Flexible Spending

Save Money on Healthcare and Dependent Care

McGriff Flexible Spending Accounts (FSAs) are a way to pay health care and dependent care expenses you would normally pay out-of-pocket but with a tax savings. Your contributions to these accounts are tax-free, saving you money on federal and in most cases, state and local income taxes. Employees who wish to participate must enroll in the FSA every year. FSA elections do not roll over from one year to the next. If enrollment is not completed during open enrollment, there will be $0 contributions for the following year. 


Flexible Spending Accounts Coordinated by:

McGriff Insurance Services 

Customer Service:

1 (800) 930-2441

Member Portal: 


Fax a Claims Submission:

1 (252) 293-9048

Medical FSA

The Medical FSA is used for eligible out-of-pocket expense for healthcare, prescription, dental and vision expenses.

  • For a list of eligible expenses, visit McGriff’s eligible expenses list here
  • Annual contribution limit: $2,750

Dependent Care FSA

The Dependent Care FSA is used for eligible dependent care expenses. These include daycare and summer camps.

  • Expenses for children under age 13 or elderly parents
  • Annual contribution limit: $5000

How It Works 

  • Decide how much you want to contribute to one or both FSAs for the calendar year.
  • Pre-tax contributions are withheld from your pay in equal amounts over the calendar year.
  • Use your FSA debit card to pay for healthcare expenses or file a claim online for reimbursement. The FSA debit card works like a credit card and provides immediate access to your account contributions. Approved expenses may be automatically deducted from your Benefits Access card at the time of service. Save receipts as you may have to submit them to McGriff to verify some services received.

Plan Carefully! 

Money left in your FSA at the end of the grace period is forfeited and cannot be returned to you. This is called the “Use it or Lose it” rule. You must incur eligible expenses by December 31 and submit them for reimbursement before March 31, 2021.

How To Use FSA Funds 

  • Debit Card:  Use your Benefit Access Visa® Debit Card for easy payment to the provider. The card gives you immediate, electronic access to funds stored in your health care or dependent daycare accounts and can be used at stores (pharmacy, big box store, or supermarket) where FSA-eligible items can be identified at checkout. Using your Benefit Access Visa® Debit Card eliminates the need to file claim forms; however, itemized receipts may need to be submitted, if requested.
  • File a Claim: You may file a manual claim electronically by using the member portal (www.mcgriffinsurance.com/flex) or through the Benefit Access Mobile App on your Apple or Android smart phone. You will simply complete the claim form, take a picture of your receipt and upload both through your phone.

Account Access 

  • Online:  www.mcgriffinsurance.com/flex view account balance and claim history, sign up for direct deposit, file a claim, or use the tools and support tab for links to helpful information.
  • Mobile App: McGriff Insurance Services Benefit Access App is available for Apple and Android users. You can view your account balance and claim history, file a claim, take a picture and upload receipts, and receive text alerts. Download the app at the Apple App Store or Google Play. Log in using the same password you use to access the Flex website.

Helpful Tips 

  • Review Eligibility Before Purchase - Review the list of eligible expenses here or contact McGriff customer service team at 1-800-930-2441.
  • Hang on to Your Receipt - Make sure you get an itemized receipt for any service or procedure you might submit for reimbursement. Upload it via your McGriff Insurance Services Benefit Access App so you don’t lose track of it, or hang on to it until after your reimbursement has been processed
  • Submit the Proper Documentation - This includes: the date the expense (incurred not paid), the name of service provider, description and the cost of service. Some expenses require a Letter of Medical Necessity (LMN). Check with McGriff for what is required. 


Why was my card declined?

There are a few different reasons your FSA debit card was declined. Some or all of your purchase items are not FSA-eligible (check what’s eligible) or your purchase amount exceeded your available balance (log in to check your balance).

Your card would also be declined if your plan year has ended or your account has been suspended. Log into your FSA dashboard to review your plan details or any actions that need your attention. 

If you ended up paying out-of-pocket for any eligible items and have sufficient funds in your account, you can submit a claim for reimbursements from your FSA dashboard.