Flexible Spending Accounts

Using a Flexible Spending Account (FSA) is like getting a discount on everyday health and/or dependent care expenses because you’re paying with tax-free money. There are separate FSAs for health care and dependent care.

Available to team members who do NOT enroll in the $3,300 HDHP with HSA

• Contribute up to $3,200 in 2025 through pre-tax payroll deductions to help cover eligible medical, vision, and dental expenses, such as copays, deductibles, orthodontia, prescriptions, etc.
• Choose your contribution amount when you enroll as a new team member or during Open Enrollment. You can only change your contribution amount during the year if your personal situation changes.
• Your annual contribution will be divided into equal deductions from each paycheck. Your entire annual contribution amount is available to you on your benefits effective date.
• Spend your money by using your FSA debit card*, or log in to the Aptia365 FSA website to request reimbursement for payments you’ve made. Be sure to keep your receipts in case of the need to substantiate your purchase.
• Up to $660 of unused money may be carried over to the next year; amounts above $660 will be forfeited, so be sure to estimate your contribution carefully! (Keep in mind that if you leave the company, you will lose any remaining balance unless you elect COBRA. If you have used more than you have contributed for the plan year at the time of your termination, you won’t have the option to elect COBRA.)

*NOTE: You’ll receive only one debit card to use for all of your Mercer Marketplace 365+ supported accounts. You can request additional cards via the Aptia365 FSA website.

Available to team members who ENROLL IN THE $3,300 HDHP with HSA WITH HSA OR THE $3,300 HDHP with HSA HMO HDHP WITH HSA

• Contribute up to $3,200 in 2025 through pre-tax payroll deductions to help cover eligible medical, vision, and dental expenses, such as copays, deductibles, orthodontia, eyeglasses, etc. Because this is designed to work with an HSA, you can only use the account for eligible dental and vision expenses.
• Choose your contribution amount when you enroll as a new team member or during Open Enrollment. You can only change your contribution amount during the year if your personal situation changes.
• Your annual contribution will be divided into equal deductions from each paycheck. Your entire annual contribution amount is available to you on your benefits effective date.
• Spend your money by using your FSA debit card*, or log in to the Aptia365 FSA website to request reimbursement for payments you’ve made. Be sure to keep your receipts in case of the need to substantiate your purchase.
• Up to $660 of unused money may be carried over to the next year; amounts above $660 will be forfeited, so be sure to estimate your contribution carefully! (Keep in mind that if you leave the company, you will lose any remaining balance unless you elect COBRA. If you have used more than you have contributed for the plan year at the time of your termination, you won’t have the option to elect COBRA.)

*NOTE: You’ll receive only one debit card to use for all of your Mercer Marketplace 365+ supported accounts. You can request additional cards via the Aptia365 FSA website.

Available to all team members

• Contribute up to $5,000 annually through pre-tax payroll deductions to help cover your eligible dependent care expenses, including child and elder care while you are at work, such as day care, nursery school, elder care, etc.
• Log in to the Aptia365 FSA website to request reimbursement for payments you’ve made.
• Choose your contribution amount when you enroll as a new team member or during Open Enrollment. You can only change your contribution amount during the year if your personal situation changes.
• Your annual contribution will be divided into equal deductions from each paycheck. You only have access to money that has actually been deposited into your account.
• Unused money does not carry over at the end of each year — use it or lose it. Be sure to estimate your contribution carefully!

Keep in mind: You must actively re-enroll in FSAs each year. You are not automatically re-enrolled.

	Health Care FSA	Limited Purpose Health Care FSA	Dependent Care FSA
Available with …	$1,500 PPO Plan $2,000 PPO Plan $1,500 PPO Plan with Hospital Choice Cost Share (in MA and NH) $2,000 PPO Plan with Hospital Choice Cost Share (in MA and NH) Kaiser HMOs (in CA) (Also available if you waive medical coverage)	$3,300 HDHP with HSA $3,300 HMO HDHP with HSA	Any medical plan (Also available if you waive medical coverage)
Access your entire annual contribution amount at the beginning of the plan year	Yes	Yes	No
Access only funds that have been deposited	No	No	Yes
Use the money for …	All eligible health care expenses, such as copays, deductibles, coinsurance, prescription glasses, and orthodontia	All eligible dental and vision expenses, such as copays, deductibles, coinsurance, prescription glasses, and orthodontia	Eligible dependent care expenses, including child care for children up to age 13 and care for dependent elders
“Use it or lose it” at year-end	Carry over up to $660	Carry over up to $660	Yes

If you need to submit a claim for FSA-eligible purchases you made without using your FSA debit card, simply follow these easy steps. You can submit a claim online or via fax or mail.

File a claim online:
Log in to your account through the Aptia365 FSA website to file your claim electronically and upload your documentation.

File a claim via fax or mail:
Complete the Out-of-Pocket Reimbursement Request Form. Follow the instructions carefully. Claim details may be entered online, and then the completed form may be printed and faxed or mailed with the necessary documentation.

Fax: 1-855-717-6571
US Mail: FSA CLAIMS ADMINISTRATOR, PO Box 6161, Fargo, ND 58108-6161

You may check the status of your claim by logging in to your account on the Aptia365 FSA website.

The FSA Store helps you take full advantage of your tax-free FSA money. Simply shop the online store for items you might need — everything is guaranteed to be FSA-eligible or your money back — then pay using your FSA card. You’ll also receive an extra discount the first time you shop there. And, you can earn points toward future savings.

In addition to offering the largest selection of FSA-eligible items, the FSA Store offers a list of eligible items, an FSA calculator, and additional educational resources and tools.

FSAs are a great way to save money on out-of-pocket medical expenses. By using pre-tax dollars, individuals can save an average of 30% on eligible medical, pharmaceutical, dental, and eye care costs! The exact amount you can save depends on your income tax rate.

Because of this significant savings opportunity, deciding to participate in an FSA is easy. But it can be harder to decide how much money to contribute. Remember: Up to $660 of unused money may be carried over to the next year; amounts above $660 will be forfeited, so it’s important to estimate your contribution carefully!

The FSA calculator can help! This handy online tool will help you estimate how much you can save in reduced income taxes with an FSA.

Be assured that the information you provide will be kept confidential and not shared with any third party.

Start estimating!
Try out the FSA calculator today.