA, you must do so within the thirty-one (31) days of employment or during Open Enrollment on an annual basis. Account elections will not automatically roll over to future years. An FSA ELECTION IS 100% VOLUNTARY. The FSA (ITS) Open Enrollment is held each Fall. Eligible employees may elect up to $2,600 for a HCFSA and $5,000 for a DCFSA during the 2018 plan year.


Employees can file claims online through BCC’s MySmart Care portal at: https://www.mywealthcareonline.com/bccsmartcare

Click here for instructions on how to set up your MySmartCare portal.

  • Employer ID: BCCSLO
  • Employee ID: Your Social Security Number

Click here for Reimbursement Method Instructions

Tax Savings Calculator

All employee contributions to FSAs are made from pre-tax earnings, thereby increasing your disposable income. There are typically no employer contributions to the FSA (ITS) program. Your FSA (ITS) Program is self-administered by BCC. By law, retirees are not eligible to maintain FSAs.

2019 FLEXIBLE SPENDING ACCOUNTS (FSA)

SLOCEA & Unrepresented Employees ONLY: Employees in Bargaining Units 01, 02, 05, 13, 07, 08, 09, 10, 11, & 16 enrolled in County Medical with no covered depedents will be recieving an one-time $500 County contribution to their 2019 FSA account. All employees in this category will receive a welcome packet and a debit card from BCC, our FSA administrator in late December. Please do not discard this maling as you will need this information to access your funds. 

All employee contributions to FSAs are made from pre-tax earnings, thereby increasing your disposable income. Click here to calculate your tax savings when you contribute to a FSA. There are no employer contributions to the FSA program. When you have qualified expenses, you can get reimbursed by this account.

  • Select an annual contribution amount up to the 2019 limit and that amount will be divided evenly and deducted each pay period in 2019. 
  • You cannot change the contribution amount you select during Open Enrollment unless you have a qualified change in family status. 
  • All eligible expenses must occur in the 2019 calendar year.
  • You have until March 1st, 2020 to submit approved receipts for reimbursement. 
  • FSA funds can be used for you, your spouse, and your tax dependents only.

Click here to view an informational FSA borchure. 

You must take action during Open Enrollment if you would like to contribute to a FSA in 2019, your 2018 election will NOT roll over. Spend remaining Health dollars at the FSA Store if you have a remaining balance but no eligiible expenses.

You are eligible to participate in both the General-Purpose Healthcare & the Dependent Care FSA if you are enrolled in the PPO or EPO plans. The IRS prohibits you from enrolling in both an HSA and a General Purpose Healthcare FSA. However, if you are enrolled in the HDHP and an HSA, you can participate in the Limited-Purpose Dental & Vision FSA and the Dependent Care FSA. All the Flexible Spending Accounts (FSAs) are administered by Benefits Coordinator Corporation (BCC).

New! 2019 Healthcare FSA Enhancement:

Beginning 1/1/2020 you can rollover up to $500 of your previous year’s FSA unused balance. Any left over funds in either your General Purpose Healthcare FSA or your Limited Purpose Dental & Vision FSA exceeding $500 at the end of 2019 will be use it or lose it. No remaining funds at the end of the 2019 in your Dependent Care FSA can be rolled over, they are use it or lose it. Any remaining funds in either FSAs at the end of this year (2018) will be use it or lose it, the rollover will not be in effect yet. Click here for an informational flyer on the rollover provision

General-Purpose Healthcare FSA

(2018 Contribution Limit: $2,650)*

OR

Limited Purpose Dental & Vision FSA

(2018 Contribution Limit: $2,650)*

 Pay for eligible out-of-pocket healthcare expenses with pre-tax dollars. 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

 

Employees who enroll in the new High Deductible Health Plan and choose to contribute to an HSA cannot contribute to the General-Purpose Healthcare FSA, but may enroll in the Limited Purpose Healthcare FSA, which will pay for/reimburse dental & vision expenses only.

                                                          *2019 limits not yet released by IRS

Dependent Care FSA

(2018 Contribution Limit: $5,000)*

Pay for eligible out-of-pocket dependent care expenses with pre-tax dollars. Eligible expenses may include daycare centers, in-home child care, and before or after school care for your dependent children under age 13. Other individuals may qualify if they are considered your tax dependent and are incapable of self-care. It is important to note that you can access money only after it is placed into your dependent care FSA account. 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 reimbursement account, the IRS will not allow you to claim a dependent care credit for reimbursed expenses. Consult your tax advisor to determine whether you should enroll in this plan.

                                                           *2019 limits not yet released by IRS

                                   Registration & Reimbursement Information 

Register on the My SmartCare Online Portal

Click here for a My SmartCare Reigstration Guide.

  • Employer ID: BCCSLO
  • Employee ID: Your Social Security Number

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

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.

If you have questions regarding your account(s) or a specific claim, please contact BCC’s Customer Service Center at 1-800-685-6100. Any device issues should be directed to your service provider. 

FSA Reimbursement Options

Debit Card

My SmartCare App

Other Electronic

Paper Submission

Swipe your benefits debit card at the point of service deducts the payment directly from your account, giving you instant access to your FSA dollars.

No Reimbursement Form required, just upload a picture of your receipt!

Fill out the Reimbursement Form & attach the receipt:

E-mail: [email protected] OR

Upload to File Transfer Portal: https://secure.benxcel.com

Fill out the above Reimbursement Form & attach the receipt:

Fax: 412-276-7185

            OR

Mail: BCC, Attn: Claims Two Robinson Plaza, Suite 200 Pittsburgh, PA 1520

Click here for instructions on how to set up direct deposit for your reimbursements!