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<h1 itemprop="headline" class="text-contrast DGspeakableHeadline">Flexible Spending Accounts<span> The Bronx, NY</span></h1>
<p class="DGspeakableP1">Today, many employers offer a flexible spending account (FSA) as part of their benefits packages. Employees can use these funds to set aside money from each paycheck. FSAs cover most out-of-pocket health care expenses, including dental treatments.</p>
<p class="DGspeakableP2">University Dental Associates in The Bronx and the surrounding area accepts FSAs. Our team works with your employer to confirm coverage. If you are confused about using your FSA, we can help you. Do not let your FSA expire. Call us at <a title="Click to call University Dental Associates at (718) 733-6600" href="tel:+1-718-733-6600" class="TLBC" id="CTC-Phone-Formatted-0" rel="nofollow noopener" target="_blank">(718) 733-6600</a> to learn how to make the most of your funds.</p>
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<section class="main-service-content section-block bg-primary SPS1" id="flexible-spending-accounts v1" role="contentinfo" aria-label="Passage about how fsas work"><!-- Section 1 -->
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<p>FSAs can help bridge the gap left by other health insurance plans. They allow employees to use tax-free funds to cover out-of-pocket health care expenses, and they sometimes replace a traditional employer health insurance plan.</p>
<p>Employees can also use their FSA to supplement a marketplace plan. In other cases, the FSA may supplement an employer-sponsored health care plan. Either way, the FSA has one central purpose: to cover out-of-pocket expenses.</p>
<p>Employees contribute <a title="Read more about a limited amount of money to their FSA each year" href="https://www.healthcare.gov/have-job-based-coverage/flexible-spending-accounts/" rel="nofollow noopener" target="_blank" style="text-decoration: underline;" class="TLBC" id="ALR-Flexible-Spending-Accounts">a limited amount of money</a> to their FSA each year. These funds are taken out of the paycheck before taxable income is calculated. Afterward, employees have one year to use their funds on approved health care expenses. FSA funds can apply toward deductibles, copayments, and coinsurance. Some prescription drugs and over-the-counter medications are covered. Employees can even pay for medical devices like crutches using their FSA.</p>
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<h3 itemprop="alternativeHeadline">"FSA can help bridge the gap left by other health insurance plans."</h3>
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<section class="main-service-content section-block bg-mute SPS2" id="flexible-spending-accounts v1" role="contentinfo" aria-label="Passage about the pros and cons of an FSA"><!-- Section 2 -->
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<p>Tax savings represent the main benefit of an FSA. Since the funds are removed before taxes, employees have a lower taxable income. Some employees find that an FSA increases their take-home pay. The funds in an FSA are available at all times, with few restrictions. Most FSAs are <a title="Read more about What is an FSA and how does it work?" href="https://learn.hellofurther.com/Employers/About_Accounts/FSA/Fact_Sheet%3A_Flexible_Spending_Accounts_(FSAs)#:~:text=An%20FSA%20is%20an%20employer,%2Dfree%2C%20for%20the%20year." rel="nofollow noopener" target="_blank" style="text-decoration: underline;" class="TLBC" id="ALR-Flexible-Spending-Accounts">linked to a debit card</a> for added convenience. Patients can then use their FSA debit card at their doctor, dentist, or pharmacy. Patients usually do not need pre-approval or to do other paperwork.</p>
<p>However, employees can only contribute a certain amount of money each year. For most employees, the limit is <a title="Read more about Using a Flexible Spending Account (FSA)" href="https://www.healthcare.gov/have-job-based-coverage/flexible-spending-accounts/" rel="nofollow noopener" target="_blank" style="text-decoration: underline;" class="TLBC" id="ALR-Flexible-Spending-Accounts">$2,750 per year</a>. Spouses can also contribute an equal amount to their own FSA. Additionally, FSA funds are tied to an employer. If an employee changes jobs, they cannot keep their current FSA</p>
