• The Medical Care Assistance Plan (MCAP) allows members to pay eligible out-of-pocket medical, dental, prescription and vision expenses incurred during the plan year with tax-free dollars.
  
  
• The Dependent Care Assistance Plan (DCAP) allows members to pay eligible child and/or adult day care expenses incurred during the plan year with tax-free dollars.

Employees can enroll in MCAP (PDF 44 KB) or DCAP (PDF 42 KB) anytime during the year upon experiencing a qualifying change in status event that is consistent with enrollment. Employees enrolling in MCAP may elect to receive the FSA payment card and have eligible medical expenses automatically deducted from the account. There is a $20.00 non-refundable annual fee for the card. Although most transactions paid with the card do not need follow-up documentation provided, some transactions may. Those transactions that do require documentation will be indicated in blue on the monthly statement. Participants must submit the required document to FBMC with an FSA payment Card Transmittal Cover Sheet (PDF 31 KB).

Effective Date

The first day you are eligible to submit claims for MCAP or DCAP reimbursement depends on when you enroll in the program.

• If you enroll during the Benefit Choice Period (held during the month of May), your effective date is July 1st.
  
  
• If you enroll mid-year due to experiencing a qualifying event, your effective date is the first day of the pay period following the date the enrollment form was signed or the date of the qualifying event, whichever is later.

Eligibility Service Dates

• MCAP expenses can be incurred from your effective date (see above) through the last day of the "grace period." The "grace period" is the 2 1/2 month period following the end of the plan year. The last day of the grace period is September 15th of each year. The "grace period" only applies to MCAP expenses.
  
  
• DCAP services are only eligible for reimbursement when provided during the plan year (July 1 through June 30). Services provided after June 30th are not eligible for reimbursement. The "grace period" does NOT apply to DCAP expenses.

Claim Reimbursement

• MCAP accounts – the entire amount of your annual enrollment is eligible for reimbursement the first day of your eligibility.
  
  
• DCAP accounts – reimbursement is limited to the amount of actual funds in your account.

Reimbursement of an MCAP or DCAP account must be requested before the end of the run-out period, which is September 30th of each year. Participants can request reimbursement of eligible funds by completing the FSA Reimbursement Form (PDF 231 KB) and faxing or mailing to FBMC. Reimbursement may be direct deposited in your bank account by completing the application and faxing or sending to FBMC.