Flexible Spending Accounts

Flexible Spending Accounts (FSAs), managed through Cigna, allow you to set aside pre-tax dollars from your paycheck to use toward eligible expenses.

Medical Plan Enrollment

You must be enrolled in the $1,000 Deductible plan or in an eligible, non-Equifax medical plan.

Eligible Expenses

Healthcare expenses, such as doctor visit copays, deductible expenses, and pharmacy, dental, and vision care needs.

See the full list of IRS-approved expenses.

Availability of Funds

Your entire Health Care FSA election is available to you on the date your coverage begins, even if you haven’t saved the full amount.

Payments & Reimbursements

In-network medical and dental expenses are paid automatically from your account. For other eligible expenses, you must submit a claim form to request reimbursement.

If you would like to opt out of automatic claims payment and manually submit your expenses, log on to the Cigna website at mycigna.com and print out a pre-populated form or contact Cigna directly at 800-244-6224.

Contribution Limit

You can elect to contribute up to $3,050 in 2023 to your Health Care FSA.

Use It or Lose It!

Unused Health Care FSA funds do not roll over from one plan year to the next. Any unused amount will be forfeited.

You have until December 31 to spend the money in your FSA and until March 31 of the following year to submit your claims.

Medical Plan Enrollment

You must be enrolled in the $2,000, $3,000 or $4,000 Deductible plan.

Eligible Expenses

You can only use the Limited Purpose FSA to pay for eligible:

Dental expenses, including orthodontia, coinsurance, and copays
Vision expenses, including LASIK surgery, glasses or contacts, coinsurance and copays
Medical and prescription drug expenses, but only after you’ve met your annual deductible

Availability of Funds

Your entire election is available to you on the date your coverage begins, even if you haven’t saved the full amount.

Payments & Reimbursements

In-network medical and dental expenses are paid automatically from your account. For other eligible expenses, you must submit a claim form to request reimbursement.

If you would like to opt out of automatic claims payment and manually submit your expenses, log on to the Cigna website at mycigna.com and print out a pre-populated form or contact Cigna directly at 800-244-6224.

Contribution Limit

You can elect to contribute up to $3,050 in 2023 to your Limited Purpose FSA.

Use It or Lose It!

Unused Health Care FSA funds do not roll over from one plan year to the next. Any unused amount will be forfeited.

You have until December 31 to spend the money in your FSA and until March 31 of the following year to submit your claims.

Medical Plan Enrollment

This FSA is not used for healthcare expenses. You can use a Dependent Care FSA regardless of whether you’re enrolled in a medical plan or what medical plan you’re enrolled in.

Eligible Expenses

Eligible expenses for childcare for a dependent child under age 13, or to care for your spouse or relative who is physically or mentally incapable of taking care of themselves.

Availability of Funds

Dependent Care FSA funds are available only as payroll deductions occur, and funds are deposited into your account.

Payments & Reimbursements

After paying for an eligible expense, you can submit an expense claim form to be reimbursed from your account.

Contribution Limit

You can elect to contribute up to $5,000 annually to your Dependent Care FSA if you are married and filing a joint return or if you are a single parent; $2,500 per year if you are married and filing separately.

Use It or Lose It!

Dependent Care FSA funds do not roll over from one plan year to the next. Any unused amount will be forfeited.

You have until December 31 to spend the money in your FSA and until March 31 of the following year to submit your claims.

Contact Information

Call 800-244-6224 to speak with a Cigna representative.

Eligible and Ineligible Expenses