November is American Diabetes Month: How FSAs can help you save

If you're one of 34.2 million Americans with this diabetes, you know how much of a hole it can burn in your pocket. Undergoing lifestyle changes such as limiting your carb intake, taking medications, and monitoring your blood sugar levels is a lot for anyone, especially with the added expense needed to manage your condition.

According to the American Diabetes Association (ADA), those diagnosed with diabetes spend an average of $16,752 on medical expenses. And of that staggering amount, $9,601 are related to having the disease. You're looking at spending 2.3 times more a year than someone who isn't diagnosed with this condition. Do we hear a small cry of anguish coming from your wallet?

So how exactly can you keep your expenses down? An FSA can help you lower your medical expenses related to this disease. Let's take a look at all ways:

Monitoring your blood sugar
As diabetes is when you have too much blood glucose or blood sugar, is too high, either from not having enough insulin (Diabetes 1) or not being able to use insulin properly (Diabetes 2), the goal when you have diabetes to avoid blood sugar levels that are too high or low. The key? Is to maintain balance (American Diabetes Association).

You'll need to check insulin several times a day. When and how often will depend on the type of diabetes you have, and your course of treatment. You would work with your doctor to make a recommendation.

If you have type 2 diabetes, it's recommended to check your blood sugar several times a day. If you are taking insulin, it's generally recommended to check your blood sugar before meals and before you head to bed (Mayo Clinic).

Have type 1 diabetes? Then you'll need to check your blood sugar more frequently — we're talking anywhere from 4 to 10 times a day. This might be before and after a workout, before meals and snacks, before you go to bed, and during the night. In some cases, you might need to check if there's a change in your lifestyle or routine, such as taking new medications.

So what would you need in your toolkit?

Blood glucose monitoring system. A blood glucose system or the meter will check your levels whenever it's required by your doctor.

Glucose test strips. Test strips are an essential tool in blood glucose monitoring, and one of the most common recurring expenses. Thankfully, your FSA can cover them.

Normal control solution. A control solution, which often comes in a plastic bottle that resembles those for eye drops, can help you test your strips to make sure you're working and accurate.

Lancing devices and lances. And as you'll need a blood sample to test your glucose levels, a blood-sampling device such as a lancing device and lances to prick your skin will be needed.

Smartphone compatible glucose monitoring. If you're app-savvy, glucose monitoring systems where you download an app, and insert a reader that plugs into your phone do exist. In that case, you wouldn't need to carry around a clunky meter.

Guess what? All these items are FSA-eligible.


If you're diabetic and are part of the type 1 set, insulin intake is required. And in some cases, you'll need to take insulin for type 2 diabetes. You should take insulin to be timed with your meals, and in the same area of your body.

If your diabetes treatment plan requires that you take insulin several times a day, you'll need a handful of things:

Syringes. This is probably the most common way to get your insulin injections. And depending on how frequently you need to get an insulin intake, you could go through several syringes in a given day.

Pen injectors and pen needles. An alternative to syringes, pen needles have a cartridge filled with insulin. Like syringes, the insulin is injected through a needle.

Sharps container. To safely dispose of your pen needles and syringes, you'll need a sharps container.

Alcohol pads. Whether you're checking your blood sugar levels or doing a self-injection with insulin, keeping your skin clean and your equipment sanitary is of utmost importance. A thorough wipe with alcohol pads will do the trick.

Prescription medications. There's a long list of prescription medications your doctor might prescribe to keep your diabetes in check, from anti-diabetes pills to keep your blood sugars low to insulin treatment.

Vitamins and nutritional supplements

In addition to professionally prescribed medical treatment, you'll want to tend to a proper diet and physical exercise to maintain healthy glucose levels. While ideally you should get sufficient nutrition through what you eat, supplements can help fill the gaps in your diet. When you have diabetes, here are some vitamins to could boost your well-being:

Magnesium. Magnesium is a vital nutrient that helps regulate blood pressure. Taking magnesium supplements could help increase insulin sensitivity.

Vitamin B-1. Also known as thiamine, if you have diabetes you might be Vitamin B-1 deficient.

Glucose tablets. Is your blood sugar hitting dangerously low levels? A boost of sugar by way of glucose tablets could get levels back to normal.

