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Subject Author Date
Health FSA for spouse of employee ATHiker95 06-10-2008
Posted by ATHiker95 on June 10, 2008, 2:16 pm
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 I have my health insurance through my wife's employer. She is going
to set up a health FSA this year and we're wondering if the debit card
that is issued can also be used for my medical expenses or if I have
to have a separate one through my employer? (and if it can be used
through her plan, would they normally issue a separate card for
myself?). Of course, we have to decide to sign up or not sign up by
tomorrow and naturally the human resources dept won't call us back in
time for us to decide.

Thanks!
Mark

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Posted by removeps-groups@yahoo.com on June 10, 2008, 5:32 pm
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> I have my health insurance through my wife's employer.  She is going
> to set up a health FSA this year and we're wondering if the debit card
> that is issued can also be used for my medical expenses or if I have
> to have a separate one through my employer? (and if it can be used
> through her plan, would they normally issue a separate card for
> myself?). Of course, we have to decide to sign up or not sign up by
> tomorrow and naturally the human resources dept won't call us back in
> time for us to decide.

I'm not aware of any debit card. What I've seen is that the
employee's FSA covers themselves and their spouse. To cover your
children you need a dependent FSA. As for using the FSA, just pay
your expenses -- such as co-payments for doctors, surguries, and
medicines; cost of glasses and contacts not covered by VSP; OTC
medicines (which may require a prescription/note from doctor); etc --
out of pocket. Then submit an FSA claim form with receipts to the
company that manages your FSA. If anyone has seen it work
differently, please write.
out of pocket

--
<< ------------------------------------------------------- >>
<< The foregoing was not intended or written to be used, >>
<< nor can it used, for the purpose of avoiding penalties >>
<< that may be imposed upon the taxpayer. >>
<< >>
<< The Charter and the Guidelines for submitting posts >>
<< to this newsgroup as well as our anti-spamming policy >>
<< are at www.asktax.org. >>
<< Copyright (2007) - All rights reserved. >>
<< ------------------------------------------------------- >>

Posted by Tom Russ on June 10, 2008, 8:20 pm
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On Jun 10, 2:32 pm, "removeps-gro...@yahoo.com" <removeps-
gro...@yahoo.com> wrote:
>
> > I have my health insurance through my wife's employer.  She is going
> > to set up a health FSA this year and we're wondering if the debit card
> > that is issued can also be used for my medical expenses or if I have
> > to have a separate one through my employer?
>
> I'm not aware of any debit card.

Some plans issue debit cards to be used to pay for the expenses
directly instead of cutting a check for reimbursement. Our plan works
that way. They do still require that receipts be submitted, but the
reimbursement is "pre-paid" through the use of the debit card.

>  What I've seen is that the
> employee's FSA covers themselves and their spouse.  To cover your
> children you need a dependent FSA.

Again, this is not the way our plan works. There is only a single
plan which can be used for any eligible persons. That would include
spouse and dependent children.

I would consider it a serious misfeature to have to guess separately
how much my kids would need compared to my wife and I. It's already
tough enough to make those sorts of guesses and doubling the chances
to enter "lose it" territory is just nasty.

--
<< ------------------------------------------------------- >>
<< The foregoing was not intended or written to be used, >>
<< nor can it used, for the purpose of avoiding penalties >>
<< that may be imposed upon the taxpayer. >>
<< >>
<< The Charter and the Guidelines for submitting posts >>
<< to this newsgroup as well as our anti-spamming policy >>
<< are at www.asktax.org. >>
<< Copyright (2007) - All rights reserved. >>
<< ------------------------------------------------------- >>

Posted by ATHiker95 on June 10, 2008, 8:20 pm
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On Jun 10, 5:32 pm, "removeps-gro...@yahoo.com" <removeps-
gro...@yahoo.com> wrote:
>
> > I have my health insurance through my wife's employer. She is going
> > to set up a health FSA this year and we're wondering if the debit card
> > that is issued can also be used for my medical expenses or if I have
> > to have a separate one through my employer? (and if it can be used
> > through her plan, would they normally issue a separate card for
> > myself?). Of course, we have to decide to sign up or not sign up by
> > tomorrow and naturally the human resources dept won't call us back in
> > time for us to decide.
>
> I'm not aware of any debit card. What I've seen is that the
> employee's FSA covers themselves and their spouse. To cover your
> children you need a dependent FSA. As for using the FSA, just pay
> your expenses -- such as co-payments for doctors, surguries, and
> medicines; cost of glasses and contacts not covered by VSP; OTC
> medicines (which may require a prescription/note from doctor); etc --
> out of pocket. Then submit an FSA claim form with receipts to the
> company that manages your FSA. If anyone has seen it work
> differently, please write.
> out of pocket

Thanks, just wanted to make sure as a Spouse on my wife's plan, that I
would be covered. And yes, a debit card does exist for this type of
account (at least through my wife's plan, it does), which does away
with the requirement to file claims. You just use the debit card.
Makes it nice and simple.

Mark

--
<< ------------------------------------------------------- >>
<< The foregoing was not intended or written to be used, >>
<< nor can it used, for the purpose of avoiding penalties >>
<< that may be imposed upon the taxpayer. >>
<< >>
<< The Charter and the Guidelines for submitting posts >>
<< to this newsgroup as well as our anti-spamming policy >>
<< are at www.asktax.org. >>
<< Copyright (2007) - All rights reserved. >>
<< ------------------------------------------------------- >>

Posted by Arthur Kamlet on June 10, 2008, 8:27 pm
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>On Jun 10, 5:32 pm, "removeps-gro...@yahoo.com" <removeps-
>gro...@yahoo.com> wrote:
>>
>> > I have my health insurance through my wife's employer. She is going
>> > to set up a health FSA this year and we're wondering if the debit card
>> > that is issued can also be used for my medical expenses or if I have
>> > to have a separate one through my employer? (and if it can be used
>> > through her plan, would they normally issue a separate card for
>> > myself?). Of course, we have to decide to sign up or not sign up by
>> > tomorrow and naturally the human resources dept won't call us back in
>> > time for us to decide.
>>
>> I'm not aware of any debit card. What I've seen is that the
>> employee's FSA covers themselves and their spouse. To cover your
>> children you need a dependent FSA. As for using the FSA, just pay
>> your expenses -- such as co-payments for doctors, surguries, and
>> medicines; cost of glasses and contacts not covered by VSP; OTC
>> medicines (which may require a prescription/note from doctor); etc --
>> out of pocket. Then submit an FSA claim form with receipts to the
>> company that manages your FSA. If anyone has seen it work
>> differently, please write.
>> out of pocket
>
>Thanks, just wanted to make sure as a Spouse on my wife's plan, that I
>would be covered. And yes, a debit card does exist for this type of
>account (at least through my wife's plan, it does), which does away
>with the requirement to file claims. You just use the debit card.
>Makes it nice and simple.


I hope you have to prove these were allowable medical expenses?

Otherwise, I assume that debit card can be used to charge a trip
to Vegas?
--


ArtKamlet at a o l dot c o m Columbus OH K2PZH

--
<< ------------------------------------------------------- >>
<< The foregoing was not intended or written to be used, >>
<< nor can it used, for the purpose of avoiding penalties >>
<< that may be imposed upon the taxpayer. >>
<< >>
<< The Charter and the Guidelines for submitting posts >>
<< to this newsgroup as well as our anti-spamming policy >>
<< are at www.asktax.org. >>
<< Copyright (2007) - All rights reserved. >>
<< ------------------------------------------------------- >>

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