Ohio Department of Health
Questions about COVID-19?
Visit coronavirus.ohio.gov or call 1-833-4-ASK-ODH for answers.

 

Coronavirus Information

 

Flexible Spending Accounts
Open Enrollment
for Calendar Year 2022
Extended through Nov. 5, 2021

UPDATE: FSA Open Enrollment ended Nov. 5.

HIGHLIGHTS:

  • Optum Financial is the administrator for FSA and Commuter Benefits
  • NEW: A new Ohio Med Narrow Network (Ohio Med NN) medical plan option coming in July 2022
  • Special benefits for those in the Ohio Med HDHP (high deductible health plan) with the Health Savings Account (HSA)
  • Limited Purpose Spending Account (LPSA) allows you to pay for eligible dental and vision expenses not paid by insurance for you, your spouse, and eligible dependents

Save $$ using an FSA

To allow employees more time to enroll, the Flexible Spending Accounts enrollment period has been extended and will be open through 11:59 p.m. Friday, Nov. 5

The State of Ohio offers eligible permanent employees the benefits of FSAs, which are tax-favored accounts governed by the Internal Revenue Service. FSAs are voluntary accounts established under IRS Code Sections 125 and 129, which allow participants to set aside funds to pay for eligible expenses on a pre-tax basis. Participants save on federal, state, and some local taxes. The State pays the monthly administration fee.

FSA OPTIONS

Why your FSA choice matters
The FSA plan you select for the next calendar year (Jan. 1–Dec. 31, 2022) is affected by the medical plan you are in this benefit year (through June 30, 2022) and the medical plan you choose to be in next benefit year (July 1, 2022–June 30, 2023).

FSA benefits for any medical plan option with the exception of a high deductible health plan
Health Care Spending Account (HCSA)

  • Pay for medical, dental, and vision expenses not paid by insurance for you, your spouse, and eligible dependents
  • Carry over a minimum of $50 and a maximum of $500 of your remaining year-end HCSA balance to the next plan year

Dependent Care Spending Account (DCSA)

  • Pay for eligible dependent care expenses while you are at work, such as:
    • Child or adult daycare
    • Before/after-school care
    • Summer day camp
  • A carryover is not permitted for the DCSA

FSA benefit for high deductible health plan options only (such as the Ohio Med HDHP)
Limited Purpose Spending Account (LPSA)

  • Pay for eligible dental and vision expenses not paid by insurance for you, your spouse, and eligible dependents
  • Through the high deductible health plan (HDHP) and your health savings account (HSA), you can maximize your savings
  • Those currently enrolled in, or who are considering enrolling in, an HDHP next spring, can enroll in a Limited Purpose Spending Account and are not eligible to enroll in a traditional Health Care Spending Account
  • IMPORTANT: If you or your spouse enroll in a Health Care Spending Account for calendar year 2022, neither you nor your spouse are eligible to enroll in the Ohio Med HDHP with an HSA

MEDICAL PLAN OPTIONS

Why your medical plan option decision matters
With the addition of the new Ohio Med NN (narrow network) medical plan option, which will begin available for the 2023 benefit year (July 1, 2022–June 30, 2023), the State of Ohio will offer three medical plan options. Your FSA decision is directly related to the FSA plan that fits your needs. To help you compare your options, the chart below compares the State’s medical plan options, including the new Ohio Med NN.

Ohio Med PPO
Preferred Provider Organization

NEW: Ohio Med NN
Narrow Network

Ohio Med HDHP
High Deductible Health Plan

  • Has a higher employee contribution, but a lower deductible; members must pay the full amount until the deductible is met
  • Copay amounts are set for medical services such as a visit to the doctor or hospital, and prescriptions
  • Prescription costs are not combined with medical to meet your out-of-pocket maximum
  • There is a separate $3,500 single or $7,000 family out-of-pocket maximum that must be met before prescription costs may be paid at 100%
  • Each person covered in a family plan must meet the individual deductible or the combined family deductible, whichever occurs first, before the plan begins to pay
  • Covered services will be the same as the PPO
  • Network-level copays, coinsurance, deductibles, and out-of-pocket amounts will also be the same as the Ohio Med PPO
  • The Ohio Med NN (narrow network) has a smaller network of primary care providers, specialists, and hospitals that are committed to providing a higher quality of care with improved care coordination at a more affordable price
  • There is no out-of-network benefit (except for emergencies)
  • The narrow network will have a lower employee contribution amount than the Ohio Med PPO (rates will be available prior to health benefits Open Enrollment in the spring of 2022)

 

  • The high deductible health plan (HDHP) includes a Health Savings Account (HSA) with a State contribution to your account
  • Has a lower employee contribution, but a higher deductible; members must pay the full amount until the deductible is met
  • Initial expenses can be paid by you using the HSA, or you could be reimbursed after a claim has been submitted
  • Neither you nor your spouse can currently be enrolled in or have a carryover balance from the previous calendar year in any Flexible Spending Account – Health Care Spending Account
  • You can enroll in a Limited Purpose Spending Account
  • Prescription costs are combined with medical to meet your out-of-pocket maximum
  • If you are in a family plan, the plan will begin to pay only after the entire family deductible has been met


To help determine whether your primary care provider, specialist, or hospital system will be included in the new narrow network option, visit the websites below for your State medical insurance administrator:

  1. Click the Guests tile
  2. From the dropdown questions, select:
  • Medical
  • Ohio
  • Medical (Employer-sponsored)
  • Blue Connection (BLUEHPN)
  1. Click Find a Provider in the top menu
  2. Click the OhioMed Narrow Network link
  3. Click the Medical tile
  4. Enter Your Location, and click the Next button
  5. Choose the type of provider you are looking for

For details about FSAs, visit: das.ohio.gov/FlexibleSpendingAccounts.

Optum Financial is managing Flexible Spending Accounts 
Optum Financial acquired ConnectYourCare earlier this year and is the third-party administrator managing the Flexible Spending Accounts and Commuter Benefits programs. The ConnectYourCare team will continue to serve our enrolled members. 

For questions about FSA Open Enrollment, contact Optum Financial at 844-881-7147 (available 24/7).