While vitamins and nutritional supplements aren't typically FSA-eligible, glucose tablets are eligible, and some vitamins in narrow circumstances may be available for reimbursement with a Letter of Medical Necessity (LMN) to treat a specific medical condition. Check with your benefits provider on this.

The funds in your FSA could certainly help your budget for healthcare-related expenses such as treatment and monitoring your glucose levels.

Remember: The max amount you can contribute as an employee to your FSA in 2020 is $2,750. Unless you have a healthcare FSA with a carryover option or an FSA with a grace period, that money needs to be spent by year's end, or else you lose it.

Taking a holistic approach to your diabetes treatment and care, and planning wisely will help you make the most of your FSA money and keep your expenses down.

Thanks for visiting the FSA Learning Center! To stay on top of all FSA news that can affect your health and financial wellness, be sure to follow us on Facebook and Twitter.

Jackie Lam

Jackie Lam is a personal finance writer and is based in Los Angeles. Her work has appeared in Business Insider, Salon, Mental Floss, and GOOD. She is a candidate for the ACFPE® financial coaching certification.

Jackie is passionate about helping artists, freelancers, and gig economy workers with their finances. She has in-depth experience writing about budgeting, investing, frugality, money, and relationships, and loves finding interesting stories that revolve around money.

Got an at-home emergency kit? How your FSA/HSA can help

If 2020 has taught us anything, it's to be prepared — because the unexpected will happen. With raging wildfires and earthquakes in the West, hurricanes in the Gulf Coast, and tornadoes in the Midwest, you just never know when Mother Nature will strike with unyielding, destructive force.

And should you be short on cash or loss of income in your household, what can you do to create an emergency kit for your home? After all, it might be hard enough to cover your basic bills and day-to-day living expenses, let alone non-essentials.

No need to shake the proverbial money trees. Look no further than your Flexible Savings Account (FSA) or Health Savings Account (HSA). Let's examine the finer points of what your at-home emergency kit should contain, including both FSA eligible and ineligible items to explore how your FSA can help supplement your emergency prep.

Your At-Home Emergency Kit

When there's a hurricane coming your way at 200 miles per hour, you'll want to be well prepared. Here's what you'll need in your DIY emergency kit with help from the Red Cross:

Water. If you're evacuating, a three-day supply is recommended. If you're staying in your home but might lack resources or access to the outside world, then a two-week supply per person is recommended.

Food. Non-perishable items such as canned foods, energy bars, trail mix, and dried fruit are recommended. And these food items should not only be relatively healthy, but be easy to prepare. So no 20-ingredient gourmand dishes.

Feminine hygiene items. The 3/day or 2/week rule applies: If you're evacuating, have enough stocked up for three days. If you're going to be at home, then have at least a 2-week supply of sanitation and feminine hygiene items. Because of the CARES Act, starting this year feminine hygiene items are HSA and FSA eligible.

Personal hygiene items. Unless you're evacuating to an island in isolation, you'll want to include some supplies to get your grooming and hygiene in. Toothpaste, mouthwash, toothbrushes, and facial cleanser should be included in your kit.

First aid kits. First aid kits, which typically include bandages, antiseptics, gauze pads, tweezers, scissors, and an ice pack are eligible products.

Heating pad. Along with blankets, which can prevent shock and protect you from harsh elements, a heating pad can also alleviate any pain you might endure from injury. Heating pads are HSA and FSA eligible.

Eyeglasses. Without your eyesight, emergency scenarios would be far more challenging. It couldn't hurt to have an extra set of prescription eyeglasses should your go-to pair break during a hurricane. The funds in your FSA or HSA can cover the cost of prescription eyeglasses.

Prescription medications. It couldn't hurt to have at least a two-week supply of any prescription medications during a natural disaster. When preparing your emergency kit, note the expiration date, and rotate out your prescription drugs on the regular. You can cover the cost with your FSA/HSA.

Vitamins and supplements. While these aren't as imperative as, say, your eyeglasses and prescription medications, continuing to take your, say, Vitamin D3s and prenatal supplements no matter what the situation will keep you strong and your immune system healthy.

Hearing aids. The cost of hearing aids is no joke. According to Consumer Affairs, the average cost of a hearing aid can range from $1,000 to $4,000 per piece (and yes, hearing aids come in a pair).

If you'd ideally want a backup pair for your emergency kit, funds from your HSA or FSA could potentially cover the cost. If that's not something that you can reasonably afford, toss in some extra batteries for your hearing aids. And yes, those are eligible products, too.

