Headline: Deductible Plans

Managing your FSA


      If you enroll in a Kaiser Permanente health plan, your employer may offer you a flexible spending account (FSA). An FSA is a tax-advantaged financial account that allows you to contribute pretax dollars* to pay for qualified medical expenses or qualified dependent care expenses, depending on the type of FSA you have.

      Contributions to your FSA


      Typically, you’ll make contributions to your FSA through payroll withholdings. These contributions aren’t subject to payroll taxes. At the start of your FSA plan year, you can decide how much you wish to contribute to your FSA, although your employer may set a limit on how much you can contribute each plan year.

      Remember to use all your money by the end of your plan year, or you may lose it. FSA funds do not roll over to the next plan year unless your employer has allowed this for your Medical FSA.

      FSAs administered through Kaiser Permanente

      Your employer may choose to offer an FSA administered through Kaiser Permanente. If so, one of three types of FSA may be available to you:

      • Medical FSA: An FSA featuring a debit card that allows you to use the funds in your account to pay for qualified medical expenses.
      • Dependent care FSA: An FSA without a debit card, which allows you to use the funds that you’ve contributed to pay for qualifying dependent care expenses.
      • FSA/HRA: A medical FSA offered alongside an HRA. You can use the funds in both accounts to pay for qualified medical expenses.** Your employer will determine whether funds from your FSA or HRA will be used first.

      If your employer chooses a non-Kaiser Permanente FSA administrator, contact your company's benefits manager to find out what type of FSA is being offered.

      Getting started—Medical FSA


      If your employer chooses to offer a medical FSA through Kaiser Permanente, in most cases, Kaiser Permanente will send you an FSA Health Payment Card. You can use your card like a bank debit card at any Kaiser Permanente facility or any other medical facilities that accept Visa debit cards. If your account doesn’t come with an FSA Health Payment Card, you can still use your FSA money to pay for qualified medical expenses by submitting a claim for reimbursement later.

      If your employer chooses a non–Kaiser Permanente FSA administrator, contact your company’s benefits manager for information on how to get started.

      Payment options and reimbursement


      During your visit


       Payment options


       Action required for reimbursement from your FSA

      Pay with your FSA Health Payment Card or debit card, if one was provided. This is the most convenient option available.**

      None. Just save copies of your Explanation of Benefits (EOBs), bills, and itemized receipts, which may be required later for substantiation.

      Use another payment method (cash, check, credit card, or another debit card). Request reimbursement from your FSA administrator. If your account is administered through Kaiser Permanente, you can request a reimbursement at kp.org/healthpayment or with our free KP HRA/HSA/FSA Balance Tracker app, which you can download for your smartphone or mobile device. 
      Split a payment between your FSA Health Payment card or debit card** and another payment method (if your qualified medical expense is greater than the balance in your FSA.

      None. Just save copies of your Explanation of Benefits (EOBs), bills, and itemized receipts, which may be required later for substantiation.


      After your visit
      When you receive a bill for services from Kaiser Permanente:


       Payment options


       Action required for reimbursement from your FSA

      Pay with your FSA Health Payment card or debit card, if one was provided.** Write the card number in the credit card section of the bill and return it to Kaiser Permanente.

      None. Just save copies of your Explanation of Benefits(EOBs), bills, and itemized receipts, which may be required later for substantiation.

      Use another payment method (cash, check, credit card, or another debit card).

      Request reimbursement from your FSA administrator. If your account is administered through Kaiser Permanente, you can request a reimbursement at kp.org/healthpayment or with our free KP HRA/HSA/FSA Balance Tracker app, which you can download for your smartphone or mobile device. 


      Save your receipts and other documentation


      Remember to save all your Explanation of Benefits (EOBs), bills, and itemized receipts. They may be required when you submit your FSA claims.

      The documentation should show:

      • name of the person getting the service
      • name of service provider
      • type of service
      • date of service
      • amount charged

      Getting started—Dependent Care FSA


      If your employer chooses to offer a dependent-care FSA through Kaiser Permanente, you can use the funds in your account to pay for qualified dependent-care expenses, such as childcare expenses.

      To use your dependent-care FSA, you'll need to pay out of pocket using your own funds and then request a reimbursement from your account later. To request a reimbursement, you can file a claim at kp.org/healthpayment or with our free KP HRA/HSA/FSA Balance Tracker app, which you can download for your smartphone or mobile device. Or call 1-877-761-3399 to request a claim form, Monday through Friday from 5 a.m. to 7 p.m. Pacific time (closed holidays).

      If your employer chooses a non-Kaiser Permanente FSA administrator, contact your company's benefits manager for information on how to get started.

      Managing your account


      If you have a Kaiser Permanente FSA, you can access account information online 24 hours a day, seven days a week, at kp.org/healthpayment. You’ll be able to check your account balance, file claims, view transaction history and more. You can also call 1-877-761-3399 to speak to a customer service representative, Monday through Friday from 5 a.m. to 7 p.m. Pacific time (closed holidays).

      You can check your balance on the KP HRA/HSA/FSA Balance Tracker app, kp.org/costestimate, or by calling Health Payment Services. Please note that your HRA balance won’t appear on your Explanation of Benefits (EOB) or bills.

      Access your account when you’re on the go — just download our free KP HRA/HSA/FSA Balance Tracker app for your smartphone or mobile device.

      For additional information:


      FSA Frequently Asked Questions — Kaiser Permanente
      (English) (Spanish) (Chinese)♦


       
      *The tax references on this website relate to federal income tax only. Consult with your financial or tax adviser for information about state income tax laws. Federal and state tax laws and regulations are subject to change. If tax, investment, or legal advice is required, seek the services of a qualified professional.

      A qualified medical expense is defined under Internal Revenue Code Section 213(d). For a list of qualified medical expenses, download the IRS Publication 502, Medical and Dental Expenses, at irs.gov/publications. As an FSA account holder, you're ultimately responsible for determining whether an expense is a qualified medical expense.

      For a list of qualified dependent care expenses, download the IRS Publication 503, Child and Dependent Care Expenses, at irs.gov/publications.

      **Depending on the type of HRA your employer selects with the FSA/HRA, the qualified medical expenses that you can pay for with your HRA, may vary. Check with your employer's plan administrator for details.

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