Flexible Spending Arrangements (FSAs)

Flexible Spending Arrangements (FSAs) allow you to pay certain qualifying expenses with pre-tax dollars for medical and dependent care expenses.

Accessing your Medical Mutual FSA

Medical Mutual FSA has completed its newly designed My Spending Accounts website. Now you can manage both your health plan and your FSA in one place using My Health Plan, a secure member website through Medical Mutual.

To access your FSA information if you have Medical Mutual insurance:

• Go to MedMutual.com/member
• Log in or register for a My Health Plan account
• Click My Spending Accounts under the Claims and Balances tab
• Accept the Terms and click Submit

If you have any questions about the registration process or your FSA, please call (800) 525-9252.

To access your FSA information if you do NOT have Medical Mutual insurance:

• Contact Customer Service at 1-800-525-9252 to obtain your FSA employee ID number.
• Go to www.MedMutual.com/MySpendingAccounts

Eligible Health FSA Expenses

Only eligible expenses can be reimbursed through your Health FSA. These expenses are defined by Internal Revenue Code § 213(d) and your employer’s plan.

Generally, eligible expenses include items that are meant to diagnose, cure, mitigate, treat, or prevent illness or disease. This also includes transportation for medical care. However, expenses such as cosmetic surgery, insurance premiums, vitamins, and items for general well-being are not eligible expenses.

Over-the-counter (OTC) medicines and drugs require a prescription to be an eligible Health FSA expense. You must obtain a written or electronic prescription from a doctor (or another individual who can legally issue a prescription) in the state in which you purchase the OTC medicines. This rule does not apply to eligible OTC health care items (i.e., thermometers and bandages).

Health FSA expenses must be incurred by you, your spouse, or your eligible dependents during the current plan year and while you are an active participant in the FSA plan. Medical care expenses are incurred when you (or your spouse or dependents) are provided with medical care – not when you are formally billed, charged for, or pay for the medical care. Only qualified “out-of-pocket” expenses are eligible for reimbursement. Expenses previously reimbursed by your Health FSA or covered by any other plan or program are not eligible for reimbursement. There’s no “double-dipping” allowed.

Expenses reimbursed under your Health FSA may not be used to claim any federal income tax deduction or credit.

Examples of Eligible Health FSA Expenses:

• Medical expenses: co-pays, co-insurance, and deductibles
• Dental expenses: exams, cleanings, X-rays, and braces
• Vision expenses: exams, contact lenses and supplies, eyeglasses, and laser eye surgery
• Professional services: chiropractor and acupuncture
• Prescription drugs and insulin
• Over-the-counter health care items: bandages, pregnancy test kits, blood pressure monitors, etc.

Medical Mutual Health Care FSA Brochure

Eligible Dependent Care FSA Expenses

Only eligible expenses can be reimbursed under the FSA. These expenses are defined by (§)129 and your employer’s plan.

Dependent care expenses must be incurred during the coverage period so you (and your spouse, if married) can work or look for work. Full-time students who attend school for at least five months during the tax year may also incur dependent care expenses. “Work” may include actively looking for work, but it does not include unpaid volunteer work or volunteer work for a nominal salary.

A dependent care FSA covers qualified dependent care expenses incurred for the care of one or more qualifying individuals.

Eligible Expenses

• Before-school and after-school care
• Expenses for preschool/nursery school
• Extended day programs
• Au pair services (amounts paid for the actual care of the dependent)
• Baby sitter (in or out of the home)
• Nanny services (amounts paid for the actual care of the dependent)
• Summer day camp for your qualifying child under the age of 13
• Elder day care for a qualifying individual

Ineligible Expenses

• Amounts paid to your spouse, your child under age 19, a parent of your child who is not your spouse or an individual for whom you or your spouse is entitled to a personal tax exemption as a dependent
• Expenses related to a disabled spouse or tax dependent living outside your household
• Educational expenses
• Tuition for kindergarten and above
• Food expenses (unless inseparable from care)
• Incidental expenses (such as extra charges for supplies, special events, or activities unless inseparable from care)
• Overnight camp

Expenses reimbursed under your dependent care FSA cannot be used to claim any federal income tax deduction or credit.

Medical Mutual Dependent Care FSA Brochure

Note: If you are enrolled in a High Deductible Health Plan you cannot participate in a health flexible spending arrangement.

Provider
Medical Mutual FSA
MedMutual.com/member
800.525.9252

Flexible Spending Account Plan Document