Flashlights. A heavy-duty flashlight with a spare set of batteries are both mandatory items in your survival kit.

Equipment and supplies that are specific to your medical condition. You might want to take advantage of the money in your FSA or HSA to double-up on essential supplies for your survival and general well-being. For instance, if you have diabetes, stash away a box of glucose test strips. Struggle with high blood pressure? Toss in an extra blood pressure monitor. You get the picture.

Important Documents. Scan copies of any essential documents that you'll want to take along with you — this includes drug prescriptions, medical records, passports, Social Security cards, and the deed to your house.

Add-Ons for Your Wildfire Home Emergency Kit

A home emergency kit to prepare for a blazing wildfire includes pretty much everything that's included in a kit for hurricanes. However, you'll want to toss in the following essentials:

Respirator masks: As you'll be dealing with hazardous air quality during a wildfire, having the right mask is important. While respirator masks are currently ineligible under FSA rules, they are a smart buy if you live in an area that's prone to wildfires.

Inhaler. If you have asthma, stow away at least an extra inhaler. Your asthma might be triggered by poor air quality during a wildfire (Red Cross).

Add-Ons for Your Earthquake Home Emergency Kit

Fire extinguisher. As electrical wiring might go awry during an earthquake, a fire extinguisher can put out a small fire in your home.

Tap Into the Benefits of Your FSA or HSA

Whether it's a Flexible Savings Account (FSA) or Health Savings Account (HSA), that's money you already have stashed away. But budgeting wisely is a good bet so you can use your excess funds to build your emergency kit.

With that said, it's easy to get carried away when cobbling together supplies to assemble your emergency kit. First, check to see what supplies you might already have. Then, make a list of everything you need. Last, make a list of what you'd like to have, but aren't as essential. Do a quick search on our Eligibility List to see which items are qualified.

Ultimately, we get it. You'd much rather be reveling in whatever joy and pleasure you might be able to find in the current moment than getting wrapped into pouring resources to prepare for a what-if scenario. But as natural disasters could potentially strike at any time of the year, it's better to safe than sorry! Let this serve as a kick in the pants to put together your at-home emergency kit. Godspeed!

Thanks for visiting the FSA Learning Center! To stay on top of all FSA news that can affect your health and financial wellness, be sure to follow us on Facebook and Twitter.

Jackie Lam

Jackie Lam is a personal finance writer and is based in Los Angeles. Her work has appeared in Business Insider, Salon, Mental Floss, and GOOD. She is a candidate for the ACFPE® financial coaching certification.

Jackie is passionate about helping artists, freelancers, and gig economy workers with their finances. She has in-depth experience writing about budgeting, investing, frugality, money, and relationships, and loves finding interesting stories that revolve around money.

Living Well

Tips on How to Get Rid of Oily Skin

Notice an undeniable shine on your face when taking selfies for the Gram? Is it bad lighting? A glare from your phone camera's flash? Perhaps. Or it could be chalked up to oily skin. Sure, having oily skin can make you self-conscious.

Here's the thing: You're suffering in good company. Contrary to popular belief, it's not just teens who are impacted by oily skin and acne. (Those images of pimply-faced teens aren't reflective of the entire population that gets acne.) It turns out that acne affects a whopping 50 million Americans each year.

We'll go over what causes oily skin, the reasons behind why someone might have this skin type and offer a handful of pointers on how to stop oily skin, including some homemade remedies:

What Causes Oily Skin?
Oily skin occurs when our sebaceous glands overproduce sebum, which is a natural skin lubricant (NIH). Sebum is a waxy substance that keeps the skin hydrated and provides protection. While sebum is essential for healthy skin, too much can result in oily skin, clogged pores, and — you guessed it, acne.

Why Might Someone Get Oily Skin?

There are a handful of reasons why oily skin might flare up. These can be chalked up to genetics, environment, experiencing stress, or your age. For one, oily skin flares up during the warmer months and in humid climes. And as you age, you tend to have drier skin and less likelihood of having oily skin (Medical News Today).

Who Is Prone to Oily Skin?

Interestingly enough, males are at higher risk for oily skin. That's because they have a greater likelihood of having enlarged pores.

