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Your   Benefits
 

Welcome to the Weyerhaeuser Flexible Spending Account (FSA) Benefits website. Your Weyerhaeuser-sponsored FSAs are an easy and convenient way for you and your family to save BIG on out-of-pocket health and dependent care expenses. The accounts are administered by WageWorks.

Here, you'll find everything you need, from a plan overview and introductory video, to tools like savings and contributions calculators.

Remember: You can only enroll in an FSA during Weyerhaeuser’s benefits open enrollment - October 12, 2013 through December 18, 2013.

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If you have questions about the FSAs, call 1.877.WageWorks (877.924.3967) to speak to one of our benefits experts.

Your HC and DC FSA Overview

Use your FSA to save up to 40% on the things you buy every day

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Health Care FSA or Special Purpose FSA = $120 to $2,500
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Dependent Care FSA = $300 to $5,000

We all pay taxes. We all buy things like prescriptions, glasses or contacts - not to mention copays, child care, and braces. And we all like to save money.

A flexible spending account (FSA) lets you save on health and dependent care expenses using pretax dollars. You can spend it any way you like, on a wide range of needs for yourself and your family. And because an FSA administered by WageWorks is so easy to use, there's no hassle, less waiting - and no reason to miss out on enrollment.

*Important: according to the Affordable Care Act that was passed in early 2010 as part of the Healthcare Reform, IRS rules effective January 1, 2011 now require a doctor’s prescription for the reimbursement of Over-the-counter (OTC) drugs and medicines from a Health Care Flexible Spending Account or a Health Savings Account.

 

Enrolling in an HSA?

Remember, if you are eligible for and open the Health Savings Account (HSA) for 2014 and want to enroll in the Special Purpose FSA, the list of eligible expenses is limited until you meet your Medical Plus Plan deductible. It includes nearly all of your dental and vision care, orthodontia, glasses and even laser surgery for vision correction but other expenses such as prescription drug expenses, over the counter items*, and lab and x-ray expenses are not allowed until you meet your Medical Plus Plan deductible. Once the Medical Plus Plan deductible is met, you can use your Special Purpose FSA for the full range of eligible health care expenses.

Not Eligible for or choose not to open an HSA?

If you are not eligible for or choose not to open a Health Savings Account (HSA), you are eligible to enroll in the Health Care FSA. The Health Care FSA helps to reduce your taxable income while saving for anticipated out-of-pocket expenses. It's your money. The program just helps you save it from taxes, so you can spend it on health care for you and your family. It's covered! You probably know you can cover your copays, deductibles, dental and vision care, and prescriptions with your health care FSA. But did you know it's good for hundreds of items* such as bandages and contact lenses solution?

* According to the Affordable Care Act that was passed in early 2010 as part of the Healthcare Reform, IRS rules effective January 1, 2011 require a doctor’s prescription for the reimbursement of Over-the-counter (OTC) drugs and medicines from a Health Savings Account.

Everyday savings

When you enroll in an FSA, you set aside some of your pay before taxes to use on eligible expenses. The more you put in, the more you save on your tax bill - up to thousands of dollars.

Estimate it.

Your FSA works by setting aside a portion of each paycheck before taxes are deducted. When you enroll, you decide just how much to contribute, based on what you estimate you'll need. It's easy with the online calculators and the sample saving scenarios. You see your savings in the form of reduced tax withholding.

Spend it.

You can spend the funds in your FSA whenever you choose during the plan year on a wide range of health and dependent care needs. Schedule automatic payments to your providers for regular needs like child care using Pay My Provider to make direct payments online. Use Pay Me Back to send in traditional claims for quick reimbursement. Or for Premera Blue Cross members, with the Health Care FSA and the Special Purpose FSA (after you meet your Medical Plus Plan deductible) most eligible out-of-pocket medical and prescription drug expenses will be automatically submitted by Premera to WageWorks for processing.

Remember, use it or lose it, if you do not use all the funds in your account each year the balance must be forfeited, as required by law.

