The Calendar is Getting Thin – Remind Employees to Spend Flex Dollars and How!


As the leaves start to turn and we wear warmer clothes to football games, it is time to remind our employees if there is a flexible spending account in place, to look at their balance and make sure they are able to spend it before they lose it.

If they do not have any regular expenses that they are spending it on offer these as options to spend down their dollars:

  • Is it time or past time for a preventive dental visit? If there is not 100% preventive dental coverage, this would be a great way to spend.
  • Can an employee purchase glasses or more contact lenses? Even if they can only buy 6 months worth, it is yet another way to spend.
  • How about an eye exam? They typically cost about $99 for an exam with contact lens check.
  • We cannot spend flexible spending dollars on over the counter medications, but contact solution, band aids, medical kits for the kids’ cars are all things that can be purchased.

To remind employees, place a notice in a paycheck, send out a company wide email, or discuss at management meetings. All of us work hard for our paycheck and we certainly don’t want to leave money ‘on the table’.

If you have read to here and don’t know what a Flexible Spending Account is, I can help. A flexible spending account is a part of the IRS under Section 125 allowing employees the opportunity to budget money out of their paycheck pre-tax to spend on approved medical items. As of 2016, the federal government allows a maximum of $2,500 contribution per calendar year. If an employee contributes the maximum, they are saving approximately 30% or $750 in state and federal tax. In addition, there is a separate section for dependent daycare to an annual maximum of $5,000 a year.

If you haven’t implemented a Flexible 125 plan, give Health Insurance Advisor a call. We could certainly assist with the education for employees – expressing the value of contributing!



Janis VanAhn
Health Insurance Advisor, LLC
p. 515.225.9994


A little more about us:
The Business Warrior group has some of the industry’s top experts in all the areas your business needs to be successful. Amongst the contributors is Janis VanAhn, owner of Health Insurance Advisor, LLC. For 19 years Janis has worked in and around the health insurance industry initially providing service to agents and employers related to employee benefits, individual healthcare and Medicare, while more recently becoming appointed as an individual agent with various quality carriers to provide this service to individuals through her own business.

Four years ago Janis was ‘blessed’ with being let go from her job at an insurance ageny. Staying within insurance was her path…but in what capacity. 2010 was the year Janis began her career as an independent insurance agent specializing in health insurance. Finding quality, cost-effective healthcare for individuals and families under age 65 as well as working with those who are Medicare eligible truly was her passion. She has made this a true specialty and positioned herself as someone to work with whether it is a financial professional or property & casualty agent with a client that needs assistance, to a group of seniors turning 65 and they keep receiving Medicare information and are confused about what to do.

Janis enjoys the one on one contact with clients as well as looking forward to speaking to groups about healthcare. Her excitement for this industry is what drives her to stay in tune with Healthcare Reform and what is currently happening and what will happen with coverage from now to past 2014.

‘Educating individual and Medicare consumers to make informed choices’ is her mission because if people are educated and understand, they will make informed choices that they are comfortable with.

Get to know Health Insurance Advisor, LLC and Janis Van Ahn by visiting the website, or contact her with your questions to find a solution.

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