<p>FSAs funds are "use it or lose it." At the end of the year, employees can roll over up to $500. The remaining unused funds are forfeited to the employer. Employees must keep an eye on their FSA balance. It's up to each patient to ensure that they use their funds before they expire.</p>
<p>Many patients confuse FSAs with health savings accounts (HSAs). These programs are similar, but they have a few key differences. With an FSA, employees can use their funds as a line of credit. With HSAs, employees can only spend money they have already saved. HSAs are also transferrable: employees can keep their HSAs if they change jobs.</p>
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<section class="call-out bg-secondary SPPQ2" id="flexible-spending-accounts v1"  role="contentinfo" aria-label="Pull quote from passage about the pros and cons of an FSA"><!-- Pull quote block 2 -->
<h3 itemprop="alternativeHeadline">"The funds in an FSA are available at all times, with few restrictions."</h3>
</section><!-- /.end SPPQ2 flexible-spending-accounts v1 Service Page Pull Quote 2 -->

<section class="main-service-content section-block bg-mute SPS3" id="flexible-spending-accounts v1" role="contentinfo" aria-label="Passage about how to save money with an FSA"><!-- Section 3 -->
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<a name="how-do-i-sign-up-for-an-fsa"></a>
<h2 itemprop="alternativeHeadline" class="text-contrast">How to Save Money With an FSA</h2>
<div class="divider divider-solid"></div>
<p>With an FSA, employees can set aside money from their paycheck. Enrollment is available for a limited time at most workplaces. One's employer can provide more details about where, when, and how to sign up for an FSA.</p>
<p>During the enrollment period, employees determine how much money they plan to save. Choosing the FSA budget can be tricky. If an employee underestimates how much money they need, they might lose out on tax savings. If they overestimate, they may lose the money. The exact amount one needs will depend on their family's unique circumstances.</p>
<p>After enrollment, the money is deducted from each paycheck. Employees have until <a title="Read more about Flexible Spending Account (FSA)" href="https://www.healthcare.gov/glossary/flexible-spending-account-fsa/" rel="nofollow noopener" target="_blank" style="text-decoration: underline;" class="TLBC" id="ALR-Flexible-Spending-Accounts">March 15</a> of the following year to use their funds. Keep in mind that unused funds will expire. It's the employee's responsibility to use their funds before the deadline.</p>
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<section class="call-out bg-secondary SPPQ3" id="flexible-spending-accounts v1" role="contentinfo" aria-label="Pull quote from passage about how to save money with an FSA"><!-- Pull quote block 3 -->
<h3 itemprop="alternativeHeadline">"One's employer can provide more details about where, when, and how to sign up for an FSA."</h3>
</section><!-- /.end SPPQ3 flexible-spending-accounts v1 Service Page Pull Quote 3 -->

<section class="call-out center-align bg-tertiary SPBS" id="flexible-spending-accounts v1" role="contentinfo" aria-label="Invitation to view what others are saying about our Flexible Spending Accounts services"><!-- Service Page Barnacle -->
<p id="flexible-spending-accounts-yelp-reviews-the-bronx-ny"><i class="fa fa-yelp fa-lg"></i> Check out what others are saying about our dental services on Yelp: <a title="Search Yelp for Flexible Spending Accounts in The Bronx, NY" href="https://www.yelp.com/biz/university-dental-associates-bronx" rel="nofollow noopener" target="_blank" class="TLBC text-contrast" id="CLYP-Flexible-Spending-Accounts">Flexible Spending Accounts in The Bronx, NY</a></p>
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<section class="main-service-content section-block bg-mute SPS4" id="flexible-spending-accounts v1" role="contentinfo" aria-label="Passage about how to use FSA funds"><!-- Section 4 -->
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<a name="can-i-use-my-fsa-to-pay-for-dental-care"></a>
<h2 itemprop="alternativeHeadline" class="text-contrast">How to Use FSA Funds</h2>
