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    • Home Employers Health Savings and Spending Accounts FSAs for Employers and Organizations

    Flexible Spending Accounts (FSAs)

    A cost-effective option to help meet your employees' health care and dependent care needs.

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    Thank you for your interest in Cigna Healthcare. Please provide some basic information about your company and a representative will contact you.

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    What is an FSA?

    An FSA is a spending account that helps stretch employee dollars as well as reduce employees' payroll taxes because dollars allocated to FSAs don't count as income.1 Additional features of an FSA from Cigna HealthcareSM* include the following:

    • Employee-owned account.
    • All health plans are eligible.
    • Pre-determined, pre-tax1 contributions are made by the employee. (Employees can contribute up to the IRS limit each year. Employers can also contribute funds.)
    • Option to offer an HRA in addition to the FSA.
    • Option to allow participants to carry over up to $610 of unused funds at end of plan year.
    • Option to offer two types of debit cards – health care debit card can be used for immediate access to funds.
    • Automatic claim forwarding option to pay health care providers directly from the FSA.

    Types of FSA Plans

    You may offer your employees three types of FSAs:

    Health Care FSA

    Reimburses employees for eligible health care expenses, including prescriptions, vision, and dental expenses.

    Dependent Care FSA

    Reimburses employees for dependent child care expenses as well as care for elderly, disabled, or handicapped family members.

    Limited Purpose FSA

    Reimburses employees for eligible vision and dental expenses if they are also enrolled in a health savings account (HSA)

    Benefits of Cigna Healthcare Spending and Savings Accounts

    • Single customer service phone number

    • Single contact for employer

    • Debit card for immediate access to funds

    • Autopay available on Medical**

    • Streamlined client funding of accounts

    • 24/7 customer service and access on myCigna

    • Submit reimbursement requests online or by app**

    • Flexible funding design**

    • Direct deposit**

    ** HRA and FSA only.

    Features may vary based on employer elections.
    *Offered by Cigna Health and Life Insurance Company or its affiliates

    View Cigna Healthcare Company Names

    1 State and/or local taxes may apply. Contact your tax advisor for details.

    Product availability may vary by location and plan type and is subject to change. All group health insurance policies and health benefit plans contain exclusions and limitations. For costs and details of coverage, contact a Cigna Healthcare representative.

    Cigna Healthcare products and services are provided exclusively by or through operating subsidiaries of The Cigna Group, including Cigna Health and Life Insurance Company (Bloomfield, CT), or its affiliates. In Utah, all products and services are provided by Cigna Health and Life Insurance Company (Bloomfield, CT). Policy forms: OK – HP-APP-1 et al., OR – HP-POL38 02-13, TN – HP-POL43/HC-CER1V1 et al. (CHLIC); GSA-COVER, et al. (CHC-TN).

    © 2023 Cigna Healthcare.

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    Individual and family medical and dental insurance plans are insured by Cigna Health and Life Insurance Company (CHLIC), Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Illinois, Inc., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of South Carolina, Inc., and Cigna HealthCare of Texas, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates (see a listing of the legal entities that insure or administer group HMO, dental HMO, and other products or services in your state). Accidental Injury, Critical Illness, and Hospital Care plans or insurance policies are distributed exclusively by or through operating subsidiaries of The Cigna Group Corporation, are administered by Cigna Health and Life Insurance Company, and are insured by either (i) Cigna Health and Life Insurance Company (Bloomfield, CT). The Cigna Healthcare name, logo, and other Cigna Healthcare marks are owned by The Cigna Group Intellectual Property, Inc.

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