Flexible Spending Accounts (FSA)

Flexible Spending Accounts (FSAs) reduce your taxable income by allowing you to set aside pre-tax dollars to use toward eligible health care and dependent day care expenses throughout the year. This pre-tax deduction lowers your taxable income, reducing the amount of tax you owe on your bi-weekly paycheck. You do not have to be a member of the BJC medical, dental or vision plan to enroll in an FSA.

BJC offers you two types of FSAs, both administered by Discovery Benefits.

Health Care FSA 

  • Reimbursement of eligible health care expenses for you and your dependents.
  • Elect up to $2,750 for 2021.
  • Qualified expenses include medical, dental, vision, hearing and other health-related costs, such as copayments and deductibles; over-the-counter medications and supplies are eligible.
  • Deadline to submit claims is March 31 of the following year.
  • Carry over $50 to $550 of unused funds to 2021 (funds available mid-April), if you enroll in a Health Care FSA for 2021.

Dependent Care FSA (day care)

  • Reimbursement of eligible day care expenses for children under 13.
  • Reimbursement for eligible care expenses for your disabled spouse or disabled dependent of any age.
  • To be eligible for this account, you must be working. If you are married, your spouse must be working, looking for work, be a full-time student, or be incapable of self-care.
  • Elect up to $5,000 each year (combined household limit).
  • Qualified expenses include before-and-after school programs, nursery or preschool, summer day camp, and adult care.
  • Deadline to submit claims is March 31 of the following year.
  • No carry over; "use it or lose it" rule applies.

Manage your FSA

Manage your FSA on the Discovery website. There you can view a complete list of eligible expenses, check your balance, file claims, request direct deposit and more. Make claim submissions via web, mobile app, fax or U.S. mail.

Discovery FSA Card

The Discovery FSA Card is similar to a debit card since it electronically accesses your Health Care and Dependent Day Care FSA account when used to pay for eligible expenses. It’s a convenient way to pay for health care and dependent day care purchases.

Have questions about FSAs or the Discovery FSA Card? Speak to or live chat with a Discovery representative at 866.451.3399, 6 a.m.-9 p.m. (CST) Monday-Friday or email customer service.

This video walks you through the tax-saving benefits of Health Care and Dependent Day Care FSAs. Learn how to save approximately 20-30 percent in taxes by using pre-tax money you set aside to pay for eligible health care and dependent day care expenses.