Manage your dependent care flexible spending account (DCFSA) claims

 A dependent care flexible spending account (DCFSA) is a smart way to save on eligible child and dependent care expenses using pretax dollars. But to make the most of it, you need to know how to use it, especially when it comes to submitting claims. 

With a DCFSA, you typically pay for services out of pocket, then file a claim to get reimbursed. This involves: 

• Knowing what expenses are eligible: Expenses like daycare, preschool and after-school programs typically qualify.
• Gathering the right documents: You need itemized receipts or provider statements that include specific information.
• Submitting claims correctly: Be sure to enter all requested information and/or upload documents directly.
• Staying on top of your claims: You can check on your claim status online and sign up for alerts in case additional action is needed.

To get started, sign in to your account, then navigate to the claims section. Select the “reimburse myself” button, then fill in the requested information. If you want to file by mail, you can. Simply download the form you need, then fill it out and mail it.  

Avoid DCFSA reimbursement delays by providing correct information 

Providing all required details is the best way to get your claim approved and paid faster. It must include:

1. Name of the service provider
2. Name of the person who received the item/service
3. Description of service
4. Date of service (not the date payment was made)
5. Amount charged (not amount paid) 

Once you’ve entered all requested information and/or documentation, review your claim carefully, then submit it for reimbursement. To track the status of your DCFSA claim, sign in to your account. Once your claim is approved, you’ll get funds fast — typically 2 to 4 days for direct deposit and 7 to 10 days for a paper check. 

Pay providers directly and skip the DCFSA reimbursement process 

If you prefer, you can skip the reimbursement process. Simply use your DCFSA payment card to pay for eligible services quickly and securely online. Just be sure to save your receipts in case documentation is requested.

Wondering how much is in your DCFSA? Just sign in to your account using your computer or the Optum Bank app to see available funds. You can also:

• Activate or replace your DCFSA payment card.
• Report a lost or stolen card.
• Track where and how your card has been used.
• Access tools and educational resources.

Want to learn more?

For more information about DCFSAs and to explore other FSA options, visit our flexible spending account page.