Health Account Solutions Resource Hub

Limited Purpose Flexible Spending Account

Use pre-tax dollars to pay for out-of-pocket eligible dental and vision expenses not covered by insurance.

A Limited Purpose Flexible Savings Account (FSA) can help you manage your dental and vision expenses.


A Limited Purpose FSA is a tax-advantaged account that allows you to put aside pre-tax dollars to help pay for eligible expenses that you, your spouse, and your eligible dependents up to age 26 incur, even if they’re not enrolled in your dental and vision coverage.

Limited Purpose FSAs are often used along with a Health Savings Account (HSA). You should consider a Limited Purpose FSA if you’d like to let the funds in your HSA grow, while still using pre-tax dollars to pay for eligible vision and dental expenses incurred while you’re participating in the plan.

Estimate how much you can save with an FSA with this calculator.

What types of expenses can I use my Limited Purpose FSA for?

Limited Purpose FSAs can be used to pay for a variety of eligible expenses, including but not limited to:

  • Dental and orthodontic expenses: Dental office visits and co-pays, cleanings, dental X-rays, braces, fillings, dentures, bridges, and crowns
  • Vision expenses: Eye exams, prescription glasses, contact lenses, eyeglasses, and LASIK

For a listing of Limited Purpose FSA eligible expenses visit The Complete FSA Eligibility List™ and select Limited Purpose FSA from the drop-down menu or reference IRS Publication 502.

Additional details

Each year, the IRS sets a limit on how much you can contribute to a Limited Purpose FSA. Your employer may also set alternate limits.

You decide how much you want to contribute for the year, up to the contribution limit.

Then, you’ll fund the account with equal, tax-free deductions from each paycheck.

On the first day of your plan year, you’ll have immediate access to the entire amount of money you chose to save, before you even start contributing.

Keep in mind that IRS rules make FSAs “use it or lose it” accounts. The IRS requires that funds you set aside pre-tax in the account be used by the end of the plan year, or you forfeit the funds. Be sure to estimate your predicted expenses for the year carefully.

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What are the current IRS contribution limits for Limited Purpose FSAs?

View the annual IRS Contribution Limits.

Do all FSA funds need to be utilized by the end of my plan year?

IRS rules make Limited Purpose FSAs “use it or lose it” accounts. The IRS requires that funds you set aside pre-tax in the account be used by the end of the plan year, or you forfeit the funds.


Some Limited Purpose FSAs offer a grace period, which allows extra time to spend your funds. And some plans have a rollover option, which would allow a defined amount of the remaining balance to roll into the new plan year.

Can I use my FSA to pay for dental and vision expenses for a spouse or dependent?

Yes, you may use your Limited Purpose FSA funds to pay for eligible dental and vision expenses for yourself, spouse, and your children up to age 26, even if they are covered under another health plan. Please consult a qualified tax advisor for guidance.

Will I receive a debit card with my FSA?

You will receive an initial set of two debit cards, and you may request additional cards ̶ or cards in your dependents’ names ̶ at no cost.


You can quickly and easily access your funds using your FSA debit card. You can use the card to pay for eligible expenses at the point of purchase and to pay a provider at the point of service. You can also use the card as a payment method for mail-order pharmacy purchases, and when paying provider invoices.

Be sure to keep your receipts for any eligible purchases — even when using your debit card to pay. IRS rules require documentation to confirm that an expense is eligible to be paid through your FSA. Receipts make it easy for you to reimburse yourself or provide documentation for a debit card purchase.

In addition to accessing FSA funds using your debit card, you may also request payments and/or reimbursements from your account using the Customer Portal or mobile app.

If I use my own funds, can I be reimbursed?

Yes, you can easily file a claim for reimbursement through the portal, mobile app or online claim form. To get your reimbursement faster, you can provide your bank account information in the Customer Portal or mobile app, for convenient direct deposit. 

Will I need to submit documentation for my FSA purchases?

Yes, IRS rules require documentation to confirm that an expense is eligible to be paid through your FSA. 


You typically need to submit a receipt or other documentation to support a claim for reimbursement from a Limited Purpose FSA:
  • Itemized receipt: You can submit an itemized receipt for each claim you want to make. The receipt must include the patient’s name (if applicable) and the 4 D’s: Dollar amount paid, Doctor (or provider or merchant) name, Date of service, Detailed description of service.
  • Explanation of Benefits (EOB): You can submit an EOB from the medical, dental or vision insurance carrier that processed the claim for eligible medical services.

You should save receipts and documentation for all expenses and services, even if you paid with your Voya debit card. Voya may need to review a receipt to confirm the debit card purchase was for an eligible expense, or in the event of an IRS audit.

What do I do if my debit card declines or doesn’t work?

First, ensure you have activated the card and have available funds for use. You can confirm your card status and balance information within the Customer Portal.

Once I request reimbursement, how long does it take to receive funds?

It can take as little as 3 business days for the reimbursement to be posted if you have linked your bank account for direct deposit. However, a check can take up to 7 business days to arrive. Reimbursement is dependent on whether the claim documentation is approved.

I requested a paper check for the payment/reimbursement of an eligible expense, and it wasn’t received. How can I request a replacement?

If it has been more than 14 days since the check was issued to you, or more than 30 days if the check was issued to your provider, you can submit a request for us to void the check and re-issue a new one. Access the Void & Reissue Request form.

Who can I contact regarding FSA questions?

Contact the Voya Health Account Solutions team at (833) 232-4673 or [email protected].

The FSA Store is not affiliated with the Voya® family of companies.

Flexible Spending Accounts offered by Voya Benefits Company, LLC (in New York, doing business as Voya BC, LLC).  

This highlights some of the benefits of a Flexible Spending Account. If there is a discrepancy between this material and the plan documents, the plan documents will govern. Subject to any applicable agreements, Voya and its subcontractors reserve the right to amend or modify the services at any time.

The amount saved in taxes will vary depending on the amount set aside in the account, annual earnings, whether or not Social Security taxes are paid, the number of exemptions and deductions claimed, tax bracket and state and local tax regulations. Check with a tax advisor for information on whether your participation will affect tax savings. None of the information provided should be considered tax or legal advice.

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