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Flexible Spending Accounts

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Anthem Blue Cross and Blue Shield offers automated support for flexible spending accounts (FSAs), making this popular option straightforward and manageable for you and your employees. Our FSA programs include comprehensive administrative services, from claims processing to employee statements and management reports. 
 
Why You Should Offer an FSA to Your Employees
Offering an Anthem-administered FSA with your Anthem health care benefits plan is a simple way for you to provide your employees with an easy-to-use money-saving benefit. Additionally:  
FSAs allow employees to be reimbursed for certain eligible health care and/or dependent care expenses with pre-tax dollars as a component of a comprehensive flexible benefits plan or an enhancement to a traditional benefits program.
An FSA enables employees to take advantage of federal laws that allow them to pay eligible health care and/or dependent care expenses with pre-tax dollars—that is, dollars not subject to Social Security, federal income and, in most cases, state income taxes.
Because employees’ taxable income is reduced by their FSA contribution amount, you also avoid paying Social Security (FICA) taxes on the salary reduction amounts, which means FSAs yield significant tax savings for you as well.
FSAs appeal to cost-conscious employees who want to save by using pre-tax funds for eligible expenses.
Employers value FSAs because they can enhance their employee benefits package without the expense usually associated with increasing benefits.
 
Features: Anthem Blue Cross and Blue Shield’s FSA Programs
Anthem’s FSA programs feature: 
Integration with our medical claims processing so your employees are automatically reimbursed for eligible out-of-pocket health care expenses processed through our claims system.
Direct interface with your payroll/human resources management system to handle employee deposits.
Meaningful reports for you and your employees.
A team of account administrators who understand the nuances of an FSA and the specifics of your plan.
 
How an FSA Works
Participants agree to deposit part of each paycheck to the FSA on a pre-tax basis. As they incur expenses, they’re reimbursed from the account. Depending on how you choose to structure the program, participants may open a health care spending account, a dependent care spending account or both.  
Participants receive automatic FSA reimbursement for unpaid or uncovered amounts when a “regular” health, pharmacy or dental care claim is submitted to Anthem for processing—a separate FSA claim form isn’t required. Anthem simply processes and automatically reimburses the employee for the qualified amounts from the health care spending account.  
Direct Reimbursement Is Available
Participants may also request direct reimbursement for qualified expenses at any time for claims not processed by Anthem. All FSA reimbursements for health and dependent care expenses are handled by a team dedicated to handling FSA claims only.  
Direct deposit of FSA reimbursements is also available to your employees if you select that option. Knowing that their FSA reimbursements go directly to their bank account can give your employees peace of mind. 
Examples of Eligible FSA Expenses
Many types of expenses are eligible for reimbursement from an employee’s FSA.* Some common examples include:  
Doctor visit copayments
Health care plan deductibles
Prescription drugs and over-the-counter drugs
Braces
Contact lenses and cleaning supplies for them
Smoking cessation programs
Qualified child care expenses
 
Getting Employees Started with an FSA Is Easy
Anthem Blue Cross and Blue Shield FSA programs effectively and efficiently support FSA enrollment with the following: 
An advanced, automated administration system and meaningful management reports
Recording participant elections
Dedicated communications support
Easy-to-understand enrollment kit that includes descriptions, eligibility and participation requirements, a guide to estimating how much to contribute, and an enrollment form with instructions
Participant account statements summarizing periodic and year-to-date activity, and quarterly statements
 
Need More Information?
For more information about our FSA programs, contact your broker, or call Anthem Large Group Sales at 303-831-2077. 
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Anthem Blue Cross and Blue Shield is the trade name of: In Colorado Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc. In Connecticut: Anthem Health Plans, Inc. In Indiana: Anthem Insurance Companies, Inc. In Kentucky: Anthem Health Plans of Kentucky, Inc. In Maine: Anthem Health Plans of Maine, Inc. In Missouri (excluding 30 counties in the Kansas City area): RightCHOICE® Managed Care, Inc. (RIT), Healthy Alliance® Life Insurance Company (HALIC), and HMO Missouri, Inc. RIT and certain affiliates administer non-HMO benefits underwritten by HALIC and HMO benefits underwritten by HMO Missouri, Inc. RIT and certain affiliates only provide administrative services for self-funded plans and do not underwrite benefits. In Nevada: Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc., dba HMO Nevada. In New Hampshire: Anthem Health Plans of New Hampshire, Inc. In Ohio: Community Insurance Com pany. In Virginia: Anthem Health Plans of Virginia, Inc. trades as Anthem Blue Cross and Blue Shield in Virginia, and its service area is all of Virginia except for the City of Fairfax, the Town of Vienna, and the area east of State Route 123. In Wisconsin: Blue Cross Blue Shield of Wisconsin ("BCBSWi"), which underwrites or administers the PPO and indemnity policies; Compcare Health Services Insurance Corporation ("Compcare"), which underwrites or administers the HMO policies; and Compcare and BCBSWi collectively, which underwrite or administer the POS policies. Independent licensees of the Blue Cross and Blue Shield Association. ® ANTHEM is a registered trademark of Anthem Insurance Companies, Inc. The Blue Cross and Blue Shield names and symbols are registered marks of the Blue Cross and Blue Shield Association. Use of the Anthem Web sites constitutes your agreement with our Terms of Use