Can you carry over an FSA into the next calendar year?
Yes, IRS regulations stipulate that Health Care FSA dollars, which are taken out pre-tax, must be used for eligible expenses incurred in the same year as elected or rolled over for use for expenses incurred in the next plan year. Specific IRS regulations apply. No more than $570 can be rolled over from 2022 to 2023. Unused contributions in excess of $570 will be forfeited. You must re-enroll in the Health Care FSA for the following plan year in order to carry over funds.

Where can I learn more about FSAs?
Visit Benefits.cat.com >FSA tab > Flexible Spending Account tab to learn more about the two FSA accounts—Health Care Spending Account and Dependent Care Spending Account.

Please explain the difference between a health care spending account and a dependent care spending account.
A health care spending account is used to set aside funds for eligible medical, dental, vision and hearing expenses not covered by health plans for you, your spouse and your qualified dependents. The IRS defines what is considered an eligible expense and reimbursable by your FSA account. A dependent care spending account is used to set aside funds to offset non-medical day care expenses for dependent children under age 13 or for elder care when you are working or looking for work. These are separate accounts and funds cannot be transferred between the two. Remember, health care services for a qualified dependent are reimbursed through the health care spending account and not the dependent care account.

Can I turn off the FSA auto rollover feature? 
Yes. The default is for UnitedHealthcare to auto rollover your claims. To turn off the auto rollover features, simply contact UnitedHealthcare via phone or visit the myUHC.com website to request that your claims not auto rollover to healthcare FSA.

Why would I want to turn off the auto rollover feature for my FSA claims?
Although the auto rollover feature allows for quicker FSA reimbursements, if your spouse has other insurance that covers some expenses, or you want to send in claims yourself for a specific expense, you may want to turn off the auto rollover feature.

Who should I contact if I have a question related to Caterpillar's FSA plan?
UnitedHealthcare remains Caterpillar's FSA plan administrator and all reimbursement questions related to Caterpillar's FSA plans should be directed to UnitedHealthcare.  Questions regarding enrollment in FSA plans should be directed to the (for 2023) Caterpillar Benefits Center or (for 2024 or after) Caterpillar Health Enrollment Center.

Does UnitedHealthcare offer automatic deposit for my FSA account?
Yes. In order to have your FSA reimbursement deposited to your bank accounts, you can enroll via the myuhc.com website or contact UnitedHealthcare to request automatic deposit at 1-866-228-4215.

Am I still able to view my FSA account online if my healthcare plan is not through UHC?
Yes.  You can register on myuhc.com to see your FSA account information even though you have enrolled in a healthcare plan not administered by UHC. Go to myuhc.com and follow the directions to register for the site using your social security number in the Member ID field and 100300 in the Group/Account Number field.

Will my prescription drug co-pays and cost share automatically rollover to UnitedHealthcare for health care spending account reimbursement?
Yes. All prescription drug co-pays and cost share for high-cost drugs that are processed by Magellan Rx will automatically rollover to your health care spending account. Remember that the FSA expenses must have a cumulative total of more than $25 to trigger the FSA reimbursement, and is sent over by Magellan Rx to UHC weekly. 

What expenses are automatically submitted to my Health Care FSA account for reimbursement?
Medical expenses administered by UHC, dental expenses administered by Cigna Dental and Rx expenses administered by Magellan Rx will auto-roll to UHC for reimbursement. You must self submit any other eligible expenses to UHC for reimbursement. 

If I fill a prescription and pay a co-pay or cost share while also purchasing over-the-counter (OTC) drugs at the same time, will both automatically rollover to my health care spending account?
No. The prescription drug co-pay will be automatically sent to UnitedHealthcare for processing in your health care spending account, but any eligible OTC drug FSA expenses must be manually submitted to UnitedHealthcare for processing. These are specific IRS rules concerning allowable OTC expense. See the IRS website for more information on eligible expenses.

