Flexible Spending Account (FSA)

St. Johns County offers a medical reimbursement flexible spending account administered by AmeriFlex.

Have an FSA, Daycare and/or HRA?
For employees who have a flexible savings account (Medical FSA, Dependent Daycare and/or HRA) Ameriflex has a new website www.myameriflex.com. To view account information including transactions, available balance, submit manual claims, and more, log into the new MyAmeriflex portal.

What is a Medical Reimbursement FSA?
A Medical Reimbursement Account FSA (Medical FSA) is used to pay for certain types of out-of-pocket medical expenses not covered under an insurance plan such as:

  1. Co-pays
  2. Calendar Year Deductibles (CYD)
  3. Dental and vision expenses
  4. Prescription drugs
  5. Some over-the-counter (OTC) items (a detailed list can be found on www.myameriflex.com)

How does a FSA save me money?
Federal, State, and FICA taxes are not taken out on the amount you contribute to your Medical FSA and/or Dependent Day Care Account.

How much can I contribute?
For Medical FSA’s, the maximum annual contribution allowed is $2,550. If your spouse also works for St. Johns County, you may both contribute to the FSA, up to the $2,550 annual limit.

How much should I contribute?
Everyone is different, so it’s important to know how much you anticipate spending on eligible expenses before you set your contribution amount.

Is the full election amount for my Medical FSA available for use on January 1st?
The entire annual election amount in your Medical FSA is available at the beginning of the plan year (Jan. 1), so you can use your FSA card or submit a claim before the regular contribution is withheld from your paycheck.

Will my current year’s FSA election automatically continue into the next plan year?
No. You must re-enroll during Annual Open Enrollment to participate. If you fail to complete your annual election for benefits during Annual Open Enrollment, your FSA will not be renewed for the next plan year.

Do I need to keep my receipts?
It is very important to keep all receipts for FSA expenses. You may receive a substantiation request from AmeriFlex either via email or postal mail. AmeriFlex is tightening their compliance to make sure all groups are fully substantiating based on the regulations already in place by the Affordable Care Act (ACA) law from 2009.

If I elect to continue participating in the FSAs, will I receive a new Ameriflex Convenience Card?
If you elect to participate in the FSAs for the next plan year, you will only receive a new debit card if your current card has expired or if you are a new FSA plan participant. If you participated in the FSA within the last few years and your card has not expired, your current debit card will be reloaded with your new annual election. If you enroll in more than one FSA account, the same card will be used for all accounts.

What is the "use-it or lose-it" rule?
Per IRS regulation, any funds left in your FSA at the end of the year are forfeited - this is frequently referred to as the "use-it or lose-it" rule. However, you are allowed to roll over up to $250 of available funds to use in the following year. Rollover funds are used after the current year funds have been exhausted. Any prior year funds in excess of the rollover amount not used by December 31st will be forfeited.

Dependent Care Account (DCA)

A Dependent Care Account (DCA) reimburses you for eligible expenses, such as daycare, that you pay for the care of a qualified dependent. The DCA is administered by AmeriFlex.

What is a Dependent Care Account (DCA)?
A Dependent Care Account can be used to pay for the daily care of an eligible child or adult dependent, but not for health care expenses. Sometimes referred to as a Dependent Care Assistance Program, or DCA, this type of flexible spending account allows you to use the funds in your account to pay for things like:

  1. Daycare for children under the age of 13
  2. Before and after school programs
  3. Babysitting in your home by someone who is not your dependent
  4. Care for a dependent adult (eldercare)
  5. Nanny, nursery school, or pre-school expenses
  6. Summer day camp

How much can I contribute?
For Dependent Care FSAs, the maximum contributions are:

  1. $5,000 for a married couple, filing jointly
  2. $5,000 for a single parent
  3. $2,500 for a married person, filing separately

How much should I contribute?
Everyone is different, so it’s important to know how much you anticipate spending on eligible expenses before you set your contribution amount.

Is the full election amount for my Dependent Care Account (DCA) available for use on January 1st?
No, you can only be reimbursed for dependent care expenses up to the current balance available in your DCA. Unlike Medical FSAs, only the amount you have contributed to the account, minus any claims paid, is available at any given time for reimbursement. The entire annual election amount is not available for reimbursement at the beginning of the plan year.

What is the "use-it or lose-it" rule?
Per IRS regulation, any funds left in your DCA at the end of the year are forfeited - this is frequently referred to as the "use-it or lose-it" rule. It’s very important to estimate your expenses carefully. Don’t contribute more than you expect to spend during the year.

Benefits & Insurance Contacts