2025 Benefits Guide

Health, Dental & Vision

Flexible Spending Accounts

Three different types of Flexible Spending Accounts (FSAs) allow you to pay for expenses not covered by other medical, dental or vision coverage.

MEDICAL FLEX

Plan Highlights

  • You don't need to be enrolled in a Carle Health insurance plan to have a Medical Flex account.
  • Used to pay for expenses not covered by health, dental or vision plans — deductibles, coinsurance/co-pays, glasses/contacts, braces and eligible over-the-counter items.
  • Contribute up to the IRS limit each year to your account. 
  • 100 percent of the fund amount you've chosen is immediately available to use — even if you haven't made all the contributions — though you'll still have to submit receipts.
  • Use a Flex Card (like a debit card) to immediately pay for expenses or submit a manual reimbursement.
  • Funds up to the designated IRS limit of $640 with a minimum balance of $50 will carry over year to year. Team members must re-elect the Medical Flex to get the carryover.

This plan may be right for you if:

  • You’re participating in the PPO plan.
  • You’re participating in a HDHP but choose not to participate in a HSA.
  • You can estimate your medical expenses for the year.
  • You like the freedom of having the entire amount available immediately.
  • You have regular monthly costs for prescriptions.
  • You’re comfortable locking in the amount in your account at the beginning of the year. You won't be able to change it unless you have an IRS Qualifying Life Event like marriage, divorce, birth or change in employment status.
Check out the FSA Store to find qualifying purchases to use your FSA dollars on hearing, vision, pain relief and other items to help you feel better or stay healthy.
 

LIMITED FLEX

Plan Highlights

  • Used to pay for dental and vision expenses only.
  • Same contribution limit and reimbursement guidelines as the Medical Flex.
  • Funds up to the designated IRS limit of $640 with a minimum balance of $50 will carry over year to year. Team members must re-elect the Limited Flex to get the carryover.

 This plan may be right for you if:

  • You’re participating in the HDHP and participating in a Health Savings Account (HSA).
  • You expect to incur vision and/or dental expenses.
  • You want to have the committed fund amount available at the beginning of the year.
Check out the FSA Store to find qualifying purchases to use your FSA dollars on hearing, vision, pain relief and other items to help you feel better or stay healthy.
 

DEPENDENT CARE FLEX

Plan Highlights

  • Contribute up to the IRS limit each year to your account. Or you could claim those expenses for the dependent-care credit when you file your tax return — but you can't do both. If your spouse has a similar account, there's one combined household limit.
  • You must first contribute to the account to use any funds. 
  • Funds don't roll over year to year. Expenses must be incurred by December 31 of the plan year — you have until the following March 31 to submit a claim for reimbursement.

 This plan may be right for you if:

  • You have daycare expenses for children under 13 or elderly dependents while you or your spouse work or attend school.

 Good to Know

  • To participate in any of the Flex programs, you must re-enroll each year. Previous year elections won't carry over.