Don't know if that's anything like an "FSA" (flexible spending account") where a certain amount gets withheld from each check and you can send in receipts for health-care related items in order to get a refund. That's what I have right now. I was a bit skeptical of it since I wasn't sure how much of a hassle it would be to get back the funds you put into it.
I found the advantage is that the money gets taken out of your check (and it's not taxable, so you get a little extra) like taxes, so when you get it back, it's kind of like extra money (sort of like a tax-return); at least that's how I see it. Of course, you could just choose not to have the extra money taken out, and then just use it whenever you do need to buy health-related items.
The disadvantage to me is that you actually have to go and send in the paperwork; something I was never fond of.
I found it to be not difficult at all to get the funds back; being pessimistic as I am, I had imagined they would nit-pick the receipts and give any reason possible for not giving the refund. I haven't encountered this at all. I think next year, I'll continue to do the FSA; maybe it's just me, but I like getting refunds like that, even if it was just money that was originally taken out of my check.
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