Females who are premenopausal and are ovulating, or have conditions with elevated androgens — think secreting tumors of the ovaries or adrenal glands, or congenital adrenal hyperplasia — are also more prone to oily skin. (NIH)

According to clinical studies, between 40 and 55 percent of adults aged 20 to 40 are diagnosed with persistent, low-grade acne and greasy skin. Per the Journal of American Academy of Dermatology, over half of women older than 25 have facial acne.

The Cost of Treatment

The good news is that getting rid of oily skin doesn't necessarily have to be expensive nor require trips to the dermatologist. You can do a handful of simple remedies you can implement without having to take prescription medication or seeing a doctor. Many of these proven methods are rooted in having a skincare routine and use over-the-counter ingredients — mostly simple and low-cost.

Let's take a closer look at how to get rid of oily skin from the American Academy of Dermatology:

Basic Skin Care Maintenance

If you're curious about how to reduce oily skin, it starts with a basic personal skin care routine. Sticking to a thorough regimen will prevent common skin ailments of oily skin from flaring up in the first place.

Wash your face regularly. First things first. Make a point to wash your face at least twice a day — in the morning and evening. You'll also want to wash your face after exercise. A sweat fest session could undoubtedly lead to clogged pores.

Avoid touching your face. While you might not be touching your face anyway because of COVID, it's good to know that touching your face can spread dirt, oil, and bacteria.

Choosing Skin Care Products

Look for skin products that are oil free. These are easy to spot. Look for skin care products with the phrases "noncomedogenic" or "oil free" on them. Oil free means they won't clog your pores.

Use a gentle, foaming face wash. Gentle is the key word here. What you want to steer clear of are facial cleansers that are oil-based or alcohol-based. While these products might seem more powerful or effective, they could also irritate your skin.

Use a moisturizer. You might be scratching your head, as it seems counterintuitive to apply a facial moisturizing treatment to your oily skin. It's key to keep your skin hydrated and healthy.

To kill two birds with one stone, consider a broad spectrum moisturizer that also has a SPF of 30 plus. UV rays are present even during overcast days, so wear your sunscreen, rain or shine.

Keep blotting papers on hand. Using face blotting papers throughout the day can keep excess shine to a minimum. You can purchase blotting papers online or at your local drug store for a few dollars. Look for one that works well for oily skin, is super absorbent and won't leave a powdery residue. Pro tip: Be careful not to rub the paper on your face. It will induce the spread of oil to other parts.

Makeup Tips for Oily Skin

Use oil-free makeup. Opt for water-based makeup instead. Why's that? Water-based makeup will be easier on your skin, especially if you're prone to breakouts. Plus, it won't contribute any additional grease to your face.

Remove makeup before going to bed. Going to sleep with your makeup still on could clog your pores and lead to acne flaring up. If you tend to neglect doing this every day, weave it into your bedtime routine. Do it right after you brush your teeth.

Try Over-the-Counter Remedies

You'll be pleased to discover that there is no shortage of home-based remedies you can try to prevent greasy skin and avoid clogged pores:

Tea tree oil. Tea tree oil is considered a very safe and effective topical treatment of certain skin conditions. For one, it has anti-inflammatory properties that can help with both reducing oily skin and acne. Besides being a natural antiseptic, tea tree also can serve as a natural astringent, which can fight acne and reduce pore size.

A 2016 study reveals that sunscreen with tea tree oil can help reduce greasy skin and decrease the size of pores. Tea tree oil can also decrease skin lesions. It's been proven that using tea tree oil can result in far less incidences with dryness, irritation, itching, and burning.

Salicylic acid. Using a store-bought cleanser that contains salicylic acid can aid in clearing up pores. You can also purchase salicylic acid in its pure form and try your hand at concocting your own cleanser.

Witch hazel. Another common home remedy for skin ailments is witch hazel. As a natural astringent, it can dry out acne lesions. Plus, it can help with the healing of blackheads, whiteheads, and non-inflammatory acne. Witch hazel is safe and can be found over-the-counter either online or at your local drugstore. Try mixing about 1 to 2 teaspoons of witch hazel with water.

Benzoyl peroxide. Benzoyl peroxide can be found in cleansers and gels. It combats acne by assisting the pores shed dead skin cells and remove excess sebum. What's more, it can also fight inflammatory acne — bumps that get red and swell up — by getting rid of bacteria living on your skin. (Healthline)

Exfoliate Your Skin
The benefits of exfoliating your skin are many: it can dig deep into your pores and remove dead skin cells. However, not safely exfoliating your skin can damage your skin, induce peeling or dryness.

