Flexible Spending Accounts (FSA)

If you anticipate spending more than $100 on health insurance co-payments or deductibles, or on expenses for dental, vision, or hearing services in the next year, or if you plan to have expenses related to dependent day care, you may be interested in enrolling in one of the University's Flexible Spending Accounts. Flexible Spending Accounts allow you to save money on a pre-tax basis to cover these expenses.

Funds are automatically deducted from your paycheck (on a pre-tax basis) and are held in your individual account by United Healthcare. The maximum annual contribution for the Medical Reimbursement Account is $3,300 for 2025, and the maximum annual contribution for the Dependent Care Account is $5,000 per family. If you are currently enrolled in a flexible spending account, and wish to continue to participate in the next year, you must re-enroll during annual open enrollment. Your participation in this plan is not automatic and you must re-enroll each year you wish to participate.

If you enroll in a Flexible Spending Plan, consider your contributions carefully. The funds you allocate cannot be returned to you if you do not incur the expenses during the next year and you cannot "drop" or "change" this coverage during the year, except under specific circumstances for dependent care accounts.
 
Looking for information on your Benefits? Our benefits site provides easy access to your benefits selections and additional benefits information, including various forms and applications.

Note: If you participate in the HSA plan, you cannot contribute to a Health Care FSA. Instead, you can make tax-free contributions to your HSA. 

 

  • Health Saving Accounts (HSA)

    Active benefit-eligible employees can view their insurance by logging onto the employeebenefits.catholic.edu site using their Cardinal Credentials. This site provides easy access to your benefits selections and additional benefits information, including various forms and applications.

    Please note:  If you are a COBRA or retiree participant, you can access your benefits information by visiting the benefitsolver site.   

  • Making Changes to Your Benefits

    Usually you can make changes to your benefits during the Open Enrollment period, typically held each fall. Changes made during Open Enrollment are effective January first of the next calendar year.

    However, if you have a qualifying event that requires you to make changes to your benefit elections, you can do by visiting employeebenefits.catholic.edu within 30 days of the event.  Once you have logged in, using your Cardinal Credentials, click on your name in the top right corner and then click on "Change My Benefits". Click on "Life Event" and select the applicable reason for the change. This will take you through the process. Once you have made the applicable changes, be sure to approve all of your selections.  Soon after you will receive an email with instructions for uploading documentation. You will need to upload documentation supporting the change as well as verifying the eligibility of all dependents. Documentation can include birth certificates, coverage cancellation with the effective dates from an employer or the insurance company, marriage certificates, joint tax forms listing all dependents, etc. This process must be completed within 30 days of the Qualified Life Event.

    These qualified events include:

    • Adding dependents through marriage, birth, adoption or legal guardianship
    • Removing coverage for dependents due to divorce, legal separation, death or if the dependent loses eligibility status (is eligible to enroll in another medical plan)
    • Enrolling or removing coverage due to a significant change in your (or your spouse’s) health coverage that occurs due to your spouse’s employment