How It Works

Pre-tax benefits are simple to use. Click each step to learn more.

For health care FSAs, the total amount that you set aside for the year is available to you on the first day of the plan year, regardless of how much you have contributed to your account at that point. This means you don’t have to wait to schedule necessary doctor’s visits or get the medicines you need.

For dependent care FSAs and commuter benefits, you can’t access more funds than you’ve contributed via paycheck deductions. Commuter benefits are typically available at the beginning of each month.

Real Stories. Real Users.


From Connecticut

“My family has used a flexible spending account and a dependent care account for eleven years. We have two children, one with braces and one with a retainer. The cost of orthodontia was more than $7,000 in 2009 alone. Flexible spending accounts have allowed us to save a substantial amount on costs that are not covered by our health insurance company.”

Annual Savings: $1,400

Read more about how real people use their pre-tax benefits.