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Limited Expense Health Care FSA

U.S. Office of Personnel Management

A Limited Expense Health Care Flexible Spending Account (LEX HCFSA) is a new money saving option for employees enrolled in a Federal Employees Health Benefits (FEHB) Program High Deductible Health Plan (HDHP) with a Health Savings Account (HSA), or whose spouse is enrolled in a non-FEHB HDHP with an HSA. The LEX HCFSA is limited to eligible dental and vision expenses only. Under IRS rules, you are not eligible to contribute to an HSA and be enrolled in a FSAFEDS general purpose HCFSA at the same time. Go to www.opm.gov/hsa if you want to learn more about HDHPs and HSAs.


Expenses Covered


Expenses are limited to dental and vision care services/products that meet the IRS definition of medical care. Eligible expenses include your out-of-pocket costs for such services/products as:

Dental Care: Cleanings, Fillings, Crowns, Orthodontics.

Vision Care: Contact Lenses, Eyeglasses, Refractions, Vision Correction Precedures.

Any eligible dental or vision over-the-counter expenses, such as denture care products, contact lens cleaning and soaking solutions are also covered.

Dental and vision care costs are the only reimbursable expenses covered under the FSAFEDS LEX HCFSA. Cosmetic services – whether dental or vision related – are not eligible expenses. All of the other expenses normally eligible under a “general” health care flexible spending account are NOT eligible under a LEX HCFSA.


Limitations


Similar to HCFSAs, there is no maximum LEX HCFSA allotment specified by law. While the maximum permitted under FSAFEDS is $5,000 per covered employee, you or your spouse may have another FSA available through another employer’s plan or FSAFEDS. Thus, the aggregate LEX HCFSA allotments for a working couple may exceed the $5,000 FSAFEDS maximum per individual employee. Under IRS rules, you are not eligible to contribute to an HSA and be enrolled in a FSAFEDS general purpose HCFSA at the same time.


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