Can I submit FSA claims for someone who is not covered under Caterpillar insurance?
You can use FSA dollars for any person who lives with you and is a dependent for federal income tax purposes. The Health Care FSA is used for medical expenses. The Dependent Care spending account is used for childcare or elder care expenses only.

Why can't I submit my healthcare premiums for an FSA deduction?
Premiums for active employees are taken as a pre-tax deduction from your pay. Since premiums are already pre-tax, they cannot be submitted for FSA reimbursement.

Will my dental expenses automatically rollover to UnitedHealthcare for Health Care FSA reimbursement?
Yes. All eligible dental expenses that are processed by Cigna will automatically rollover to your Health Care FSA. Remember, that the FSA expenses must have a cumulative total of more than $25 to trigger the FSA reimbursement and is sent by Cigna to UHC twice per month.

How do I manually submit FSA claims?
To manually submit an FSA claim, use claim forms on benefits.cat.com for both Health Care and Dependent Care FSA expenses. Directions for completing the form and where to mail your claim are included on the form. Health care expenses can be submitted online by logging on to myuhc.com and following the directions to upload your claims as attachments.

I am enrolled in the Blue Cross Blue Shield and Flexible Spending Account (FSA). How can I get reimbursed under the FSA guidelines for medical claims related to my co-payments, co-insurance and deductible amounts?
The claim forms can be found on www.benefits.cat.com for both Health Care and Dependant Care claims. Go to benefits.cat.com and click on the FSA tab. Click on the Flexible Spending Account (FSA) type. A link is to documents are on the right side. The claims can be either mailed or faxed to UnitedHealthcare. The address and fax number information is located at the top of the form.

How do I appeal an FSA claim decision?
If you wish to have a denied FSA claim reviewed, a written request must be sent to UnitedHealthcare at the address identified in the notice of the claim denial in order to have the claim reviewed. You will have 180 days from the date the of the notice of denial to submit this request. 

If I don't participate in an FSA this year, can I next year?
Yes, you must elect to participate in FSA every year during annual enrollment or if you have a family qualified status change as governed by the IRS during the plan year.  Participation in FSA will not default or rollover from one year to the next.

Can dual-Caterpillar employees have the same FSA account?
Yes, one account can be used for expenses incurred by both Caterpillar employees. Automatic reimbursement of qualified expenses will only be made to the employee who is enrolled on the account. Qualified expenses incurred by the other Caterpillar employee (spouse) will need to be manually submitted to UHC for reimbursement.

Can retirees participate in an FSA?
No. Your participation in Flexible Spending Accounts ends on the last day of the month prior to your retirement date. However, if you were enrolled in the health care spending account as an active employee, you may elect to continue your participation for the remainder of the plan year under COBRA (the Consolidated Omnibus Budget Reconciliation Act of 1985).  If you elect to continue coverage under COBRA, you will receive a monthly invoice for your health care spending account contributions. Your contributions to a health care spending account will be made on an after-tax basis. 

Can you participate in FSA if you are eligible but not enrolled in the healthcare coverage through Caterpillar?
Yes. You will be required to self-submit the qualifying charges for reimbursement.

If I have a mid-year life event change, can I change my FSA deductions?
The IRS defines what changes can be made as the result of a qualified status change. It is also required that the change to your FSA pledge be consistent with the change in your status. Qualified status changes are not permitted after October 31 of each plan year. For a list of qualified status changes refer to your Summary Plan Description for more information. Contact the (for 2023) Caterpillar Benefits Center or (for 2024 or after) Caterpillar Health Enrollment Center within 31 days of the qualifying event to request this change.

Does a qualified status change mid-year that allows me to increase my FSA amount enable me to pay for expenses incurred before the date of my status change?
No. The increased amount to your FSA can be used only for expenses incurred on or after the effective date of the change. 

I enrolled in Dependent Care Spending Account but meant to enroll in Health Care Spending Account. Can I change accounts now? 
No. The IRS does not allow the transfer of contributions between accounts.