Choose what works best for you

You can enroll in one or both FSA accounts:

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Health Care flexible spending account or Special Purpose flexible spending account (available to those enrolled in the Medical Plus Plan and Health Savings Account)
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Dependent Care flexible spending account

Your participation in an FSA program is always voluntary - but you must enroll each year during open enrollment to take advantage of all it has to offer.

Your Benefits. Your Money.

Your Health Care FSA

At the beginning of each plan year, your employer deposits into your account the total amount you chose to contribute to your Health Care FSA or Special Purpose FSA. You then pay your account back throughout the plan year from your pretax contribution taken from each paycheck. Once the money is deposited into your account, it is immediately yours to spend whenever you choose during the plan year, on a wide range of health care needs like those listed in the eligibility list.
 
By using the WageWorks Pay My Provider feature you could conceivably use the entire balance of your FSA without once paying out of your pocket for an eligible health care item or service. Use Pay My Provider to make direct payments online - and even schedule automatic payments for regular appointments like the orthodontist. You can also use Pay Me Back when you do pay out of pocket to send in traditional claims for quick reimbursement.

Streamlined claims. For Premera Blue Cross members, most eligible out-of-pocket medical and prescription drug expenses will be automatically submitted by Premera to WageWorks for processing. (You may opt out of streamlining by logging into your account at www.wageworks.com and following the directions, or by calling WageWorks Customer Service at 1-877-WageWorks (877.924.3967).

Claims will not be automatically submitted to WageWorks for reimbursement in certain circumstances. For example:

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Medical Plus Plan claims when the medical deductible has not been met

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Denied prescription drug claims
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Denied medical claims (some exceptions)
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Medical claims for participants that are considered to be "sensitive" (e.g., mental health, contraceptive management, and maternity)
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Claims for medical plans other than the Comprehensive Medical Plan and Basic Medical Plan such as HMOs
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Medical claims that are identified as having other health insurance − either primary or secondary
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Dental claims
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Claims for domestic partners and all dependents when a domestic partner is covered on the plan
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Claims for participants covered by COBRA

If your eligible claim was not automatically submitted to WageWorks for reimbursement, you will need to complete the Health Care Flexible Spending Account Claim Form (pdf) or the Dependent Care Flexible Spending Account Claim Form (pdf), attach the appropriate documentation and either mail or fax to WageWorks.

Your Dependent Care FSA

Unlike a health care FSA, your Dependent Care FSA is funded incrementally during the plan year from the amount you contribute pretax from each paycheck. Even if your account is not sufficiently funded, you can still submit claims for dependent care whenever you choose throughout the plan year. Reimbursements are paid based on your balance at the time the claim is approved. You can also reduce out of pocket spending by using Pay My Provider to schedule payments directly to your caregivers, for services such as those listed in the Dependent Care Eligibility List.

Tax savings: See for yourself

How much you save depends on how much you spend on health and dependent care, and on your tax situation. For every $100 of eligible expenses, most people will save from $30 to $40 in taxes. Click here to calculate your own savings or here for some real-world examples on how you can save.

Pay for hundreds of expenses — tax-free!

You can use your FSAs to save on hundreds of products and services for you and your family. Eligible expenses are defined by the IRS and your employer.

Typically, your Special Purpose FSA covers:

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Dental care, both preventive and restorative

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Orthodontia, child and adult

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Vision care, including eyeglasses, contact lenses, and saline solution

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Eye surgery, including laser vision correction

Only eligible out-of-pocket vision and dental expenses are covered with the Special Purpose FSA until your Medical Plus Plan deductible is met. After the MPP deductible is met, all the eligible expenses are covered.

Your Dependent Care FSA covers these types of expenses
(for your eligible dependents while you work:)

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Babysitting or au pair services
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Before-and after-school programs
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Day care and nursery schools
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Pre-school programs
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Elder care services

Who's Eligible, What's Eligible

Getting to know your FSA program

First, the rules 

Each year, you can use the funds you set aside in your FSA to pay for hundreds of eligible expenses for yourself and your eligible dependents. But before you pay, make sure you know the rules, who's covered - and what's covered. The IRS regulations are extensive, but the basic rules are clear:

Who's covered?

