Flexible Spending Accounts

Inspira (formerly PayFlex) administers the Health Care FSA, Limited Use FSA, and the Dependent Care FSA.

Yes! Inspira (formerly PayFlex) offers an easy-to-use app to help you manage your Inspira account on the go. With the app, you can access your account anytime, anywhere, giving you the information you need when you need it.

Download it today from your smartphone's app store.

Using a Flexible Spending Account (FSA) is a great way to reduce your taxable income, which helps to lower the taxes you pay at the end of the year.

Many people shy away from contributing to a Flexible Spending Account (FSA) because they are unsure of how much money to contribute. Determining the amount you should contribute can be tricky, and is particularly important, because the money is “use it or lose it”, meaning any unused funds are lost at the end of the year. The best approach, especially in the first years of usage, is to be conservative.

There are three kinds of Flexible Spending Accounts (FSAs)—Health Care, Limited Purpose, and Dependent Care.

• The Health Care FSA is used to reimburse you for eligible medical, dental, and vision care for yourself, your spouse/domestic partner, and your dependent child(ren).
• The Limited Purpose FSA is only available to colleagues who are enrolled in the HSA medical plan. Due to IRS rules, the money set aside in this account can only be used for dental and vision costs. The Health Savings Account (HSA) attached to your HSA medical plan can be used for your medical expenses.
• The Dependent Care FSA is used to reimburse you for day care or day camp for children under the age of 13, care for tax-dependent elders, or other expenses you pay, so you and your spouse/domestic partner can work.

Colleagues who are out on a leave of absence and paying for benefits via direct billing will not have contributions made to their FSA during their leave. Colleagues on a leave of absence who have benefit deductions taken from their paycheck will continue to have pre-tax contributions made to their FSA.

You can learn more about the FSAs in the Benefits eGuide.

Flexible Spending Account (FSA) are "use it or lose it" so if a colleague did not incur services while an active employee, the funds will be forfeited. A colleague has 90 days from their termination date to submit for reimbursement for services incurred while they were an active employee.

A terminated colleague will still have access to the Inspira (formerly PayFlex) member website. Claims are filed through online, by mail, or via fax. Find claim forms on the website or by contacting Inspira Customer Service at 1-844-729-3539.