Health Care and Dependent Care Flexible Spending Accounts

Can you explain these accounts and how they are used?

There are two different types of accounts—the health care account (HCA) and the dependent care account (DCA). The HCA allows you to be reimbursed for expenses such as deductibles, copayments, and coinsurance with pre-tax dollars. In some instances you can use your debit card to pay for these expenses up front.

The dependent care account allows you to use pre-tax money to pay for daycare services for children under age 13 or for other qualifying dependents unable to take care of themselves. For more information about whether an expense is eligible, refer to IRS publication 503 (Child and Dependent Care Expenses).

Who administers these accounts?

These accounts are administered by OptumHealthBank, a subsidiary of UnitedHealthcare. You will submit your expenses for reimbursement to OptumHealthBank.

What is the deadline for submitting expenses for reimbursement?

The deadline for submitting expenses for reimbursement is March 31 for expenses incurred in the prior year.

What is auto-rollover?  I received a check from UnitedHealthcare and I'm not sure why!

Auto-rollover, also known as Automatic Payment, is a feature that allows for automatic reimbursement for expenses incurred at a UHC provider or facility when you do not use your Health Care Spending Card.  If you do not want to be automatically reimbursed from your HCA, you can turn off Automatic Payment feature by visiting www.myuhc.com

When can I file for reimbursement from my Health Care Account?

You can file for reimbursement as soon as you incur an eligible expense during the plan year. You can access your full annual pledge amount the 1st of the year when applying for reimbursement. You do not need to wait until all of the money has been contributed throughout the year. The deadline for submitting expenses for reimbursement is March 31 for expenses incurred in the prior year.

Is there a debit card available?

Yes. 

Did health reform regulations change the reimbursement of over-the-counter drugs from the Health Care Account?

Under the new guidelines, expenses incurred for medicine and drugs are eligible for reimbursement only if the medicine:

  • requires a prescription, or
  • is available without a prescription (an over-the-counter medicine or drug) and the individual obtains a prescription from their doctor.

The rule is not applicable to items that are not medicine or drugs, including equipment (i.e., crutches) supplies (i.e., bandages) and diagnostic devices (glucose monitoring kits). These devices will continue to qualify if they otherwise meet the definition of medical care, which includes expenses for the diagnosis, cure, mitigation, treatment or prevention of disease, or for the purpose of affecting any structure or function of the body.

Which claims require paper filing for the Health Care Account?

All dental and vision expenses need to be submitted on the appropriate claim form. Visit www.myuhc.com to access the claim forms.

When can I file for reimbursement from my Dependent Care Account?

You can only use the amount you have contributed to date when seeking reimbursement.  If your expense is larger than your account balance you can wait until your account reaches the desired level through your payroll contributions. This is different than the Health Care Account. The deadline for submitting expenses for reimbursement is March 31 for expenses incurred in the prior year.

How does auto-rollover (automatic payment) work?

If you have Automatic Payment turned on, when you visit a UnitedHealthcare (UHC) provider or facility and incur an expense that you do not pay for with your Health Care Spending Card, you will be automatically reimbursed by UHC from your Health Care Account (HCA).

For example, Doug visits his primary care physician because he is suffering from flu-like symptoms. Doug is a member of the EPO and pays his $20 copay in cash. During his office visit, the doctor orders some tests that cost $500. Doug will be responsible for $50 ($500 x 10% coinsurance = $50). The claim will be processed through UHC’s claims system. Because Doug has an HCA and has Automatic Payment turned on, he will receive two checks from UHC the first check will be for $20 for the copay he paid to the provider, and the second check will be for the $50 Doug will owe his provider when he is billed.

Can I turn the auto-rollover (Automatic Payment) feature on and off?

Yes! The default setting for Lubrizol HCA’s is to have the Automatic Payment feature turned on. If you do not want to be automatically reimbursed from your HCA, you can turn off Automatic Payment by visiting www.myuhc.com. If you later decide to turn the Automatic Payment feature back on, you can visit www.myuhc.com to make this change. You can turn Automatic Payment on or off at any time. Click here to view step-by-step instructions of how to turn Automatic Payment on or off. Hyperlink to job aid on the benefits website.

What if I use my Health Care Spending Card – will I receive double reimbursement?

No, the system will automatically know when you use your Consumer Account Card and when you do not. Only claims incurred at UHC providers that were not paid for by your Health Care Spending Card will be automatically reimbursed.

Does auto-rollover (Automatic Payment) work with prescription claims?

No, you will not be automatically reimbursed for expenses incurred at the pharmacy. If you choose not to use your Health Care Spending Card to pay for your prescriptions, you will have to submit a paper claim to be reimbursed from your HCA. If you use your Health Care Spending Card for your prescription expenses you will not have to substantiate your purchase.

Does Automatic Payment work for dental and vision claims?

No, Automatic Payment will not automatically reimburse you for dental or vision expenses incurred. Automatic Payment is only available for eligible medical claims at a UHC network facility or provider.

How will I be reimbursed?

If you have not set-up direct deposit, UHC will send a check to your home. If you visited www.myuhc.com and completed the direct deposit set-up, your reimbursement will be automatically deposited to your account.

For more information or questions who should I contact?

For questions, contact UHC’s customer service at 1-877-706-1735.