Yourself, your spouse, and any children or other individuals you can claim as dependents on your tax return.

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Proof of expense. To validate an eligible expense for the IRS, you must be able to provide appropriate third-party proof that you incurred it — such as a provider receipt, invoice, payment contract, or an Explanation of Benefits (EOB) from your health plan. This document must show the name of the qualified individual who received the service or purchase for any expense other than over-the-counter items. A debit card receipt by itself is not sufficient.

What's eligible?

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Expenses for health care: Generally, services and products that are medically necessary to treat a specific condition are considered eligible health care expenses. Cosmetic or non-medical expenses are not eligible.

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Expenses for dependent care: These typically include care provided for your qualifying child (under age 13) or other qualifying dependent, while you work or to enable you to work. Your care provider must meet state and local laws and provide his/her Social Security or Tax ID number.

FAQs on Your FSA.*

Are there any fees for the program?

Not to you. The fees for the program are entirely covered by your employer as part of the benefits package you receive. You pay absolutely no fees for your FSA, to WageWorks or your employer.

How does “pretax” savings work?

The money that funds your account comes from your paycheck throughout the year, and is taken out before federal income taxes, FICA (Social Security), and state income taxes (in most states) are calculated. Because you never pay taxes on this money, you can see your savings on your paycheck - in the form of reduced tax withholding.

Do I have to report this on my tax returns?

Not for health care expenses. The IRS does not require any reporting for this type of program. However, if you choose the dependent care FSA option, you will need to identify your provider when you file your tax return - just like you would to take the Dependent Care Tax Credit.

How will I know how much money I have in my account?

You can get up-to-the-minute account information at any time through www.wageworks.com or by calling 877-WageWorks (877-924-3967) Monday through Friday, from 8 a.m. to 8 p.m. Eastern Time.

Is it true that I have to "use it or lose it?"

The IRS requires that any remaining balance be forfeited at the end of the plan year. Plan carefully to minimize the chance of forfeiting any money: be careful of how much you set aside in the first place, and keep an eye on your account balance as the year goes by.

What is the Special Purpose Flexible Spending Account?

The Special Purpose FSA reduces your taxable income while helping you pay for eligible dental, vision and post-deductible medical expenses. The Special Purpose FSA is offered in conjunction with an HSA. Unlike health savings accounts, you must use the money in your FSA by the end of the year or forfeit the balance. Keep in mind though that only eligible vision and dental expenses are covered until after you meet your Medical Plus Plan deductible. After that, the Special Purpose FSA works just like a regular health care FSA.

How much can I contribute to my Special Purpose FSA?

You can contribute from $120 to $2,500 each calendar year, but plan carefully! $2,500 in a Special Purpose FSA is very different than the same amount in a regular health care FSA because of the pre-deductible restrictions on how Special Purpose FSA funds may be spent. Either way, you lose whatever amount in an FSA that you do not spend by the end of the year.

How much can I contribute to my Health Care FSA?

You can contribute from $120 to $2,500 each calendar year, but plan carefully because you lose whatever amount is left in an FSA that you do not spend by the end of the year.

Can I enroll in the HSA and a health care FSA at the same time?

You may elect coverage for both an HSA and a Special Purpose FSA. However, you can only use your Special Purpose FSA to pay for eligible dental and vision expenses until your annual MPP deductible is met. Once it is met, the Special Purpose FSA functions the same as any other health care FSA. This means you will need to estimate your expenses carefully as FSAs are annual accounts and do not roll over from one year to the next as HSA account balances do.


You may not enroll in an HSA and general health care FSA at the same time.

*No part of this document is tax, financial, or legal advice. You should consult your own advisors regarding your personal situation and whether this is the right program for you.