Health FSA for spouse of employee

I'm not aware of any debit card. What I've seen is that the employee's FSA covers themselves and their spouse. To cover your children you need a dependent FSA. As for using the FSA, just pay your expenses -- such as co-payments for doctors, surguries, and medicines; cost of glasses and contacts not covered by VSP; OTC medicines (which may require a prescription/note from doctor); etc -- out of pocket. Then submit an FSA claim form with receipts to the company that manages your FSA. If anyone has seen it work differently, please write. out of pocket

Some plans issue debit cards to be used to pay for the expenses directly instead of cutting a check for reimbursement. Our plan works that way. They do still require that receipts be submitted, but the reimbursement is "pre-paid" through the use of the debit card.

Again, this is not the way our plan works. There is only a single plan which can be used for any eligible persons. That would include spouse and dependent children.

I would consider it a serious misfeature to have to guess separately how much my kids would need compared to my wife and I. It's already tough enough to make those sorts of guesses and doubling the chances to enter "lose it" territory is just nasty.

Thanks, just wanted to make sure as a Spouse on my wife's plan, that I would be covered. And yes, a debit card does exist for this type of account (at least through my wife's plan, it does), which does away with the requirement to file claims. You just use the debit card. Makes it nice and simple.

Mark

I hope you have to prove these were allowable medical expenses?

Otherwise, I assume that debit card can be used to charge a trip to Vegas?

You have to keep your receipts as backup, should the expenditures be questioned.

Mark