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.
Your employer can choose to offer an FSA administered through Kaiser Permanente or an FSA administered by another administrator. If your employer offers an FSA with another administrator, contact your company's benefits manager to find out what type of FSA is being offered and how it will work for you.
FSAs administered through Kaiser Permanente
There are two types of FSA that may be available to you:
- Medical FSA: An FSA featuring a Kaiser Permanente Health Payment Card** that allows you to use the money in your account to pay for qualified medical expenses.† You can use your card like a bank debit card at any Kaiser Permanente facility or other medical facilities that accept Visa debit cards.
- Dependent care FSA: An FSA, which allows you to use the money that you’ve contributed to pay for qualifying dependent-care expenses.‡With this FSA, you'll need to pay out of pocket using your own funds, then request reimbursement from your account later.
Contributions to your FSA
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 up to the maximum amount set by the Internal Revenue Service each plan year, although your employer may set a lower maximum than the one permitted by the IRS.(Add footnotes for Medical FSA and Dependent Care FSA)
Remember to use all your money by the end of your plan year, or you may lose it. Unused FSA funds do not roll over to the next plan year unless your employer has allowed this for your Medical FSA.
If your employer chooses to offer you an FSA administered through Kaiser Permanente, follow your employer's enrollment process to sign up for the health plan and FSA. Be sure to let your employer know how much you plan to contribute to your FSA for the year as your employer will handle your payroll contributions. Once you're enrolled and your FSA is set up, you'll receive a welcome letter and your health payment card, if applicable, in the mail.
|Health Payment Card||
With your Medical FSA, you can use this debit card either to:
- Pay for services when you go in for care, or
- Pay a bill by mail by writing the card number on the bill and sending it in.
For most payments made at Kaiser Permanente facilities, no additional action is required. Just be sure to save copies of your Explanation of Benefits (EOBs), bills, and itemized receipts, in case you are asked to provide them to validate your payment was for a qualified expense.
You can pay out of pocket using your own money and get reimbursed from your FSA later. If you have a dependent care FSA, you won't receive a Health Payment Card, so reimbursement will be your only option for using your FSA to pay for care.
There are 3 ways to file a claim for reimbursement
1. Online at kp.org/healthpayment
2. Through the KP HRA/HSA/FSA Balance Tracker app
3. By calling Health Payment Services and requesting a claim form
For all claims you file, you will need to provide supporting documents in the form of an Explanation of Benefits (EOBs), bills, and itemized receipts to validate that your expenses are qualified expenses.
Save your receipts and other documentation
Remember to save all your Explanation of Benefits (EOBs), bills, and itemized receipts. They will be required when you submit an FSA claims and may be requested to validate certain payments made with your Health Payment Card. If you lose a bill, you can view and print copies at kp.org.
All documentation should show:
- name of the person getting the service
- name of service provider
- type of service
- date of service
- amount charged
Managing your account
With your FSA administered through Kaiser Permanente, you can access account information online 24 hours a day, 7 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 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 KP HRA/HSA/FSA Balance Tracker app for your smartphone or mobile device. For instructions on logging into the app for the first time, please login to kp.org/healthpayment. From the home page, go to Tools & Support, then click Download Mobile App under How Do I?.
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 (except holidays).
For additional information:
*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 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.
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