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Flexible Spending Accounts (FSA) Program 

 

The State of Illinois provides employees with IRS tax-favored Flexible Spending Accounts (FSA) to stretch  medical expense and dependent care dollars. Effective July 1, 2014, ConnectYourCare is the plan administrator for the FSA Program.  WageWorks continues to administer claims for the FY2014 Play Year (July 1, 2013 through June 30, 2014). Flexible Spending Accounts feature:

  • IRS-approved reimbursement of eligible expenses tax-free
  • Per-pay period deposits from your pretax salary
  • Savings on income and Social Security taxes
  • Security of paying anticipated eligible expenses with your FSA

If you spend $240 or more per year on recurring eligible expenses, you may save money by paying for them with an FSA. When you enroll in an FSA, you decide the amount you want deducted from your salary each pay period. That amount will be deducted each pay period prior to income and Social Security taxes being taken, saving you income and Social Security taxes each time you receive wages. Visit the "Account Savings Calculators" at ConnectYourCare to determine your potential savings.

Waiting for an Explanation of Benefits (EOB) to file for MCAP reimbursement?
Find out what you should do by going to the Explanation of Benefits page.
  • The Medical Care Assistance Plan (MCAP) allows members to pay eligible out-of-pocket medical, dental, prescription and vision expenses incurred during the plan year with tax-free dollars. The maximum contribution amount per plan year is $2,500.
  • The Dependent Care Assistance Plan (DCAP) allows members to pay eligible child and/or adult day care expenses incurred during the plan year with tax-free dollars. The maximum contribution amount per plan year is $5,000.

Employees can enroll in MCAP and DCAP anytime during the year upon experiencing a qualifying change in status event that is consistent with enrollment into the program. All employees who enroll in MCAP will receive one ConnectYourCare debit card at no cost (additional cards for dependents can be requested via the ConnectYourCare website). When using the card, expenses are automatically deducted from your MCAP account. Although most transactions paid with the card do not need follow-up documentation, some transactions will require substantiation documentation. Transactions that do require documentation will be indicated on the ConnectYourCare website. Participants must submit the required documentation to ConnectYourCare.

Effective Dates

The first day you are eligible for MCAP or DCAP reimbursement depends on when you enroll in the program.

  • If you enroll during the Benefit Choice Period (held during the month of May), your effective date is July 1st.

  • If you enroll mid-year due to experiencing a qualifying event, your effective date is the first day of the pay period following the date the enrollment form was signed or the date of the qualifying event, whichever is later.

Eligibility Service Dates

  • For the FY2014 plan year, MCAP expenses are eligible when incurred from your effective date (see above) through the last day of the "grace period." The "grace period" is the 2 1/2 month period following the end of the plan year (i.e., September 15th). The "grace period" only applies to MCAP expenses.  FY2014 is the last year that the "grace period" will be applicable.
  • For the FY2015 plan year, there will not be a "grace period".  Instead, FY2015 participants will have the ability to "carryover" up to $500 of unused account balances to the following year.  Participants who have a balance in their MCAP account after the run-out period, September 30th, will have up to $500 of that account balance automatically carried over to the next plan year.  This "carryover" will occur whether or not the participants re-enrolls in MCAP the next plan year.
    • For Example, an MCAP participant enrolls in MCAP for the maximum amount of $2,500 for FY2016.  On October 1, 2015, the balance remaining in their FY2015 MCAP account is $350; therefore, they will have a total of $2,850 in their MCAP account to use during the FY2016 plan year.
    • Note:  Participants who have a balance exceeding $500 after September 30, will forfeit any amount exceeding this limit.  The "carryover" provision applies only to MCAP and does not apply to DCAP accounts.
  • DCAP services are only eligible for reimbursement when those services are provided during the plan year (July 1 through June 30). Services provided after June 30th are not eligible for reimbursement. The "grace period" does NOT apply to DCAP expenses.

Claim Reimbursement

  • MCAP accounts – the entire amount of your annual enrollment election is eligible for reimbursement your first day of eligibility.
  • DCAP accounts – reimbursement is limited to the amount of funds in your account on the day the reimbursement request is received.

FY2014 Claim Reimbursements

Reimbursement of an MCAP or DCAP funds for FY2014 must be requested before the end of the run-out period, September 30, 2014. Participants can request reimbursement of eligible funds by:

  • Entering claim details online, printing the completed form and faxing or mailing with documentation to:
    • Fax: (855) 291-0625
    • US Mail: CLAIMS ADMINISTRATOR, P.O. Box 14326, Lexington, KY 40512

FY2015 Claim Reimbursements

Reimbursement of an MCAP or DCAP funds for FY2015 must be requested before the end of the run-out period each year, which is September 30th.  Participants can request reimbursement of eligible funds by:

  • Entering claim details on the ConnectYourCare claim form and either:
    • Faxing the form to: 866-879-0812, or
    • Mailing the form to: Claims Department, P.O. Box 622337, Orlando, FL 32862-2337

Reimbursement may be direct deposited in your bank account by going to "My Profile" and setting up a bank account at the ConnectYourCare website.

FSA Forms

FSA Publications

FY2014 Key Points

Updated 07/02/14