Those with greasy skin should consider using a washcloth and mild chemical exfoliator. You might want to skip using a mechanical exfoliation method — such as using a brush or sponge — it could result in dark patches on your skin. You'll want to be gentle, so no excessive scrubbing, picking at existing acne or digging into problem areas. Last, use a moisturizer. (AAD)

Create a face mask using baking soda. Baking soda has antiseptic and anti-inflammatory properties. A face mask with baking soda can keep your skin dry and pores unclogged. To create a simple yet effective face mask, mix 1 to 2 teaspoons of baking soda with a gentle cleanser and warm water until it forms a paste.

To exfoliate your skin with baking soda, you can use the same formula as a face mask. The only difference is to wash it off right away. Because baking soda can dry your skin, follow up with a facial cleanser. (Medical News Today)

There is no one-size-fits-all approach to getting rid of greasy skin. How to reduce oily skin or and prevent your skin's oil from overproducing depends on the individual. There are a bunch of variables that come into play.

That being said, there are plenty of simple remedies using skin care products and ingredients that you can find over the counter. Your best bet is to explore your options. It might take a bit of trial and error, but the time you put into your skin care routine will help you reduce oily skin.

Thanks for visiting the FSA Learning Center! To stay on top of all FSA news that can affect your health and financial wellness, be sure to follow us on Facebook and Twitter.

About the Author:

Jackie Lam

Jackie Lam is a personal finance writer and is based in Los Angeles. Her work has appeared in Business Insider, Salon, Mental Floss, and GOOD. She is a candidate for the ACFPE® financial coaching certification.

Jackie is passionate about helping artists, freelancers, and gig economy workers with their finances. She has in-depth experience writing about budgeting, investing, frugality, money, and relationships, and loves finding interesting stories that revolve around money.


Flex-Ed: Using an FSA to cover medical costs for adults with disabilities

While it's fairly well-known that FSA holders can use the funds to pay for eligible medical expenses on adult children through the age of 26 (for FSA only) or who are tax dependents, what about adult dependents with special needs? Per the IRS, if your child is considered "completely and permanently disabled," you can claim your child as a dependent, regardless of age.

The definition of "disabled"

There are many accepted terms for people with special needs, but in the eyes of the IRS, "disabled" is still the term of record. Someone is considered completely and permanently disabled if they cannot engage in substantial activity due to a mental or physical condition; and it has been determined by a medical professional that the condition will last at least a year, if not for the rest of the person's life.

Use your funds to pay for qualified health expenses

If your dependent is a disabled adult, you'll be able to use your FSA funds to pay for eligible expenses, which might include: Special equipment, prescription medication, medical supplies, and doctor's visits. Money from your FSA can also be used to pay for long-term care insurance you might want to purchase for your adult dependent with special needs.

Dependent Care FSAs

If your employer provides you with the option, you can open a Dependent Care FSA (DCFSA). With a DCFSA, you can set aside pretax dollars to cover eligible expenses of a disabled dependent who is not able to care for themselves physically or mentally.

While the amount you can contribute to a DCFSA is ultimately set by your employer, the maximum set by the IRS is $5,000 for individuals and married couples filing jointly, and $2,500 for married couples filing separately.

Know your tax breaks

Besides claiming your adult child as a dependent on your taxes, there are a handful of tax breaks that come with dependents that have special needs:

  • An adoption credit for adopting a child with special needs
  • Earned Income Tax Credit (EITC), if you meet the other requirements
  • Child or Dependent Care Credit: If you hired someone to come to your home to care for your special needs dependent (not to be used in conjunction with a DCFSA)
  • A credit for attending medical conferences that relates to your dependent's medical condition

What's more, your adult dependent might qualify for the following deductions:

  • A higher standard tax deduction if you're legally blind
  • Certain disability-related payments might be excluded from gross income

Consider an HSA

While it's not typical for us to recommend as an FSA-focused site, in these situations, maybe an FSA isn't the right answer. Instead, it might be worth looking into a health savings account (HSA). These accounts have a handy triple-tax advantage:

  • Your qualified contributions are made with pretax dollars
  • Money in your account grows tax-free
  • You don't pay taxes on HSA funds used to pay for qualifying health care expenses

(Note: You can estimate how you can save on taxes with an HSA with our HSA Tax Savings Calculator.)

