There are two separate FSAs—one for health care and one for dependent care. You can enroll in both.

Health Care FSA—Can be used for eligible out-of-pocket health care expenses (medical, dental, or vision care).

Dependent Care FSA—Covers eligible dependent care expenses so that you (and your spouse, if married) can work or attend school.

Keep in mind that you’ll need to choose your annual contributions for each account separately and you can’t combine funds from one account with the other to pay for eligible expenses.

For 2019, the Health Care FSA minimum is $25, and the maximum election is $2,650.

For the Dependent Care FSA, the minimum is $50 and maximum is $5,000. If both you and your spouse are enrolling in a Dependent Care FSA, the combined amount in both company plans cannot exceed $5,000. Also, your election may be reduced to comply with required annual testing for this plan.

Use the FSA estimator on Your Benefits Resources (YBR) during Annual Enrollment to help you estimate your expenses. Another way to determine your Health Care FSA contribution is to talk to your medical, dental, and vision providers. Each can help you budget your expenses for the upcoming year. Also, if you have recurring medical, dental, or vision expenses, you likely already know how much you’ll need to contribute to cover those expenses.

The same formula can be used for Dependent Care FSA expenses as well. If you know you’ll have expenses that are eligible, talk to your dependent-care providers to determine the contribution that is right for you.

The Health Care FSA allows you to carry over $500 each plan year. Any amount above the $500 will be forfeited if not spent. The Dependent Care FSA does not have this carry-over feature. Any amount left in your Dependent Care FSA at the end of the plan year will be forfeited. Plan your expenses wisely.

You have until April 30, 2020, to submit eligible 2019 claims for reimbursement from any remaining 2019 Health Care or Dependent Care FSA contributions.

No. This is why it’s important to understand what expenses are eligible and to conservatively estimate your anticipated eligible Health Care and Dependent Care FSA expenses for the coming year. During Annual Enrollment, FSA estimators are available on Your Benefits Resources (YBR) to help you in the decision-making process.

Yes. If you don’t enroll during Annual Enrollment, you will not have the opportunity to take advantage of the program unless you experience a qualifying life event during the year.

Your contribution can’t be changed (increased or decreased) during the year unless you experience a qualifying life event (e.g., the birth of a child) and notify Your Benefits Resources (YBR) of the change within 30 days of the event.

The YBR team can answer your questions about qualifying life events and if you can change your contribution election as a result.

Health Care FSA: You may submit eligible expenses incurred by you, your spouse, your children, and any other person who can be claimed as a qualified dependent on your federal income tax return. Domestic partner expenses are not covered.

Dependent Care FSA: You can submit expenses for qualifying dependents, including your children under age 13 and any other person, regardless of age, who is incapable of caring for him or herself and can be claimed as a qualified dependent on your federal income tax return.

For a Health Care FSA, deductibles, coinsurance amounts, copays, and other expenses that are described in IRS Publication 502—Medical and Dental Expenses are considered eligible or a qualified expense. Premiums for health and other insurance aren't eligible expenses.

For a Dependent Care FSA, eligible expenses include a babysitter or nanny to provide care while you’re at work, daycare provider or after-school care, and preschool tuition. Expenses must be incurred for the care of eligible family members as described in IRS Publication 503—Child and Dependent Care Expenses. All expenses must take place within the benefit plan year.

The entire Health Care FSA annual election is available at the beginning of the plan year. Your Health Care FSA balance is reduced by any reimbursements made throughout the year.

The Dependent Care FSA balance accumulates throughout the year. The annual Dependent Care FSA amount is only available as funds are deposited and available in the account.

If you enroll in the Health Care FSA, you’ll receive a debit card* in the mail. You can use this card to pay for eligible expenses anywhere the debit card is accepted.

Or you can pay for covered items and then submit those expenses for reimbursement. In either case, keep your receipts! You’ll need to send your receipts in with your reimbursement request, or you could be asked to verify the purchases made with your debit card.

Debit cards will be mailed in mid-December to participants who choose to enroll in the Health Care FSA for 2020. 

You’ll need to submit your receipts for reimbursement online on the Your Spending Account (YSA) website. You can also quickly request reimbursement on your smartphone through the Reimburse Me mobile app. Eligible claims are typically processed within 3-5 days. You can activate direct deposit with YSA online, which will expedite your reimbursement directly to your bank account.

Under federal tax law, PayPal’s FSA programs must pass certain nondiscrimination tests each year. These tests are designed to ensure that highly compensated employees do not receive disproportionately greater benefits. If necessary, the maximum participant contribution may be reduced mid-year to comply with federal law. If you think you’ll fall into that category, and your spouse also has a Dependent Care FSA available, you might want to consider splitting the maximum between the plans.

The maximum annual contribution (yours and PayPal’s) for 2019 is $3,500 for employee-only coverage and $7,000 if you cover dependents. You can contribute an additional $1,000 if you will be age 55 or older in 2019.

