How to split one medical expense into two FSA claims

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MathIsMyWayr
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How to split one medical expense into two FSA claims

Post by MathIsMyWayr » Sat Jan 12, 2019 7:36 pm

We have two FSA accounts. One is a 2018 FSA and the other a 2019 FSA. The 2018 FSA still has a fair amount left and it has a grace period until Mar. 15, 2019. I can claim eligible expenses incurred until Mar. 15, 2019 on the 2018 FSA. If I have a large out of pocket expense such as deductible, I would like to know whether it is possible and how to claim the 2018 FSA to the maximum and claim the rest on the 2019 FSA.

livesoft
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Re: How to split one medical expense into two FSA claims

Post by livesoft » Sat Jan 12, 2019 7:44 pm

I'd simply call up the FSA admin and ask your question.
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Big Dog
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Re: How to split one medical expense into two FSA claims

Post by Big Dog » Sat Jan 12, 2019 7:58 pm

Generally, you cannot split a single claim over two FSA years. Unlike HSA's, da' rules for FSA means that the claim must be filed against the year in which the claim was incurred. In other words, your 2018 deductible amount can be claimed against the 2018 FSA, but your 2019 deductible cannot be claimed against 2018.
See page 16.

https://www.irs.gov/pub/irs-pdf/p969.pdf


However, there is a special carryover rule, which your employer may or may not allow so yes, call HR or your FSA admin.

Topic Author
MathIsMyWayr
Posts: 889
Joined: Mon Mar 27, 2017 10:47 pm
Location: CA

Re: How to split one medical expense into two FSA claims

Post by MathIsMyWayr » Sat Jan 12, 2019 8:47 pm

Big Dog wrote:
Sat Jan 12, 2019 7:58 pm
Generally, you cannot split a single claim over two FSA years. Unlike HSA's, da' rules for FSA means that the claim must be filed against the year in which the claim was incurred. In other words, your 2018 deductible amount can be claimed against the 2018 FSA, but your 2019 deductible cannot be claimed against 2018.
See page 16.

https://www.irs.gov/pub/irs-pdf/p969.pdf


However, there is a special carryover rule, which your employer may or may not allow so yes, call HR or your FSA admin.
The FSA has a grace period. According to the official document, the coverage begins on 1/01/2018 and ends on 3/15/2019.
I will definitely ask the FSA plan administrator. In my experience, they (on the front line) usually do not answer this kind of questions directly, but try to find a document related to the query and relay to me. I suspect that is the way they were trained - don't give your "opinion", but just read what you can find in the rule book.

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