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Flexible Spending Accounts FSAs

Flexible Spending Accounts (FSAs)

FSAs help you save money by letting you set aside pre-tax dollars each pay period to cover everyday healthcare or dependent care expenses. Both plans are administered by P&A Group.

Healthcare FSA: Set aside up to $3,200 annually (pre-tax) in 2025 and $3,300 annually in 2026 to pay for eligible medical, dental, and vision expenses.  

Use it for:

  • Copays, coinsurance, and deductibles
  • Prescription medications not fully covered
  • Eyeglasses, contact lenses, and vision supplies
  • Hearing aids and batteries, breast pumps, and other medical devices
  • Services like acupuncture

You'll get a Mastercard debit card to pay for qualifying expenses directly.

Important: Use your funds by March 15 of the following year — any unused money after this deadline is forfeited (the “use-it-or-lose-it” rule).

Dependent Care FSA

Set aside up to $5,000 annually (pre-tax) to help pay for care of eligible dependents so you (and your spouse, if married) can work.

Use it for:

  • Childcare, nursery school, or preschool
  • After-school programs
  • Summer day camps
  • Adult daycare services for elderly dependents

Important: Funds must be used by December 31 of the same plan year — unused funds will be lost.

FSA FAQs

  1. How do I know if I want an FSA? FSAs can save you up to 30% by using pre-tax dollars, so consider how much you typically spend on medical, dental, vision, and child/elder care and you can set aside up to $3,200 for healthcare or $5,000 for dependent care.
  2. How do I access the money in my FSA? You can access the funds using a debit card or by submitting receipts for reimbursement at the P&A website at padmin.com.
  3. What happens if I don’t use all the money in my FSA? FSA funds should be used by year-end, but you have until March 15 to spend prior-year Healthcare FSA dollars and until March 31 to claim Dependent Care expenses incurred by December 31.
  4. Should an FSA vary year by year? Yes, you can adjust your FSA contribution each year based on your expected expenses.
  5. Should I have an FSA every year? Whether to have an FSA each year depends on your expected healthcare or dependent care expenses, but it can be a smart way to cover costs like copays using pre-tax dollars.
  6. Can I see how much I have spent out of my FSA? Contact P&A Group at (800) 688-2611 or access your account at padmin.com.
  7. How do I add my spouse to the FSA? Do I select healthcare for me and dependent care for my spouse? No, the FSAs are two different plans. You don’t need to add your spouse separately to a Healthcare FSA - just select a total amount (up to $3,200) for you and your dependents. Dependent Care FSAs are for childcare expenses, such as daycare and babysitting, and those funds are available as they’re deducted.
  8. What kinds of things can I use my Healthcare FSA for? Some of the many things you can use your Healthcare FSA for include: acupuncture, braces, breast pumps, lactation supplies, covering your coinsurance, covering your copay, eye exams, eyeglasses, eye surgery, lab fees, orthotics, speech therapy, vaccines, wheelchairs, and more.