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<p>Patients can use their FSA to cover most dental expenses, including routine care. But not all procedures and treatments are eligible. Before scheduling a dental procedure, patients should talk to their employer and plan provider. Cosmetic procedures, <a title="Read more about Using Your Flexible Spending Account (FSA) for Dental Care" href="https://www.investopedia.com/ask/answers/120215/can-flexible-spending-account-fsa-be-used-dental.asp" rel="nofollow noopener" target="_blank" style="text-decoration: underline;" class="TLBC" id="ALR-Flexible-Spending-Accounts">including cosmetic orthodontics</a>, are usually not covered under an FSA. However, if a patient needs orthodontics for medical purposes, they might be allowed to use their FSA funds. Our dental team can work with your plan provider to determine coverage.</p>
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<section class="call-out bg-secondary SPPQ4" id="flexible-spending-accounts v1" role="contentinfo" aria-label="Pull quote from passage about how to use FSA funds"><!-- Pull quote block 4 -->
<h3 itemprop="alternativeHeadline">"Cosmetic procedures, including cosmetic orthodontics, are usually not covered under an FSA."</h3>
</section><!-- /.end SPPQ4 flexible-spending-accounts v1 Service Page Pull Quote 4 -->

<section class="faq-section section-block bg-primary SPQ" id="flexible-spending-accounts v1" role="contentinfo" aria-label="Questions closely related to Flexible Spending Accounts"><!-- Service Page Questions -->
<h2 itemprop="alternativeHeadline" class="text-contrast center-align">Questions Answered on This Page</h2>
<div class="divider divider-solid"></div>
<p class="questions text-contrast"><span>Q.</span> <a title="Q. What is an FSA?" href="/the-bronx-ny/flexible-spending-accounts/#what-is-an-fsa" class="TLBC" id="SPQA-Flexible-Spending-Accounts">What is an FSA?</a></p>
<p class="questions text-contrast"><span>Q.</span> <a title="Q. What are the benefits of an FSA?" href="/the-bronx-ny/flexible-spending-accounts/#benefits-of-an-fsa" class="TLBC" id="SPQA-Flexible-Spending-Accounts">What are the benefits of an FSA?</a></p>
<p class="questions text-contrast"><span>Q.</span> <a title="Q. How do I sign up for an FSA?" href="/the-bronx-ny/flexible-spending-accounts/#how-do-i-sign-up-for-an-fsa" class="TLBC" id="SPQA-Flexible-Spending-Accounts">How do I sign up for an FSA?</a></p>
<p class="questions text-contrast"><span>Q.</span> <a title="Q. Can I use my FSA to pay for dental care?" href="/the-bronx-ny/flexible-spending-accounts/#can-i-use-my-fsa-to-pay-for-dental-care" class="TLBC" id="SPQA-Flexible-Spending-Accounts">Can I use my FSA to pay for dental care?</a></p>
<p class="questions text-contrast"><span>Q.</span> <a title="Q. Where can I use my FSA funds?" href="/the-bronx-ny/flexible-spending-accounts/#where-can-i-use-my-fsa-funds" class="TLBC" id="SPQA-Flexible-Spending-Accounts">Where can I use my FSA funds?</a></p>
<h2 itemprop="alternativeHeadline" class="text-contrast center-align">People Also Ask</h2>
<div class="divider divider-solid"></div>
<!-- PAA flexible-spending-accounts v1 Service Page Questions -->
<p class="questions text-contrast"><span>Q.</span> <a title="Q. Do HSAs cover dental treatments?" href="/the-bronx-ny/health-care-savings-account/#do-hsas-cover-dental-treatments" class="TLBC" id="PAA-Health-Care-Savings-Account">Do HSAs cover dental treatments?</a></p>
<p class="questions text-contrast"><span>Q.</span> <a title="Q. Is dental insurance worth it?" href="/the-bronx-ny/how-does-dental-insurance-work/#is-dental-insurance-worth-it" class="TLBC" id="PAA-How-Does-Dental-Insurance-Work">Is dental insurance worth it?</a></p>
<p class="questions text-contrast"><span>Q.</span> <a title="Q. What are co-pays and deductibles?" href="/the-bronx-ny/dental-insurance/#what-are-co-pays-and-deductibles" class="TLBC" id="PAA-Dental-Insurance">What are co-pays and deductibles?</a></p>
<!-- /.end PAA flexible-spending-accounts v1 Service Page Questions -->
</section><!-- /.end SPQ flexible-spending-accounts v1 Service Page Questions -->

<section class="main-service-content section-block bg-mute SPS5" id="flexible-spending-accounts v1" role="contentinfo" aria-label="Passage about what treatments and procedures are eligible"><!-- Section 5 -->
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<a name="where-can-i-use-my-fsa-funds"></a>