HSAs can only be funded if you have a high-deductible health plan (HDHP). The 2019 contribution limits for HSAs are $3,500 for those participating in the HDHP as individuals, and $7,500 for those participating as families.

As those with special needs have additional costs of living, such as special housing, medical devices and equipment, and higher medical expenses (i.e., more frequent and specialized doctor's visits, prescription medication), any tax savings from your HSA or FSA funds will come in handy. Plus, it'll help your dollar stretch farther.

Knowing how to make the most of the tax-free funds (from an FSA or HSA) to help pay for the health care costs of your special needs dependent will help you make the most of your money.


New to FSAs? Need a refresher course in all things flex spending? Our weekly Flex-Ed column gives you a weekly dose of FSA Living 101, offering tips for making the most of your tax-free funds. Look for it every Thursday, exclusively on the Learning Center.


Asked and Answered: How should I handle my FSA when going through life and career changes?

A little-known fact: Your entire year's worth of allocated FSA funds is available to you on the first day of the plan year. So, even if you've only contributed a few paychecks' worth so far, if you need to use the funds for a larger qualified expense, you're able to do so -- you'll just "pay back" the account over the rest of the year through your already planned payroll deductions.

This is a great perk for those situations. But, life isn't a straight line, and sometimes things happen -- unexpected expenses, relocation, etc. -- that can get in the way of your planning and budgeting. If your life doesn't always stay on the straight and narrow, check out these tips to stay on target.

Consider lifestyle changes

If you're relocating to a larger, more-expensive city, you want to take into account a higher cost of living. For instance, let's say you're uprooting from Springfield, Missouri, to Brooklyn, NY. As the cost of living is nearly double in the Big Apple, you'd need to increase your salary two-fold to enjoy the same standard of living. Even if you're getting a bump in pay, you'll want to create a spending plan accordingly.

(Please note: If you switch jobs -- and health coverage -- your FSA stays with your employer. Any expenses you had prior to leaving are fine, but these funds aren't transferable, and don't "come with you" if you switch jobs.)

If you're expecting a lifestyle change like a move, you might want to use the funds in the FSA to help pay for out-of-pocket medical expenses. This way, more of your take-home pay can go toward your living expenses. Need to spend more on rent, bills, transportation and food? Then use the money in your FSA toward qualified medical supplies and other out-of-pocket health care costs.

Stay on top of eligibility

It's always good to know what's eligible -- and it changes pretty often (our "New Arrivals" section is a pretty good barometer for what's up). Just because something isn't considered preventive medicine last year doesn't mean it doesn't fall under preventative medicine this time around. By knowing exactly what's eligible, you can put the money that would otherwise be sitting in your FSA to good use.

Divvy up your funds

Figure out what your medical expenses might be for you and your family for the rest of the year. Then allocate the money in your FSA accordingly. How you want to divvy up the funds is based on your personal situation and different needs for each season. For instance, when will you need to buy supplies for medical conditions, or over-the-counter medication during flu season?

"End-load" your spending

If you're unsure of how much you'll need to spend on medical expenses throughout the year, figure out ways to spend whatever's remaining in your FSA in the last months. The max your employer can contribute is $2,700 within a plan year. So, since you'll have access to the full year's allocation at the beginning of the plan year, you'll want to figure out how much you can reasonably spend through each month.

Remember: if you don't use it, you'll lose it. If it's deemed necessary, get Lasik, pick up new prescription sunglasses, or be prepared with necessary health-related supplies and equipment. The beauty of online shopping is you can figure out what your grand total is before you check out. Whereas if you shop in a brick-and-mortar drugstore, you can only best guess how much you'll be spending. It'll keep you within budget, and prevent you from going over your limit.

If your life is prone to change, take full advantage of the fact that the FSA funds provided by your current employer are made available from the start of the year. When life throws you a curveball, knowing what's eligible, assessing any changes in your financial needs and living situation, and creating a spending plan will ensure you spend all the money before the end of the year.


From FSA basics to the most specific account details, in our weekly Asked and Answered column, our team gets to the bottom of your most-pressing flex spending questions. It appears every Wednesday, exclusively on the Learning Center. And for the latest info about your health and financial wellness, be sure to follow us on Facebook, Instagram and Twitter.