Health Care Spending Account Benefits (HCSA)

If you’re an active state employee, you can save money by paying for qualifying health care expenses on a pre-tax basis.

The GIC’s Flexible Spending Accounts (FSAs), administered by ASIFlex, help you save money on out-of-pocket health care costs and/or dependent care expenses. On average, state employees save $300 in federal and state taxes for every $1,000 contributed.

Eligible Expenses

Through the GIC’s Health Care Spending Account (HCSA), active state employees can pay for qualifying out-of-pocket health and dental care expenses on a pre-tax basis. Examples include:

  • Physician office visit and prescription drug copayments
  • Medical deductibles and coinsurance
  • Eyeglasses, prescription sunglasses, and contact lenses
  • Orthodontia and dental care
  • Hearing aids and durable medical equipment
  • Smoking cessation and childbirth classes
  • Chiropractor and acupuncture visits

For fiscal year 2019, participants can contribute from $250 to a maximum of $2,650 through payroll deduction on a pre-tax basis. Active state employees who are eligible for GIC benefits are eligible to enroll in the HCSA.

Eligibility and Monthly Fee

If you’re an active state employee who is eligible for GIC health benefits, you’re eligible to enroll in the HCSA. You must also work at least 18.75 hours in a 37.5-hour work week or 20 hours in a 40-hour work week (half-time) to be eligible.

For the 2019 fiscal year, the monthly administrative fee for HCSA only, DCAP only, or HCSA and DCAP combined is $2.50 on a pre-tax basis.

Reimbursement

All HCSA participants receive two free debit cards from ASIFlex to pay for health care expenses out of their HCSA account. Additional cards for other dependents are $5.00 per set of two cards. For DCAP participants, and as an alternative for HCSA participants, you may pay for expenses and then submit a claim form with receipt(s) to receive reimbursement by check or direct deposit. ASIFlex has an online tool and mobile app to help expedite your claims submission. As required by the IRS, keep copies of all HCSA and DCAP receipts with your tax documents.

Additional Resources for Reimbursement

Key FSA Dates

  • 2019 Fiscal Plan Year: July 1, 2018 – June 30, 2019
  • Annual Enrollment: April 4 – May 2, 2018
  • 2½-Month Grace Period: July 1 – September 15, 2019
  • Claim Filing Deadline: October 15, 2019
     

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