<h2 itemprop="alternativeHeadline" class="text-contrast">What Treatments and Procedures Are Eligible</h2>
<div class="divider divider-solid"></div>
<p>FSAs cover a wide range of dental services, including:</p>
<ul class="bullet-list">
<li>Routine cleanings</li>
<li>Filling, sealants, and extractions</li>
<li>Diagnostic and preventive care</li>
<li>Gum disease treatment</li>
<li>Oral surgery</li>
<li>Crowns, bridges, and dentures</li>
</ul>
<p>Employees can also use their FSA funds for other health care expenses, such as:</p>
<ul class="bullet-list">
<li>Prescription medications</li>
<li>Medical and diagnostic devices</li>
<li>Over-the-counter medications (with a doctor's prescription)</li>
<li>Copays</li>
<li>Deductibles</li>
<li>Coinsurance</li>
<li>Eyeglasses</li>
<li>Eye surgery</li>
<li>Hearing aids</li>
<li>Hospital expenses</li>
</ul>
<p>FSA funds can go toward most preventive and diagnostic procedures, though some exclusions may apply. One's employer and plan provider can provide details about specific rules and exemptions.</p>
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<section class="call-out bg-secondary SPPQ5" id="flexible-spending-accounts v1" role="contentinfo" aria-label="Pull quote from passage about what treatments and procedures are eligible"><!-- Pull quote block 5 -->
<h3 itemprop="alternativeHeadline">"FSA funds can go toward most preventive and diagnostic procedures."</h3>
</section><!-- /.end SPPQ5 flexible-spending-accounts v1 Service Page Pull Quote 5 -->

<section class="faq-section section-block bg-mute SPFAQ" id="flexible-spending-accounts v1" role="contentinfo" aria-label="Frequently asked questions related to Flexible Spending Accounts"><!-- Service Page FAQ -->
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<h2 itemprop="alternativeHeadline" class="text-contrast center-align">Frequently Asked Questions</h2>
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<span  itemscope itemprop="mainEntity" itemtype="https://schema.org/Question">
<p class="questions text-contrast"><span>Q.</span> <span itemprop="name">What are flexible spending accounts?</span></p>
<p class="answers" itemscope itemprop="acceptedAnswer" itemtype="https://schema.org/Answer">
<span>A.</span> <span itemprop="text">Your employer may offer a flexible spending account (FSA) as part of your benefits package. With an FSA, you can set aside money from each paycheck for health care expenses. These funds are not taxed, and you can withdraw the funds as needed. You can decide how much you want to contribute each year.</span></p>
</span>
<span  itemscope itemprop="mainEntity" itemtype="https://schema.org/Question">
<p class="questions text-contrast"><span>Q.</span> <span itemprop="name">How much money can I put in my flexible spending account?</span></p>
<p class="answers" itemscope itemprop="acceptedAnswer" itemtype="https://schema.org/Answer">
<span>A.</span> <span itemprop="text">Maximum annual contributions can vary. If you have a medical FSA, your yearly maximum is $2,750. With a dependent care FSA, the yearly maximum is $5,000. Your employer can provide more details about their policies.</span></p>
</span>
<span  itemscope itemprop="mainEntity" itemtype="https://schema.org/Question">
<p class="questions text-contrast"><span>Q.</span> <span itemprop="name">Where can I use the money in my flexible spending account?</span></p>
<p class="answers" itemscope itemprop="acceptedAnswer" itemtype="https://schema.org/Answer">
<span>A.</span> <span itemprop="text">Most employers use their FSA to pay for expenses not covered by their health insurance policy. The funds can apply toward out-of-pocket costs like deductibles, coinsurance, and copays. You might also use your FSA for dental, orthodontic, and vision care.</span></p>
</span>
<span  itemscope itemprop="mainEntity" itemtype="https://schema.org/Question">
<p class="questions text-contrast"><span>Q.</span> <span itemprop="name">Does my money roll over?</span></p>
<p class="answers" itemscope itemprop="acceptedAnswer" itemtype="https://schema.org/Answer">
