Health Care FSA

This Health Care Flexible Spending Account (FSA), administered by McGriff Insurance Services(opens in a new tab), allows you to set aside money on a pre-tax basis to pay for health care expenses not covered by insurance.

Health Care FSA specifics

  • Participation is voluntary.
  • If you enroll in the Select Option or decline medical coverage, you are eligible to participate in a Health Care FSA.
  • You may contribute up to $2,700 per year into a Health Care FSA.
  • Your contributions are made on a pre-tax basis through payroll deduction.

Using your Health Care FSA

Under IRS regulations, expenses are treated as having been incurred when the participant is provided with the health care and not when the participant is billed for or pays for the health care. In other words, you cannot submit a bill for reimbursement for future services even if you have already paid for them. In addition, you cannot be reimbursed for expenses incurred prior to your coverage effective date or after coverage ends.


It's important to always save the receipts for your Health Care FSA expenses. You have until March 31, or 90 days after the plan year, to submit claims for reimbursement of eligible expenses incurred during the current plan year.

If you participate in the Health Care FSA, you can pay for health care expenses incurred by:

  1. Using your BB&T Benefit Access Visa® Debit Card
  2. Paying out of pocket (by cash or check) and then submitting a claim for reimbursement. Your claim form and your receipts should be submitted online, faxed, or printed and mailed to McGriff Insurance Services:
    1. Pay online(opens in a new tab)
    2. Fax: 252-293-9048 or 252-293-9049
    3. Mail:
      McGriff Insurance Services
      PO Box 6400
      Greenville, SC 29606

Health Care FSA expenses

Qualified expenses

Qualified expenses that can be claimed through the Health Care FSA include:

  • Medical and dental deductibles
  • Medical and dental co-payments or services not covered by the plans
  • Vision expenses not covered by insurance
  • Hearing expenses including exams and hearing aids
  • Prescription drug costs not covered by the medical plan.

Find more qualified expenses on the McGriff Insurance Services website(opens in a new tab) or in IRS publication 502 (PDF)(opens in a new tab)

Note: Over-the-counter medications are considered non-reimbursable expenses.

Non-reimbursable expenses

The following expenses are not qualified under the Health Care FSA:

  • Over-the-counter medications (unless prescribed by a doctor)
  • Cosmetic procedures (e.g., teeth whitening, dermabrasion, chemical peels or spider vein treatment)
  • General wellness expenses (e.g., health club dues, special foods, vitamins, exercise programs and equipment, or weight loss programs)
  • Insurance premiums (e.g., replacement insurance for contact lenses or other health plan policies)
  • Other expenses, including shipping and handling, missed appointment, late payment, or interest charges

Find more qualified expenses on the McGriff Insurance Services website(opens in a new tab) or in IRS publication 502 (PDF)(opens in a new tab)

Related information

McGriff Insurance Services Website

Check your FSA balance or review eligible expenses.

BB&T Benefit Access Card Request Form

Request a Benefit Access Card for a dependent, or request a replacement card.

EXCELLENCE Associate Handbook

View the entire handbook or individual sections.

Summary Plan Descriptions

Summaries for your benefits, retirement and more.

No personal or confidential associate information is contained within

Information contained within applies to eligible associates residing in the United States, unless otherwise specified.

Not all subsidiaries and affiliates of BB&T Corporation participate in the benefit programs and policies presented within

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