If you’re enrolled in the Anthem High-Deductible Health Plan (HDHP), a Limited Purpose FSA lets you set aside pre-tax money to pay for eligible dental and vision expenses for you and your eligible tax dependents.

Because this account works alongside your Health Savings Account (HSA), it generally cannot be used for medical expenses.

How much can I contribute?

You can put up to $3,400 into your Limited Purpose FSA each year before taxes are taken out.

Choose your contribution amount carefully. FSA money doesn’t carry over from year to year, so you’ll lose any money you don’t use by the deadline of March 15 of the following year.

You can enroll as a new hire, during Open Enrollment, or if you experience a qualifying life event during the year. Visit the benefits portal to enroll and choose how much you want to contribute.

How does it work?

1. Choose how much to save.
Decide how much you want to put into your FSA for the year, up to $3,400. Your contribution is divided across your remaining paychecks and deducted before taxes.

2. Your full amount is available right away.
You don’t have to wait for the money to build up in your account. If you enroll during Open Enrollment, your full annual FSA amount is available January 1. If you enroll after a qualifying life event, it’s available when your coverage takes effect.

3. Use it for eligible dental and vision expenses.
You can use your FSA in two ways:

• Pay for care and services with your FSA debit card
• Pay out of pocket and get reimbursed by submitting an itemized receipt through your WageWorks account or in the WageWorks app (iOS / Android)

You can also request additional FSA debit cards for your eligible dependents using these instructions.

What can I use my Limited Purpose FSA for?

Eligible expenses may include:

• Dental co-pays and other dental services
• Orthodontia
• Glasses
• Contact lenses and contact lens solution
• Other eligible dental and vision expenses

Check the full list of eligible expenses before making a purchase if you’re unsure whether something qualifies.

Keep your receipts. WageWorks may ask you for a receipt or other proof that your purchase was an eligible health care expense. Some expenses may also require a letter of medical necessity from your doctor. If you have questions about expenses, contact WageWorks at (877) 924-3967.

Plan year and important deadlines

There are two important FSA deadlines to keep in mind: the deadline to make eligible purchases and the deadline to submit claims for reimbursement.

When can I use my FSA funds?

You can use your FSA funds for eligible health care expenses from your FSA effective date through March 15 of the following year.

For example:

• 2025 FSA: Use your funds for eligible expenses from your 2025 effective date through March 15, 2026
• 2026 FSA: Use your funds for eligible expenses from your 2026 effective date through March 15, 2027

March 15: Last day to make eligible purchases

This is the last day to use any remaining FSA funds from the previous year. After March 15, you can no longer use those funds for new expenses.

When do I need to submit my claims?

You have until April 30 of the following year to submit claims and receipts for eligible expenses you made by the March 15 deadline.

• 2025 FSA: Submit claims by April 30, 2026
• 2026 FSA: Submit claims by April 30, 2027

April 30: Last day to submit claims.
This deadline gives you additional time to submit receipts or request reimbursement—it does not give you additional time to make new purchases.

Use it or lose it

FSA money doesn’t carry over from year to year. UMG gives you through March 15 of the following year to use any money remaining from the previous year.

After the deadline, you’ll lose any money you haven’t used, so it’s important to plan your contribution carefully and keep track of your balance throughout the year.

Using your FSA debit card

After you enroll, you’ll receive an FSA debit card in the mail that you can use for eligible dental and vision expenses. You can also request additional cards for your eligible dependents using these instructions.

Don’t throw away your receipts. Even when you pay with your FSA debit card, WageWorks may ask you to provide a receipt or other documentation showing that the purchase was eligible. If WageWorks asks for documentation and you don’t provide it, your debit card may be suspended.

Set up your WageWorks account

After you have enrolled, you will need to register for an account on WageWorks (instruction PDF). It may take up to 1-2 weeks from the time you enroll until your information is updated in the WageWorks system.

If the system does not recognize you when you first try to register, please double check your birthdate and SSN in Workday is correct. The ID code will be the last 4 digits of your SSN.

Questions

Log in to your WageWorks account to check your balance, claims, and other account information.

You can also contact WageWorks for assistance:

• Phone: (877) 924-3967 8:00am-8:00pm EST
• Online: Use the chat feature at the bottom right of your WageWorks account

Limited Purpose FSA Resources

• How LPFSAs Work
• WageWorks Registration Process
• WageWorks Debit Card
• Letter of Medical Necessity
• WageWorks App – EZReceipts
• Request a New Debit Card