Via Benefits Health Care Flexible Spending Account 

Protecting your health and wealth 

How an HCFSA works 

A Health Care Flexible Spending Account (HCFSA), also referred to as a Flexible Spending Account (FSA), is great way to save money on hundreds of eligible health care expenses. HCFSA funds are deducted from your paycheck before taxes are taken out. You decide the total amount you anticipate you’ll need, and spend those funds throughout the plan year. 

Plan, Contribute, and Spend

  • Plan

    Before you decide how much to contribute, you’ll need to estimate how much you spend on eligible health care expenses for you and your family each year. After selecting your contribution amount for the plan year, your funds are set for the year except for certain IRS-qualifying situations that enable you to change your contribution amount.

  • Contribute

    Your entire HCFSA balance is available at the beginning of the plan year. You’ll contribute a portion each pay period through a pre-tax payroll contribution. It’s important to remember that you can’t take your HCFSA balance with you if you leave the company. Any unspent funds will stay with your employer. HCFSAs are typically “use it or lose it,” meaning any funds left over at the end of the plan year are forfeited. Some employers may offer limited carryover from one year to the next. Check your employer’s provisions to factor this in when determining how much to contribute.

  • Spend

    You can start using your entire HCFSA balance on the first day of the plan year. Access your HCFSA balance by using your convenient debit card or submitting a reimbursement request through the website or Via Benefits Accounts mobile app. For both methods, you’ll need to provide receipts to show that the expenses were eligible.

Eligible Expenses 

  • Over-the-counter medicine and supplies 

  • Prescription drugs 

  • Medical copays, deductibles, and coinsurance 

  • And more

How do I get started? 

  • You’ll set up your account when you sign up for your health insurance benefits. 

  • You’ll choose how much you want to contribute to your account. 

  • Your money is deducted from your paycheck before taxes are taken out. 

When can I start spending? 

Your entire annual election is available to spend on the first day of your plan year. 

How much should I set aside? 

It’s a good idea to look at last year’s medical and prescription drug expenses to decide how much you’ll want to save this year. 

  • Direct deposit makes getting reimbursed easier

    Direct deposit is the fastest and most convenient way to receive payments. You can sign up on the website or on the mobile app with just a few clicks.

  • Get quick and easy access to your account!

    You can monitor your HCFSA’s activity online or in the mobile app. You’ll be able to check balances, track and submit reimbursement requests, view transactions, upload receipts, and much more.

  • Save those receipts

    As you use your HCFSA, we may ask to validate that your expenses were for eligible health care expenses. To help ensure your reimbursement requests are processed timely and your reimbursements arrive quickly, make sure you keep track of your receipts and other supporting documents in case you need to upload them to our website or mobile app.

Download the Mobile App 

The Via Benefits Accounts mobile app lets you manage your HCFSA at your fingertips. After downloading, you can conveniently check your balance, track submitted claims, and receive important notifications.