Overview
Using a Flexible Spending Account (FSA) for eligible expenses is like getting a discount because you’re paying with tax-free money. These accounts are administered by WEX. Lineage offers two Flexible Spending Account (FSA) options and a commuter benefit. You can enroll through Workday as a new hire, during Open Enrollment or if you have a Qualifying Life Event.
Key features
Tax-free money
Money goes in tax-free* and comes out tax-free when it’s used for eligible out-of-pocket expenses.
Convenient payroll deductions
Contribute to your accounts easily and effortlessly.
Helpful budgeting tool
Plan for upcoming expenses by setting aside money each paycheck.
* Consult with your tax advisor to understand the potential tax implications of enrolling in an FSA.
2025 spending accounts
Healthcare Flexible Spending Account (FSA)
Covers eligible medical, dental and vision expenses. Available to team members who enroll in the Premium Plus PPO, Premium PPO or Standard PPO plans, the Kaiser Permanente DHMO Plan (California only) or those who do not elect medical coverage through Lineage.
Dependent Care Flexible Spending Account (FSA)
Covers eligible dependent care expenses such as day care, after-school care or home care for dependents 13 or under. Available to all team members.
Commuter Benefit
Covers eligible transportation, parking and vanpool expenses. Available to team members in select areas.
What’s eligible?
The IRS determines what expenses can be paid with money from an FSA. Learn more about the eligible expenses for each account:
How much could you save?
Here’s an example. Let’s say Tom decides to set aside $2,000 in an FSA for the year. Normally, on that money, he’d pay $480 in federal income tax, $100 in state income tax and $153 in payroll tax. So, by contributing that $2,000 to his FSA, he’ll save $733 in taxes for the year.
| Without an FSA, Tom would pay … | Savings |
|---|---|
| 24% in federal income tax………………………………………………………. | $480 |
| 5% in state income tax*…………………………………………………………. | $100 |
| 7.65% in payroll tax…………………………………………………………..……. | $153 |
| His total tax savings for the year with an FSA ………….......... | $733 |
This hypothetical example is for educational purposes only. Dollar amounts or savings will vary depending on income, state and city tax rules and other factors. Please consult a tax, legal or financial advisor about your own personal situation.
Consult with your tax advisor to understand the potential tax implications of enrolling in an FSA.
Health Care Flexible Spending Account
The Healthcare FSA can be used for all eligible medical, dental and vision expenses such as:
- Copays when you visit your medical, dental or vision providers
- Hearing aids
- Eyeglasses, contact lenses or Lasik surgery
- Orthodontia expenses
- Prescriptions
- And more!
You can contribute up to $3,300 for the year through pre-tax payroll deductions. Note: You must enroll in this account every year during the Open Enrollment period if you want to roll over your prior FSA amount and contribute to the next plan year, even if you already have an account.
Setting up and managing your account
If you are a first-time enrollee in the Healthcare FSA, you will receive an FSA debit card in the mail from WEX with instructions on how to set up your account. If you currently have a benefit debit card for the Lineage FSA plan, you will not get a new one unless your current card has expired.
Request reimbursement and manage your account on the WEX website.
How the Healthcare FSA works
Use your money!
*FSA funds are “use it or lose it.” You can carry over up to $660 of unused money in your FSA to the next year, as long as you actively enroll in the FSA the following plan year. You will forfeit any remaining amount above $660 that is not spent and reimbursed by June 30.
Please Note: If you enroll in the account by accident, Lineage is not able to reimburse the funds that were contributed to the account.
Visit wexinc.com/discovery-benefits/ or call 1-866-451-3399 for more information.
Dependent Care Flexible Spending Account
A Dependent Care Flexible Spending Account (FSA) allows you to pay less for child and elder care expenses by using tax-free dollars. The Dependent Care FSA is available to all team members. Contribute through pre-tax payroll deductions to help cover your eligible dependent care expenses, including day care, after-school care or home care for dependent children under 13 who live with you and for whom you provide more than 50% support. You can also use these funds for care for any dependent living with you who is physically or mentally incapable of caring for him/herself.
You can contribute up to $5,000 each year if you are married and file a joint return or file a single or head of household return, and you can contribute $2,500 if you are married and file separate returns. Note: You must enroll in this account every year during the Open Enrollment period if you want to contribute the next plan year, even if you already have an account.
Use your money!
The money in your Dependent Care FSA does not carry over to the next plan year; you must “use it or lose it.” Request reimbursement or manage your account on the WEX website.
How the Dependent Care FSA works
The Dependent Care FSA is not for medical expenses.
You can use these funds to pay for expenses like preschool, summer day camp, before or after school care, etc. If you have questions about the difference between the Healthcare and the Dependent Care FSA, call 1-844-537-5300 or email benefits@onelineage.com.
Please Note: If you enroll in the account by accident, Lineage is not able to reimburse the funds that were contributed to the account.
Visit wexinc.com/discovery-benefits/ or call 1-866-451-3399 for more information.
Commuter Benefits
By contributing to a Commuter Benefit account, you can receive significant savings on your daily commute, keeping more money in your pocket. Set aside pre-tax dollars from your paycheck to help pay for eligible monthly transportation, parking and vanpool expenses.
What does it cover?
Commuter funds can be used on a variety of transportation and parking expenses that allow you to travel to and from work. Eligible modes of transportation include but aren’t limited to:
- Train
- Bus
- Subway
- Ferry
- Vanpool (must seat at least 6 adults)
- Parking or parking meter near Lineage office
Who is eligible for the Commuter Benefit?
To be eligible, you must work in Washington, D.C., San Franscisco, Seattle, New Jersey, New York City or the Chicago metropolitan area.
How to use your Commuter Benefit
Your funds roll over month to month
Funds will continue to roll over until they are used, but will no longer be available if you terminate employment.
Visit wexinc.com/discovery-benefits/ or call 1-866-451-3399 for more information.