Plan your TexFlex FSA contribution amount

Before you enroll or re-enroll in a TexFlex flexible spending account (FSA), you should:

• Review what you spent during the current plan year. If you are currently enrolled, you can view your claim and transaction history at www.TexFlexERS.com.
• Review the list of eligible expenses and think about how much you’ll spend on health care and/or dependent care during the plan year.
• Decide how much you want to put into a pretax account (up to the IRS limit). Below are the limits for Plan Year 2025.

TexFlex FSA contribution limits

*The health care and limited-purpose FSA contribution limit does not include any unused funds carried over from Plan Year 2024. Remember, you can carry over up to $610 to Plan Year 2025.

**If you and your spouse each have a dependent care account, you are limited to $5,000 between the two of you.

How to make the most of your TexFlex FSA

Review these quick tips to maximize your TexFlex flexible spending account (FSA).

• Visit the TexFlex website to find helpful resources such as the “how to” guides.
• Set up your online account to do things like check your balance, view account activity, set up account notifications and direct deposit and submit claims for reimbursement.
  • Health care and limited-purpose FSA participants – Be sure to have your TexFlex debit card nearby. You’ll need it to set up your online account.
• Download the PayFlex Mobile® app. Once you have an online account, download the app for free. Use the mobile app to scan products to find out if they are eligible expenses.
• Activate your TexFlex debit card for your health care or limited-purpose FSA.
  •  
  • You can order additional cards for dependents through this website. Otherwise, you can call PayFlex at (866) 353-9839 (TTY: 711) to order a card for your dependent. There is no cost to you for additional cards.
• Choose how to use your TexFlex funds. You can use your TexFlex debit card, if available or you can pay with another form of payment and submit your claims on the TexFlex website or PayFlex Mobile® app. You may also mail or fax claims. When you submit claims for reimbursement, your documents must show:
  • merchant/provider name,
  • patient name (if applicable),
  • date of service,
  • description of service and
  • final amount you had to pay.*

*We can’t accept documents that show an “estimated” or “pending” amount from insurance.

• Submit the required documentation when requested. We may ask you to send documents to verify a card purchase is eligible. Your documents must show the information listed above. Be sure to respond immediately to keep your TexFlex debit card active.

Have questions? Log in to www.TexFlexERS.com and visit Help & Support.

REMINDER: Spend your TexFlex FSA dollars

You may have money to spend in your TexFlex flexible spending account (FSA). We don’t want you to lose that money. To check your balance, log into www.TexFlexERS.com or the PayFlex Mobile® app.

Important dates to remember

Keep in mind — if you have a health care or limited-purpose FSA, you can carry over up to $610 to Plan Year 2025. There is a minimum carryover amount of $25 if you do not re-enroll in the new plan year.

If you have a dependent care FSA, unused funds will not carry over. But you do have until November 15, 2025 to spend Plan Year 2025 funds in your dependent care FSA.

How to use your funds

• TexFlex debit card: If you have a health care or limited-purpose FSA, you can use your TexFlex debit card to pay for eligible expenses.
• Pay yourself back: You can pay for eligible expenses with cash, check or a personal credit card. Then, submit a claim to pay yourself back. You can do this at www.TexFlexERS.com or through the PayFlex Mobile® app. You can also download the FSA claim form from the TexFlex website and fax or mail with your supporting documents.
• Pay your provider: You can use the TexFlex website to file a claim and pay your provider directly from your FSA.

Quick tips

• You can view a list of common eligible expenses on the TexFlex website.
• If you’re paying for eligible products, services or care, you must have incurred the cost during the Plan Year 2023.
• Save your detailed receipts, itemized statements and Explanations of Benefits.
• If you’re submitting claims, don’t forget to include supporting documents. Your documents must show:
  • merchant/provider name;
  • patient name (if applicable);
  • date of service;
  • description of service and
  • final amount you had to pay.*

  
  *We can’t accept documents that show an “estimated” or “pending” amount from insurance.

Age requirement for dependent care FSAs

If you have a dependent care FSA, your eligible expenses must be for a dependent that is:

• claimed by you as a federal income tax exemption,
• residing in your household, and
• under age 13, or physically/mentally incapable of self-care.

You can incur eligible expenses for your eligible dependent child through the day before they turn 13. For example, let’s say your dependent turns 13 on March 15, 2025. You could use your dependent care FSA for eligible expenses incurred from September 1, 2024 through March 14, 2025. The last day to file claims for those expenses is December 31, 2025.

How to find out if an expense is eligible

You might be ready to use your TexFlex dollars. First, make sure your expense is eligible. You have some options — you can:

• Visit the planning tools to use the search tool or eligible expense lists
• Use the Eligible Expense Scanner on the PayFlex Mobile® app
• Check out the FSA store® for eligible health care expenses

Get your outdoor essentials — use your health care FSA to pay

Stock up on some of your essentials so you can fully enjoy your time outdoors. Simply use your TexFlex health care flexible spending account (FSA) for items like:

• Allergy medicines
• Aloe for burn relief
• Bandages
• Blister treatment
• Eye drops
• First aid kits
• Hot and cold packs/neck wraps
• Itch relief sticks

• Medicated throat lozenges
• Nasal spray
• Neosporin
• Pain relievers
• Prescription sunglasses
• Sinus relief
• Steam inhalers
• Sunscreen

How to use your funds
If you have a health care FSA, you can use your TexFlex debit card to pay for these eligible items. Or you can pay with cash, check or a personal credit card. Then, submit a claim to pay yourself back. You can do this at www.TexFlexERS.com or through the PayFlex Mobile® app. You can also download a claim from the PayFlex member website and fax or mail it with your supporting documents.