PayPal contributes annually to your HSA. For 2019, PayPal will contribute $500 for individual coverage or $1,000 for family coverage. You may also make your own tax-free contributions to your HSA by having pre-tax deductions taken from your paycheck each pay period. You may also contribute post-tax money to your HSA. However, keep in mind that the total of all contributions to your HSA cannot exceed the maximums defined by the U.S. Treasury and the Internal Revenue Service (IRS).

The easiest way to contribute to your HSA is through pre-tax payroll deductions. Contribution elections for the HSA are processed with Your Benefits Resources (YBR) and sent to PayPal’s payroll system each pay period. Once your HSA is established, PayPal’s contributions, as well as your own contributions, are deposited into your HSA each pay period.

If you contribute too much to your account, IRS rules will require you to pay regular income tax plus a 10% tax penalty on the excess amount you contributed. (Note: Different rules apply if you contributed too much because you left the plan during the year.)

Yes, you can change your HSA contributions at any time—but it’s up to you to make sure you don’t exceed the IRS total contribution limit for the year. To change your contribution amount, log in to YBR and select the Change Your HSA Contribution tile.

If your spouse has an HSA and either of you is covered under the other’s plan, your combined HSA contributions are limited to the annual IRS contribution maximum for family coverage ($7,000 in 2019).

No. You may pay out of pocket and let your HSA balance grow. You can use your HSA funds in the future for other eligible health care expenses.

The HSA dollars you don’t spend are yours to keep and save, year after year. Your HSA can help you pay for future medical expenses. Remember, you have control over your health care dollars. You can use your HSA to pay for eligible medical or prescription expenses, or you can pay for those expenses out of your own pocket as they come up—saving the money in your HSA for future use. 

As your HSA grows year over year, you can pay less out of your pocket for future expenses, since you’ll have more HSA dollars to apply toward your annual deductible.

Any amount you spend from your HSA on a non-qualified expense will be considered part of your taxable income. You will also owe a 10% penalty on that amount (unless you reach age 65, become disabled or die, or roll over your HSA to another HSA), and non-qualified expenses will not apply toward your deductible. For a list of qualified medical expenses, visit the IRS website at irs.gov and type “Publication 502” in the search box.

Yes, you can have both an HSA and a Health Care FSA; however, the FSA will be defined as a “limited-use” FSA, which means that you are only allowed to use it for reimbursement of eligible dental and vision services. You may not have an HSA and a “general-purpose” FSA since they both cover the same types of expenses. 

If you enroll in the UnitedHealthcare CDHP with HSA and you enroll in the Health Care FSA, your Health Care FSA can only be used for eligible dental and vision services (limited use).

You can visit the U.S. Treasury website at treas.gov and type “HSA” in the search box.

Contributions are made to your HSA each pay period, but you must accumulate enough in your account before you can use them to pay for your health care expenses. You can use those dollars to pay for any medical care you’ve received or other eligible health care expenses incurred since the date you established your HSA.

Once you’ve established your HSA with HealthEquity, you’ll receive a debit card that you can use to conveniently pay at the pharmacy, doctor’s office, or elsewhere. You can pay your bills for qualified medical expenses online from your HealthEquity account or pay out of pocket and reimburse yourself online or by withdrawing money with your debit card from any ATM with the Visa® logo.

Although you don’t need to submit receipts when you’re reimbursing yourself with your HSA dollars, you should save your receipts for tax purposes.

You should keep your receipts for services you’ve received. Since you own the HSA, you are responsible for providing documentation to the IRS, if you ever need to, for the expenses charged to your HSA. The money that goes into and out of your HSA—contributions and disbursements—is reported to the IRS each year. It’s important that you review this account with your tax advisor, since it’s like having another banking or savings account.

As a UnitedHealthcare CDHP with HSA member, you can keep track of your HSA activity and balance, as well as get details on all your medical claims at myuhc.com.

Like other bank accounts, your HSA is subject to banking fees. PayPal covers the monthly service charge as long as you’re an active plan participant, but you’re responsible for paying any additional fees for services like accessing cash at ATMs or overdrafts, should you no longer be an active participant in the plan.

No. Once funds have been contributed into the HSA, they may be used at any time in the future for qualified medical expenses.

Yes. You will receive a 1099 form and a 5498 form in the mail near tax time, so you can file your taxes. You will have to complete an 8889 form when you file your taxes. In addition, you need to keep track of your receipts for anything you pay for from your account in the event you need to provide documentation to the IRS to show you used any HSA funds on qualified medical expenses.

Consult a tax advisor to ensure you file your taxes correctly.

• The 34-oz. Pump & Ship: This is a good option if you need to send home a daily supply of milk. 
• The 72-oz. Pump & Ship: This is a good option if you have a stash of extra milk at home and/or you would like to send home more milk, less often.
• The 34-oz. and/or 72-oz. Pump & Totes: The Pump & Totes come with a tote bag to carry your Milk Stork cooler with you. They are a convenient option to support a short trip or to conclude a trip. The Pump & Totes are also a good option for weekend travel.