<span>A.</span> <span itemprop="text"><a title="Read more about Flexible Spending Account (FSA)" href="https://www.healthcare.gov/glossary/flexible-spending-account-fsa/" rel="nofollow noopener" target="_blank" style="text-decoration: underline;" class="TLBC" id="ALR-Flexible-Spending-Accounts">You can roll over up to $500 from one year into the next</a>. However, the remaining money will be forfeited to your employer at the end of the year. Patients should keep an eye on their FSA balance and use their funds before the year's end.</span></p>
</span>
<span  itemscope itemprop="mainEntity" itemtype="https://schema.org/Question">
<p class="questions text-contrast"><span>Q.</span> <span itemprop="name">What happens to the money in my flexible spending account if I change jobs?</span></p>
<p class="answers" itemscope itemprop="acceptedAnswer" itemtype="https://schema.org/Answer">
<span>A.</span> <span itemprop="text">Unlike HSAs, FSAs are owned by employers. If you leave your current employer, you can't take the funds with you. Instead, you must use up your funds before your employment is terminated. Otherwise, you forfeit the remaining balance to your employer.</span></p>
</span>
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</section><!-- /.end SPFAQ flexible-spending-accounts v1 Service Page FAQ -->

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<section class="definitions section-block bg-primary z-depth-1 SPD" id="flexible-spending-accounts v1" role="contentinfo" aria-label="Medical definitions closely related to Flexible Spending Accounts services"><!-- Service Page Definitions -->
<h2 itemprop="alternativeHeadline" class="text-contrast">Dental Terminology</h2>
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<a name="coinsurance"></a>
<dt class="text-contrast"><dfn>Coinsurance</dfn></dt>
<dd>Coinsurance is the percentage one pays for a health care service after their deductible has been met.</dd>
</div>
<div class="col m6 s12">
<div class="divider divider-solid hide-on-med-and-up"></div>
<a name="co-pay"></a>
<dt class="text-contrast"><dfn>Co-pay</dfn></dt>
<dd>A fixed payment made by the insured (patient) coupled with that of the insurance coverage.</dd>
</div>
</div>
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<div class="col m6 s12">
<div class="divider divider-solid"></div>
<a name="deductible"></a>
<dt class="text-contrast"><dfn>Deductible</dfn></dt>
<dd>Part of an insurance policy that indicates a specified amount of money that the insured must pay prior to the coverage amount.</dd>
</div>
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<div class="divider divider-solid"></div>
<a name="diagnostic-procedure"></a>
<dt class="text-contrast"><dfn>Diagnostic Procedure</dfn></dt>
<dd>A diagnostic procedure is a medical procedure aimed at diagnosing a condition or illness.</dd>
</div>
</div>
<div class="row definition-flex">
<div class="col m6 s12">
<div class="divider divider-solid"></div>
<a name="employer-sponsored-health-insurance"></a>
<dt class="text-contrast"><dfn>Employer Sponsored Health Insurance</dfn></dt>
<dd>Employer sponsored health insurance is a healthcare plan offered to eligible employees in which the employer pays a portion of the monthly premium.</dd>
</div>
<div class="col m6 s12">
<div class="divider divider-solid"></div>
<a name="health-care-savings-accounts"></a>
<dt class="text-contrast"><dfn>Health Care Savings Accounts</dfn></dt>
<dd>A tax-advantaged savings account for medical expenses for tax-payers with a high-deductible healthcare plan.</dd>
</div>
</div>
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<a name="open-enrollment"></a>
<dt class="text-contrast"><dfn>Open Enrollment</dfn></dt>
<dd>The open enrollment period is the time of year when someone can enroll in a health insurance plan.</dd>
</div>
<div class="col m6 s12">
<div class="divider divider-solid"></div>
<a name="out-of-pocket-medical-expenses"></a>
<dt class="text-contrast"><dfn>Out of Pocket Medical Expenses</dfn></dt>
<dd>An out of pocket medical expense is anything a person has to pay for medical reasons that is not covered by insurance. These typically include co-payments, deductibles or uninsured prescription and procedure costs.</dd>
</div>
</div>
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<div class="col m6 s12">
<div class="divider divider-solid"></div>
<a name="out-of-pocket-maximum"></a>
<dt class="text-contrast"><dfn>Out of Pocket Maximum</dfn></dt>
<dd>The out of pocket maximum is the most an individual will have to pay for health care services in a plan year before your insurance provider covers all the cost.</dd>
