The City of Plano offers two types of accounts:
- Health Care FSA
- Dependent Care FSA
FSAs allow you to put pre-tax funds into an account that you can use to pay for certain eligible expenses you would have normally paid for using after-tax dollars. By using pre-tax dollars, you are lowering your taxable income thus lowering the amount of taxes you pay.
How to File a Claim
- Online – fast, convenient, secure
- Log in to your account online at DBSbenefits.com
- Select the benefit plan type (Health Care FSA or Dependent Care FSA)
- Select “Claims” > “Claims View/Submit” > “Submit”
- Complete the required information
- Attach an image with supporting documentation (.pdf or .jpg)
- Click “Submit”
- Mobile App – use your smartphone or tablet
- Open your DBS Benefits App
- Login with username and password
- Click “File a Claim”
- Take a picture or use existing photo, click “Attach Image”
- Select the benefit plan type
- Enter the dollar amount, answer questions, click “Submit”
- Fax or Mail
- Download a claim form at plano.gov/benefits
- Complete the form and attach copies of your documentation
- Mail to:
Diversified Benefit Services
P.O. Box 260
Hartland, WI 53029
• Or fax to: 262-367-5938
For assistance, please call DBS at (800) 234-1229 or visit DBSbenefits.com | PIN: City of Plano
Important FSA Considerations
- Complete your Direct Deposit authorization now, so it is ready when you need it.
- When using your debit card to pay for dental and vision expenses, the IRS requires you to substantiate those purchases. Remember to ask your provider for a detailed and itemized receipt.
- Take a picture of your itemized receipt and upload it through the DBS mobile app for easy claim substantiation.
- DBS will notify you if you are required to provide an itemized receipt for substantiation. If you fail to provide it timely, your debit card may become suspended until the substantiation has been provided.
- Remember, your debit card will only work at merchants with designated merchant category codes. The card will not work at a gas station, hair salon, sporting goods store, etc.
Important note about your FSA: The Health Care FSA and Dependent Care FSA are two separate accounts. You cannot use funds from one account to pay for expenses of the other. You also cannot transfer funds between the two accounts.
Diversified Benefit Services Customer Service: (800) 234-1229 Website: DBSbenefits.com| PIN: City of Plano
Health Care FSA vs. Dependent Care FSA
| Health Care FSA | Dependent Care FSA | |
|---|---|---|
| How Does It Work? | You choose an annual amount to be deducted on a pre-tax basis from each of your 24 paychecks in equal installments & deposited into your FSA throughout the year. The full amount of your annual election will be available for immediate use. | You choose an annual amount to be deducted on a pre-tax basis from each of your 24 paychecks in equal installments & deposited into your FSA throughout the year. Only the amount you have contributed through payroll deductions will be available for use. |
| Minimum Annual Election | $100 | $100 |
| Maximum Annual Election | $3,200 per person | $5,000 per household ($2,500 if you're married & file separate tax returns) |
| FSA Carry Over | You will be eligible to rollover up to $640 of your 2023 unused Health Care FSA funds into your 2024 Health Care FSA as long as you re-enroll during annual open enrollment. You have one year to use rollover funds or they will be forfeited. | Any unused funds on December 31, 2023 will be forfeited per IRS rules. You have until March 31, 2024 to submit claims & receipts for the 2023 plan year. |
| What are Eligible Expenses? | Health care expenses not covered by insurance & approved by the IRS, incurred by you or your tax dependents (even if they are not covered by the City's plans). *Review eligible expense lists by visiting: dbsbenefits.com/participant-resources/flexiblespending- accounts-fsa/ | Dependent care expenses incurred for your tax dependent while you & your spouse work or attend school full-time. |
| Examples: * Deductibles, copays, & coinsurance * Non-cosmetic dental work (itemized receipt) * Orthodontic services (detailed care plan) * Eyeglasses/Contact Lenses (itemized receipt) * Some over-the-counter items (menstrual care products, pain relievers, antacids, bandages, cold/flu medications, digestive aids, nasal sprays, sunscreen 15+ SPF, etc) | Examples: * Licensed child day care for children under age 13, including preschool tuition & registration fees * Adult dependent day care for a tax dependent * Before/after school care & summer camps * Work-related babysitting (by someone who is not your tax dependent) * Care for a disabled child that is a tax dependent |
|
| What are Ineligible Expenses? | Examples: * Cosmetic surgery/procedures, teeth whitening * Family/Marital counseling * Over-the-counter Vitamins/Supplements * Personal items (toothpaste, shaving cream, etc) | Examples: * Care for a child age 13 or older * Care for a child/adult who is not your tax dependent * Babysitting while you are not working * Care provided by a non-licensed day care |
| How Do I Use the Funds? | 1. Debit Card 2. Pay cash, submit a claim, & reimburse yourself | You will have to pay up front for your day care expense then submit a claim & receipt to DBS for reimbursement. |
| How Do I Get Reimbursed? | Mandatory Direct Deposit | Mandatory Direct Deposit |