Open Enrollment
Eligibility and Making Changes

Flexible Spending Accounts (FSA)

Flexible Spending Accounts (FSA)

We are excited to share that, beginning September 1, 2025, ThrivePass will become the new plan administrator for our Pre-Tax Benefits. These benefits include the Health Care FSA, Dependent Care FSA, and Limited Purpose FSA.

Flexible Spending Accounts (FSAs) allow you to set aside pre-tax dollars to pay for eligible health and dependent care expenses. Each year, you must elect the annual amount you want to contribute to one or both accounts. Your contributions will be deducted pre-tax from your paycheck which can help reduce your taxable income.

Health Care FSA

The Health Care FSA will reimburse you for eligible health care expenses that you, your spouse, and your children incur during the plan year. When you incur an eligible expense, you can use your ThrivePass FSA debit card and/or submit documentation for reimbursement. The maximum annual contribution for 2025 is $3,300.

Limited Purpose FSA

A Limited Purpose Flexible Spending Account (LPFSA) is a pre-tax benefit used to pay for eligible dental and vision care for participants enrolled in Anthem High Deductible Health Plan (HDHP). The maximum annual contribution for 2025 is $3,300.

Dependent Care FSA

The Dependent Care FSA lets you use pre-tax dollars to pay eligible daycare expenses for children age 12 and under, or elder dependents who are unable to care for themselves. Care can be provided through live-in care, babysitters, or licensed daycare centers. The maximum annual contribution for 2025 is $5,000.

Note: All benefit eligible employees are eligible to participate in the Dependent Care FSA.

Rules to Keep in Mind

FSAs offer significant tax advantages, but are subject to IRS regulations:

  • You must use all of your 2025 FSA funds by the end of the 2.5 month grace period that ends on March 15, 2026. Any remaining funds after the grace period will be forfeited.
  • Once you enroll in the FSA, you can only change your contribution amount if you experience a qualified life event.
  • Each account functions separately. You cannot transfer funds from one FSA to another.

The information we receive for card transactions is limited to the data collected by the MasterCard system. This system does not provide us the patient’s name, the actual service provided/or name of product purchased, or the date the service was provided. These are all required for plan usage.

*Transactions may be ‘auto substantiated’, meaning submission of receipts is not required, if the employer is using our copay matching, claims feeds, recurring expenses, and/or the Inventory Information Approval System (IIAS) options to auto substantiate card swipes for their participants.

For card transactions that require substantiation, we contact the participant in the following way:

Day 1 – The participant swipes the card and substantiation is needed. The card swipe will display in a ‘New’ status in the ‘Transaction History’, within the participant portal, and mobile app.

Day 15 – ThrivePass emails (or mails if no email is on file) a letter to the participant showing all the information about the card swipe and the information needed to substantiate the transaction. The card swipe will display in a ‘Pending’ status in the ‘Transaction History’, within the participant portal, and mobile app.

Day 45 – ThrivePass emails (or mails if no email is on file) a 2nd reminder letter requesting the same information.

Day 75 – ThrivePass emails (or mails if no email is on file) a 3rd reminder letter requesting the same information.

Day 90 – ThrivePass emails an ineligible letter alerting the participant that their card is temporarily suspended. At that time the card swipe moves to an ‘Ineligible’ status and shows as a ‘Balance Due’. The debit card is suspended until the transaction is resolved (per IRS rules).

If, at any time during this process:

  • Substantiation is provided showing full transaction was for eligible services, it will be changed to an ‘Approved’ status, the card will be reactivated, and letters will no longer be sent.
  • Documentation is provided that is not sufficient to approve some or all of the transaction, the card swipe will change to ‘Insufficient Documentation’. The insufficient documentation letter will be sent at this time to inform the participant that action is needed. If sufficient documentation is not provided after 15 days, ThrivePass emails an ineligible letter alerting the participant that their card is temporarily suspended. At that time the card swipe moves to an ‘Ineligible’ status and shows as a ‘Balance Due’. The debit card is suspended until the transaction is resolved (per IRS rules).
  • Documentation is provided showing some or all the transaction is ineligible, the card swipe will immediately change to an ‘Ineligible’ status, the amount will show as a balance due, and the debit card will be suspended until the transaction is The ineligible letter will be sent at this time to inform the participant that action is needed.

How to take care of a transaction that has become a Balance Due:

If the participant does not provide valid documentation or the service/item is ineligible, they have several options for correcting the balance due:

  • They may submit a manual claim for eligible expenses that have not already been reimbursed – we will use that claim to offset the balance due instead of issuing a reimbursement to them. We refer to this as an ‘Offset’ claim.
  • They can ask the provider to credit their card with the amount of the balance
  • They may pay their balance due via the Participant Portal or Mobile App with their banking information. We will post this against the balance due, add that amount back into their available balance, and release the transaction.

They may send a check payable to ThrivePass. We will post the check against the balance due, add that amount back into their available balance, and release the transaction.

FSA Questions?

Phone: 1 (866) 855-2844 (press 1)

Email: support@thrivepass.com

Monday-Thursday: 7:30 am-5:30 pm MT

Friday: 7:30 am-5:00 pm MT

 

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