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</section><!-- /.end SPD flexible-spending-accounts v1 Service Page Definitions -->

<section class="call-out bg-tertiary SPCTA" id="flexible-spending-accounts v1" role="contentinfo" aria-label="Invitation to visit or call University Dental Associates"><!-- Service Page CTA -->
<h2 itemprop="alternativeHeadline" class="text-contrast">Call Us Today</h2>
<div class="divider divider-solid"></div>
<p>An FSA can help you set aside health care funds and save money at tax time. If your health care plan doesn't cover out-of-pocket dental expenses, an FSA might be able to help. But it's your job to make sure that your funds don't expire. If you don't use your FSA funds each year, you may forfeit the money.</p>
<p>Let University Dental Associates in The Bronx help you put your FSA to use. Call us at <a title="Click to call University Dental Associates at 718-733-6600" href="tel:+1-718-733-6600" class="TLBC" id="CTC-Phone-Hyphens-0" rel="nofollow noopener" target="_blank">718-733-6600</a> to learn more about applying FSA funds toward dental care.</p>
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<li><span itemprop="name">American Dental Association (ADA)</span>. <a href="https://www.ada.org/publications/cdt/glossary-of-dental-clinical-terms" itemprop="url" target="_blank" rel="nofollow noopener" style="text-decoration: underline;" class="TLBC" id="ALR-American-Dental-Association-Glossary">Glossary of Dental Clinical Terms</a>. <i>2022</i></li>
<li><span itemprop="name">American Academy of Cosmetic Dentistry® (AACD)</span>. <a href="http://www.aacd.com/" itemprop="url" target="_blank" rel="nofollow noopener" style="text-decoration: underline;" class="TLBC" id="ALR-American-Academy-of-Cosmetic-Dentistry">Home Page</a>. 
<i>2022</i></li>
<li><span itemprop="name">WebMD</span>. <a href="http://www.webmd.com/oral-health/guide/default.htm" itemprop="url" target="_blank" rel="nofollow noopener" style="text-decoration: underline;" class="TLBC" id="ALR-WebMD-oral-care-guide">WebMD's Oral Care Guide</a>. <i>2022</i></li>
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<h3 itemprop="alternativeHeadline" class="text-contrast">About our business, and website security</h3><ul itemscope itemtype="http://www.schema.org/SiteNavigationElement" class="bullet-list"><div class="divider divider-solid"></div><li>University Dental Associates was established in 1972.</li><li>We accept the following payment methods: American Express, Cash, Discover, MasterCard, and Visa</li><li>We serve patients from the following counties: Queens County, Westchester County, New York County, Kings County, Bronx County, Richmond County, Suffolk County and Nassau County</li><li>We serve patients from the following cities: The Bronx, Washington Heights, Mt Vernon, Yonkers, Fordham, Parkchester, Pelham Bay, Riverdale, Morris Park, and Mott Haven</li><!-- <li><span itemprop="name">NY</span>. <a href="" target="_blank" rel="nofollow noopener" class="TLBC" id="ALT-State-License" style="text-decoration: underline;">View License Information and Specifics</a></li> --><li><span itemprop="name">National Provider Identifier Database</span> (1750459194). <a href="https://npiregistry.cms.hhs.gov/provider-view/1750459194" target="_blank" rel="nofollow noopener" class="TLBC" id="ALT-NPIdb" style="text-decoration: underline;">View NPI Registry Information</a></li><li><span itemprop="name">Healthgrades</span>. <a href="https://www.healthgrades.com/dentist/dr-rafael-isakharov-3ymn7" target="_blank" rel="nofollow noopener" class="TLBC" id="ALT-Healthgrades" style="text-decoration: underline;">View Background Information and Reviews</a></li><li><span itemprop="name">Norton Safe Web</span>. <a href="http://safeweb.norton.com/report/show?url=/dentistbronxnewyork.com" target="_blank" rel="nofollow noopener" class="TLBC" id="ALT-Norton-Safe-Web" style="text-decoration: underline;">View Details</a></li><li><span itemprop="name">Trend Micro Site Safety Center</span>. <a href="http://global.sitesafety.trendmicro.com/?url=/dentistbronxnewyork.com" target="_blank" rel="nofollow noopener" class="TLBC" id="ALT-Trend-Micro-Site-Safety" style="text-decoration: underline;">View Details</a></li></ul>
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