45 FINANCIAL WELLNESS Dependent Care Spending Account The dependent care spending account (DCSA) is a taxeffective way to pay child care or other dependent care services to enable: • you, your spouse, or registered domestic partner to work outside the home (this is also true if your spouse or registered domestic partner is actively looking for work); • you to work outside the home and your spouse or registered domestic partner is a full-time student at least five months of the year; • you to work outside the home and your spouse or registered domestic partner is incapable of self-care. You must enroll each plan year, as contribution amounts are not carried forward from one plan year to the next. You can set aside from $120 to $7,500 each year on a pre-tax basis to cover the cost of dependent care expenses. The amount you contribute to this account cannot be greater than your income or your spouse or registered domestic partner's income, whichever is less. If your spouse or registered domestic partner contributes to a DCSA through his or her employer, your combined contributions may not exceed $7,500. If you are married and file separate tax returns, you can contribute up to $3,750 per year per household. Special limitation for Highly Compensated Employees: The Plan is required to conduct annual IRS testing to make sure the benefits provided by the Plan do not favor highly compensated employees (HCEs) over non-highly compensated employees (non-HCEs). For purposes of plan year 2026 testing, the IRS defines a highly compensated employee as a worker who receives $160,000 or more in compensation in 2025. When the average contribution rate to the DCSA for non-HCEs is low, the amount HCEs can contribute to a DCSA is limited. For 2026, the maximum HCE contribution is limited to $3,500. To receive reimbursement from your DCSA you will need to file a claim form. You are required to complete the provider's name and address on the claim form. You will be reimbursed for the amount of your claim provided the balance of your account is equal to or more than the amount of your claim and the services have already been provided. If you don’t have enough in your Flex Payment Card and Auto Import of Health Care Claims There are options available to eliminate paying outof-pocket copays and eliminate the need for filing claims. You have the option to use a Flex Payment Card or Auto Import of your health care claims. Flex Payment Card If you enroll in a health care spending account, you can request a Flex Payment Card from Personify Health. The card works similar to a debit card; however, it is limited to qualified expenses at physicians' offices, dental, and vision care offices and some hospitals and other medical care providers. You can also use the card at pharmacies and other multi-use stores that have an IRS-qualified system that allows the use of the card only for eligible items. When you use your card for qualified purchases, the money is instantly deducted from your health care spending account; you must still submit your receipts within 60 days from date of transaction. If your provider does not accept the Flex Payment Card, you can pay your provider directly, and submit a receipt with a claim form for reimbursement. Auto Import for Health Care Claims for EPO Members The Personify Health claims paying system for the EPO plan and vision and dental plans are integrated with the flexible benefits system. This means when a medical, dental, or vision claim is fully or partially unpaid, you can request Personify Health to automatically check your health care spending account, and if the medical, dental, or vision claim is eligible for reimbursement, process it under the account. Once a claim is processed through your health care spending account, you'll be issued a reimbursement. For faster reimbursement of eligible health care expenses, sign up for direct deposit at MyScrippsHealthPlan.com.
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