Feminine hygiene products are FSA-eligible

Attention ladies! Did you know feminine hygiene products are FSA-eligible? It’s true! You can use your TexFlex health care FSA to pay for products like:

• menstrual cups/pads/sponges,
• over-the-counter pain relievers,
• panty liners,
• period underwear and
• tampons.

As women know, feminine hygiene products are expensive. In the United States, women spend about $2,000 in their lifetime on tampons alone.1 Consider using your TexFlex health care FSA to pay. Simply swipe your TexFlex debit card or pay out of pocket and submit a claim for reimbursement.

Footnotes
1 https://onlinenursing.duq.edu/master-science-nursing/the-ultimate-guide-to-feminine-hygiene/

Your TexFlex health care FSA can help during cold & flu season

It’s hard to avoid getting sick during the fall and winter. You may need some over-the-counter items to get some relief. Don’t forget, you can use your TexFlex health care FSA to pay for items like:

• allergy medicines,
• cold/cough medicines,
• cold sore and fever blister treatments,
• fever reducers and
• pain relievers.

Check out the FSAstore® to see what’s eligible and get what you need.

TexFlex debit cards for health care and limited-purpose FSA participants

• If you are a new TexFlex health care or limited-purpose FSA participant, you will get a debit card from PayFlex, at no cost to you.
• The card is not available to dependent care FSA participants.
• When you set up your online account with Inspira, you’ll need your new TexFlex debit card nearby. This is so you can enter the last 4 digits of your card number to help verify your account.
• You can order additional cards for dependents through this website. To do that, you must first create an online account. Otherwise, you can call Inspira at (866) 353-9839 (TTY: 711) to order a card for your dependent. There is no cost to you for additional cards.
• As always, you should save receipts, Explanations of Benefits (EOBs) and itemized statements for your debit card purchases.

Save receipts, statements & Explanations of Benefits

We may ask you to send documents to verify a card purchase is eligible. Be sure to respond immediately to keep your TexFlex debit card active.

You can submit documents online, through the PayFlex Mobile® app or by fax or mail. Your documents must show:

• merchant/provider name,
• patient name (if applicable),
• date of service,
• description of service and
• final amount you had to pay.*

*We can’t accept documents that show an “estimated” or “pending” amount from insurance.

Have questions?
Check out the TexFlex debit card verification guide.

Are your TexFlex debit card purchases eligible?

The Internal Revenue Service (IRS) guidelines require Inspira to verify all purchases made with the TexFlex debit card are eligible expenses. During the plan year, Inspira may ask you to send documents to prove that your card purchases are truly eligible expenses. Be sure to save your receipts, statements and Explanations of Benefits (EOBs) just in case.

If you get a letter by mail or email or you see an alert posted on your online account, respond immediately to keep your card active.

To learn more about verifying your card purchases, review the TexFlex debit card verification guide.

Need to verify a card purchase? Here’s what to send.

The best type of documentation to send is the Explanation of Benefits (EOB) from your insurance company. If you don’t have an EOB, you can send an itemized statement.

Keep in mind, your documents must include these five things:

1. Patient name
2. Provider name
3. Date(s) of service (not date of payment)
4. Type or description of service
5. Your cost, which is the final amount you owe after any discounts or insurance payments are fully applied

Note: We can’t accept documents with an “pending” or “estimated” amount due, even if it had already been paid to the provider.

Manage your TexFlex account from your mobile device

Download the Inspira Mobile® app from the App Store or Google Play. Login with the same username and password as the website. Then you can easily manage your TexFlex account on the go.

How to manage your TexFlex FSA on the go

Living life on the go means you need a solution that offers flexibility and the power to access your TexFlex funds whenever you want, wherever you are. That’s where the Inspira Mobile® can help.

With the Inspira Mobile app, you can:

• check your TexFlex FSA balance, payments and deposits,
• submit claims for reimbursement,
• pay a provider from your TexFlex health care or limited-purpose FSA,
• set up email, text and push notifications and
• use the Eligible Expense Scanner to see if an item is eligible.

Don’t have the app? Get it for free from your mobile device’s app store.

Download on the App Store >
Get it on Google Play >

To log in, use the same username and password you use for the TexFlex site. If you haven’t set up your online account, create your profile today.

Have you set up your online account for TexFlex?

If you have a TexFlex FSA, you can set up your online account. Health care FSA and limited-purpose FSA participants — be sure to have your TexFlex debit card nearby. You’ll need it to set up your online account.

To get started, click LOGIN and select CREATE PROFILE.

Once you set up your online account, you can:

• set up account notifications,
• set up direct deposit,
• check your balance,
• view account activity and
• submit claims for reimbursement.

After you set up your online account, download the  Inspira Mobile® app. Login with the same username and password as the website. Then you can easily manage your TexFlex account on the go.

Earn up to $500 with the HealthSelectShoppERS Rewards Program

HealthSelectShoppERS can help you earn rewards (up to $500) by shopping for certain medical services and procedures. It can also help you do things like:

• Compare costs for many health care procedures
• Estimate your out-of-pocket costs
• Save money and get the most value from your health care benefits
• Consider treatment decisions with your providers

Learn how the HealthSelectShoppERS Rewards Program works