Healthcare Flexible Spending Account (FSA)

What is a Health Care FSA?

The Health Care FSA lets you set aside up to $3,400 for the 2026 plan year, to pay for eligible out-of-pocket health care costs such as:

  • Deductible and copayments for your medical, dental and vision plans.
  • FSA-eligible expenses that are not covered by your plans.
  • Prescribed medical supplies and equipment.
  • Any other health care expenses that qualify under Internal Revenue Service (IRS) rules.

You may not participate in a Health Care FSA if you contribute to an HSA.

Flexible Spending Accounts administered by Chard Snyder (formerly HR Simplified)

Contact Chard Snyder at 800-982-7715, Option 1, by email at askpenny@chard-snyder.com or by visiting the Chard Snyder website.

Chard Snyder

Use it or Lose it!

Carefully estimate your health care expenses. According to IRS rules, the account operates on a use-it-or-lose it basis, meaning that you forfeit any unreimbursed amounts left in your account.

How to Register

  • Register to monitor your account on the Chard Snyder website, here.
  • Click the light blue Login button in the top right corner of the home page
  • Under Participants, click Access Your FSA, HRA, HSA, LSA, Commuter Accounts
  • On the Login page under New User, click Get Started
  • Follow the prompts to verify your identity and set up your login credentials
  • Log in to your account

Debit Card

  • If you have not received or lost your debit card, please call Chard Snyder at 800.982.7715, Option 1.
  • Upon enrollment in the Healthcare FSA plan, you will receive a MyPreTax debit card in the mail to the address listed in Dayforce. The card will have your Pre-Tax account funds available for you to use. Only Healthcare FSA participants will receive an FSA debit card; Dependent Care FSA participants will not receive a debit card to use in the Dependent Care FSA plan.
  • If you are already enrolled in the commuter program through Chard Snyder, you will not receive a new card. You will use the same card for both FSA and Commuting transactions.

Online Features

  • Direct Deposit: Sign up for free direct deposit of cash reimbursements by selecting the ‘Reimbursement Preference‘ under the ‘Navigation‘ panel of the portal located on the left-hand side. By providing your banking information, you will receive faster reimbursements. Without enrolling in the direct deposit option, your reimbursements will be mailed to you via check.
  • Mobile App: Chard Snyder, Inc. has a Mobile App available for you to download. Simply go to the Google Play or Apple App Store to download the app today. You will be able to take pictures of receipts and file your claims while you are on the go! You will also be able to review your account, check your balance, review claims, and more- all with the convenience of your mobile device.

Additional Resources

Please take some time to review the guides below for more information on managing your Flexible Spending Account(s):

Coverage End Date

Your health care and dependent care Flexible Spending Accounts (FSAs) will end on the last day of employment. Unused funds left in the account cannot be refunded to you per IRS guidelines.

Claims

You may continue to submit claims for qualified expenses incurred prior to your termination.

For the dependent care FSA account, you may send in claims incurred on or before your departure date for qualified expenses in order to exhaust the funds in your account.

COBRA

Health care FSAs can continue to be accessed on a post-tax basis if you elect to continue through COBRA.