Health spending accounts help you save additional money to pay for out-of-pocket, qualified health, or medical expenses.
Qualified medical expenses include services and products that can be taken out of your paycheck taxes. Some examples of qualified medical expenses include:
Dental and vision services
Lab tests and imaging services
Medical care, including doctor visits
With a health savings accounts (HSA), you can set aside an amount of money that’s deducted tax-free from your paycheck. You can use an HSA debit card to pay for out-of-pocket health expenses. If you change jobs, choose a different health plan, or retire, it’s your money so it goes with you.
You can activate your spending account debit card by calling the number on the sticker on the front of the card or by visiting your spending account dashboard.
Health Reimbursement Accounts (HRA) work similarly to HSAs but are entirely funded by your employer. Use the money in your HRA to pay for out-of-pocket costs, including:
Medical deductibles, copays, and coinsurance
Qualified medical expenses, such as prescriptions and dental and vision care.
A Flexible Spending Account (FSA) can be used to pay for health care expenses for both you and your dependents, even if your dependents aren’t covered by the same health plan. Money contributed to FSAs needs to be used in your current plan year as these funds do not carry over year to year.
If you’re already enrolled in a Health Savings Account (HSA), you may also be eligible to enroll in a Limited Purpose Flexible Spending Account (LPFSA). LPFSAs can be used to help pay for dental and vision services, including dental implants and some eye surgeries.
A dependent care flexible spending account (DCFSA) can be used to care for family members and dependent children under the age of 13 who live in the same household. They can be used to pay for things like:
All references to “Highmark” in this document are references to the Highmark company that is providing the member’s health benefits or health benefit administration and/or to one or more of its affiliated Blue companies.
This website is operated by Highmark, Inc. and is not the Health Insurance Marketplace website. It also does not display all Qualified Health Plans available through the Health Insurance Marketplace website. To see all available Qualified Health Plan options, go to the Health Insurance Marketplace website at HealthCare.gov.
Highmark Blue Cross Blue Shield or Highmark Blue Shield are Medicare Advantage HMO, PPO, and/or Part D plans with a Medicare contract. Enrollment in these plans depends on contract renewal.
®Blue Cross, Blue Shield and the Cross and Shield symbols are registered service marks of the Blue Cross Blue Shield Association, an association of independent Blue Cross and Blue Shield plans. Benefits and/or benefit administration may be provided by or through the following entities, which are independent licensees of the Blue Cross Blue Shield Association: Western and Northeastern PA: Highmark Inc. d/b/a Highmark Blue Cross Blue Shield, Highmark Choice Company, Highmark Health Insurance Company, Highmark Coverage Advantage Inc., Highmark Benefits Group Inc., First Priority Health, First Priority Life or Highmark Senior Health Company. Central and Southeastern PA: Highmark Inc. d/b/a Highmark Blue Shield, Highmark Benefits Group Inc., Highmark Health Insurance Company, Highmark Choice Company or Highmark Senior Health Company.
PA: Your plan may not cover all your health care expenses. Read your plan materials carefully to determine which health care services are covered. For more information, call the number on the back of your member ID card or, if not a member, call 866-459-4418.
Delaware: Highmark BCBSD Inc. d/b/a Highmark Blue Cross Blue Shield.
West Virginia: Highmark West Virginia Inc. d/b/a Highmark Blue Cross Blue Shield, Highmark Health Insurance Company or Highmark Senior Solutions Company. Visit our website to view the Access Plan required by the Health Benefit Plan Network Access and Adequacy Act. You may also request a copy by contacting us at the number on the back of your ID card.
Western NY: Highmark Western and Northeastern New York Inc. d/b/a Highmark Blue Cross Blue Shield.
Northeastern NY: Highmark Western and Northeastern New York Inc. d/b/a Highmark Blue Shield.
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