Open Enrollment 2013: About Flexible Spending Accounts (FSA)

Open Enrollment 2013

FSAs can provide tax-free help for qualified medical expenses

A Flexible Spending Account (FSA) provides another opportunity for you to better control your health care dollars. By tucking away pre-tax dollars from your paycheck, you have an account that’s dedicated for the reimbursement of qualified medical, vision and dental expenses.  

All FSAs offered by the state have a use-it-or-lose-it rule. Money left at the end of the plan year is not rolled over or reimbursed, so plan carefully.

You must re-enroll in a FSA each year. If you decide that a FSA is right for you and your family, it is important to be conservative when allocating the yearly amount.

Three types of FSAs: Medical Care, Limited Purpose and Dependent Care

Medical Care and Limited Purpose FSAs allow employees to use pre-tax dollars to cover health care costs for medical, dental, vision, hearing and other out-of-pocket expenses not paid by insurance.  

For 2013, the maximum annual contribution for the Medical Care and Limited Purpose FSAs is $2,500.

A Limited Purpose FSA may only be used for dental, vision and preventive care expenses until the minimum deductible of a CDHP is met ($1,250 for single and $2,500 for family, per federal regulations). Once the minimum deductible is met, the Limited Purpose FSA can be used as a Medical Care FSA.   

If you are enrolled in a CDHP/HSA, your FSA will automatically become a Limited Purpose FSA. You do not need to meet the minimum deductible to use the funds in your Limited Purpose FSA for dental and vision expenses. You can pay for dental and vision expenses from your Limited Purpose FSA at any point during the year.

Dependent Care FSAs are not front-loaded. A portion of your biweekly pay is put into a pre-tax account to help pay for eligible dependent care costs throughout the year. Currently, the maximum annual contribution amount for the Dependent Care FSA is $5,000 ($2,500 if married and filing separate tax returns).

Dependent care costs include most dependent care expenses for eligible children and adults. Dependent care expenses do not include medical expenses and therefore can be used even if you participate in a HSA.

The state’s FSA program is administered through Key Benefits Administrators. The administrative fee remains at $2 biweekly. 

The Open Enrollment 2013 booklet is ready for viewing

We are excited to announce we now have an online booklet that provides all the information you need about Open Enrollment 2013 in one document! This booklet gives information about the various plans, contains opportunities to improve your health through Anthem programs (at no additional cost to state employees) and lists providers’ contact information.

All you need to know about Open Enrollment is accessible in one click of the mouse. Check it out:


SPD Benefits Hotline

The new rates and more detailed information is available on the web.

Or, contact the Benefits Hotline toll-free at 1-877-248-0007 outside of Indianapolis or 317-232-1167 within the Indianapolis area. Benefit specialists are available from 7:30 a.m. to 5 p.m. Monday through Friday, Eastern Standard Time.

You may also email your questions to


The information included in this email does not apply to conservation officers, excise officers, Indiana State Police plan participants, part-time employees  or contract employees.


No access to Peoplesoft November 10 & 11

Due to the planned technical maintenance on Saturday, November 10 and Sunday, November 11 in Indiana Government Center North, PeopleSoft will be unavailable to all users during that time. Please make plans to complete your Open Enrollment submission before November 10 or after November 11. Open Enrollment runs October 29 to noon EST on November 19.