Limited Purpose Flexible Spending Account (LP-FSA)

A LP-FSA helps you save on qualified vision, dental and preventive care expenses.

Enjoy pre-tax savings on qualified expenses. [You can enroll in a LP-FSA during open enrollment or upon the occurrence of a qualifying event.]

What you need to know about an LP-FSA

Spend less on taxes, save more on vision, dental and preventive care expenses. With an LP-FSA, you’ll preserve HSA funds to use for other expenses.

  • A benefit only available to you if you opened and are eligible to contribute to an HSA
  • Helps pay the cost of dental, vision and preventive care so you can preserve HSA funds for other expenses or save and invest for the future
  • You’ll have pre-tax dollars deducted from your paycheck and deposited into your LP-FSA—up to [$3,050] for [2023].1 And you can use those funds to pay for qualified expenses.2
  • [Funds not used to cover qualified expenses by the end of the calendar year will be forfeited.] [Funds not used to cover qualified expenses by [DATE] will be forfeited.] [Funds in excess of [$610] not used to cover qualified expenses by the end of the calendar year will be forfeited, however your employer allows you to roll over up to [$610].]

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Expenses covered

Use your tax-advantaged LP-FSA to pay for qualified dental, vision and preventive care for you, your family and any eligible dependents, such as 

  • Dental and eye exams
  • Prescription glasses
  • Contact lenses
  • LASIK surgery
  • Dental X-rays
  • Fillings and cleanings
  • Orthodontia

Valuable features

Accessing and using your LP-FSA is easy and convenient

  • Seamless enrollment process and account setup
  • Easy payments using a single, smart, multipurpose debit card that knows which of your accounts to tap into
  • 24/7/365 account access through the easy-to-use online portal and mobile app
  • Tailored educational resources and decision support tools and one-click answers to your benefits questions
  • Full year amount of elected contributions available on Day 1 (whether or not you have made any contributions)
  • The ability to facilitate the claims experience for HSAs and Limited Purpose FSAs when combined with MetLife Vision and/or Dental.

Limited Purpose Flexible Spending Account FAQs

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Pre-tax dollars are funds from your paycheck that are credited to your LP-FSA before taxes have been taken out. Since you’re not paying taxes on money you contribute, you end up with more money to use for qualified expenses.

.Contributions are automatically transferred from your paycheck and credited to your LP-FSA. These funds can then be used for qualified dental, vision and preventive care expenses.

The contribution maximum for [2023] is [$3,050].1 Your contribution should be determined by how much you anticipate in covered expenses for the year and how much you can afford to have deducted from your paycheck.

You can use LP-FSA funds for a range of qualified vision, dental and preventive care expenses. These include dental and eye exams, prescription glasses, contact lenses, LASIK surgery, dental X-rays, fillings and cleanings, orthodontia, diagnostic services, prescription and over-the-counter medications and drugs for dental and vision and more.

There are three ways to pay for expenses. You can use a smart debit card which is connected to your account. You can also pay providers directly through the LP-FSA online portal or submit receipts for reimbursement.

You’ll have 24/7/365 online access to account information through the online portal and mobile app. You’ll be able to view details on your contributions, balance and spending. You can download the MetLife HS&SA app for your device from the Apple app store or Google Play and login using the password you use to access the online portal.

[Funds not used to cover qualified expenses by the end of the calendar year will be forfeited] [Funds not used to cover qualified expenses by [DATE] will be forfeited.] [Funds in excess of [$610] not used to cover qualified expenses by the end of the calendar year will be forfeited, however your employer allows you to rollover up to [$610].]

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1 Contribution limits are subject to change and should be checked on an annual basis on the IRS website. Limitations apply.

2 See IRS publication 502 available at http://www.irs.gov/pub/irs-pdf/p502.pdf for information about eligible dependents and a list of qualified expenses. In addition, there may be legislation or additional publications that may modify or expand available qualified expenses. Please refer to your employers’ plan document for the latest list of qualified expenses under your plan..

Like most group benefit programs, benefit programs offered by MetLife and its affiliates contain certain exclusions, exceptions, waiting periods, reductions of benefits, limitations and terms for keeping them in force. Nothing in these materials is intended to be, nor should be construed as, advice or a recommendation for a particular situation or individual. Participants should consult with their own advisors for such advice. Federal and state laws and regulations are subject to change.