These options can be ordered in combination to meet your specific breastfeeding and travel needs. 

Each Milk Stork cooler comes with Lansinoh storage bags. The 34-oz. coolers include 6 Lansinoh bags, and the 72-oz. coolers include 12 bags. If you would prefer to use a different brand of breast milk storage bags (other than the ones provided), we recommend Up & Up (Target brand) or NUK bags. Please make sure to pack enough of your preferred bags to support your trip, and take care not to exceed the capacity of the Milk Stork cooler. We do not recommend using Medela or Kiinde bags. Medela bags did not perform well in our testing—developing frequent leaks. Using Kiinde bags will reduce the amount of milk that you will be able to pack in the cooler.

The Pump & Ship options provide at least 72 hours of refrigeration from activation. The Pump & Tote options provide up to 60 hours of refrigeration from activation.

No. Milk Stork coolers are at refrigerated temperature.

Milk Stork Pump & Ships are labeled with FedEx Priority Overnight shipping labels. FedEx operates Monday through Saturday. FedEx does not operate on Sundays and certain holidays. Shipments sent on Saturday will arrive the following Monday.

FedEx Priority Overnight shipments originating from Alaska, Hawaii, and/or rural locations may experience longer transit times.

Occasionally, weather and other unexpected events may cause disruptions to FedEx's Priority Overnight service capabilities and shipping times. Milk Stork cannot control for these disruptions.

• The Milk Stork 34-oz. cooler is 12” x 8” x 5” and holds approximately one day’s supply of breast milk. It weighs 6.4 lbs. at capacity.
• The Milk Stork 72-oz. cooler is 12” x 8” x 8” and holds more than a two-day supply of breast milk (for most moms). It weighs 9.6 lbs. at capacity.

Milk Stork coolers rely on the principle of evaporative cooling, continuously evaporating small quantities of water at low pressure over hours and days of operation. Water flow within the cooler is regulated—responding to ambient temperatures—which protects the cooler’s contents from external temperature fluctuations during shipping.

View the FAQs on the Milk Stork website for more details.

Only UnitedHealthcare plan members have access to the Progyny Fertility Smart Cycle benefit. Health Net, Kaiser, and SelectHealth medical plan members are not eligible.

Yes. To begin treatment, you must contact Progyny at 833-838-5850.

A Smart Cycle can be mixed and matched to provide coverage based on your needs. For example:

• A 37-year-old woman with a history of miscarriage can use ½ a Smart Cycle for a frozen IVF treatment, then ½ a Smart Cycle for each frozen embryo transfer.
• Or a 32-year-old woman can use ½ a Smart Cycle for egg freezing and know that she can use her remaining ½ cycle if she experiences infertility some day in the future.
• A woman requiring IUI can use her Smart Cycle for 4 IUI attempts.

In order to provide the most effective care, you will need to seek services from one of Progyny’s vast network of providers.

No, the Progyny Smart Cycle benefit approach provides comprehensive coverage for all fertility treatments, thereby removing the need for pre-certification. Progyny’s philosophy is to provide doctors the flexibility to provide the most effective treatment, the first time.

You will not receive an insurance card. However, Progyny will provide a confirmation statement when you contact us to initiate your benefit and we authorize your services. Your confirmation statement is your proof of enrollment and will include your Progyny member ID, authorization number and a list of in-network laboratories for diagnostic testing, Preconception Carrier Screening and Preimplantation Genetic Screening (PGS).

Please provide your Progyny confirmation statement.

Once you have met your medical plan deductible through your UnitedHealthcare plan, authorized fertility services will be covered at 90%. You will pay 10% of the cost until you reach your out-of-pocket maximum.

Once your fertility treatment ends, you will receive an Explanation of Benefits (EOB) from UnitedHealthcare outlining your costs. You will also receive an invoice from Progyny for these costs, which will be due upon receipt.

CVS Caremark is your pharmacy vendor. Please contact Progyny at 833-838-5850 for any questions. Note: Out-of-Network fertility medications are not covered.

Please contact Progyny at 833-838-5850 for any questions related to your out-of-pocket costs.

Family Health by Wildflower is available to you and anyone in your family.

Download the Family Health by Wildflower app from the App Store or Google Play. Once you’ve installed the app, you’ll be asked to set up an account using your email address and register with the content code: PayPalFamily.

On the main Home screen, you can tap on your profile photo to be taken to the About You screen. Once on the screen, all fields can be updated and saved by tapping the “Save changes” button. This screen can also be accessed by visiting Settings > Edit My Profile > About Me.

To edit pregnancy information such as due date, visit More Menu > Health View > the pencil next to Pregnancy. Then tap the “Save changes” button.

Wildflower Health employs strict efforts to safeguard the privacy of members’ personal information. As a HIPAA-compliant organization, Wildflower Health secures all personal health information (PHI) on the users’ device and on Wildflower Health computers. All Wildflower Health employees undergo a rigorous privacy and security training program as part of being HIPAA compliant. In the normal course of their work, Wildflower employees cannot access any user PHI.