RAVI

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  • Hey john, I am observing you for the past 2 days and you seems to be dull. Anything Serious?
  • Yeah Roshan. A lot of Medical expenses in my family and I can’t even save a single penny for my future.
  • Perfect. When don’t you opt for that?
  • This can be easily solved my dear friend. Did you hear about FSA?
  • Yeah i read it somewhere. A Health Care Flexible Spending Arrangement (FSA) is an employer sponsored benefit that enables employees to set aside pre-tax dollars out of their paycheck to pay for eligible health care expenses.
  • I just read it for the sake of CCP, But not clear on what actually it is.
  • Yes John. You can use these money for medical, dental expenses for you and your dependents. You can even buy medical or dental equipment as well
  • Yes John. You can use these money for medical, dental expenses for you and your dependents. You can even buy medical or dental equipment as well
  • Really, Is it true?
  • Wow. My wife has dental problems. So Can I opt this?
  • Don’t we have any other options for this?
  • Certainly. But only problem is, the amount will fade out at the end of the year if it is not used.
  • Yeah we do have. It depends upon the employer. You can carry forward certain amount say Rs.500 for the next year or you can carry forward the remaining card amount for the grace period of next 2 1/2 months. Either one you can opt for but not both.
  • Exactly. But at the end of the grace period, you will lose any money left over in FSA. Key thing here is planning.
  • Oh..! Like our vacation leave (Laughs)
  • Thanks a lot Roshan. Can we meet to discuss on this in detail?
  • Oh. This is what the caption says?
  • Sure, why not
  • Exactly . 'Use it or Lose it'.
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