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Flexible Spending Account

The most popular flexible benefit plan, flexible spending accounts (FSA) allow employees to set aside pretax salary to pay for health care and dependent care expenses. Accounts are not portable and year-end balances are forfeited to the employer.

  • Easy to establish and administration
  • No employer contribution—account fully funded by the employee
  • Simple for employees to use, including FSA debit card

Sponsor Benefits

An FSA allows you to provide a highly valued employee benefit at little or no cost. Employees fund their accounts through payroll deduction, offering you a reduction in payroll tax. BB&T provides the following services through SHDR, a division of BB&T:

  • Plan design and enrollment assistance
  • Benefit communication, including participant video
  • Claims payment and administration
  • Compliance and government filings
  • Online account management

Participant Benefits

As a pretax benefit, an FSA allows employees to save up to 40% on eligible out-of-pocket health care and dependent care costs. Eligible expenses are easily paid using a prepaid FSA debit card. Online account access makes plan management simple.

  • Savings on health care and dependent care costs
  • Fewer claims to file with FSA debit card
  • Auto-substantiation of eligible expenses at participating merchants
  • Online account management

Online Account Access

Plans sponsors and participants have 24/7 access to account information and educational material online.

Sponsor Access


  • Enroll new participants
  • Update employee addresses and other personal information
  • View consolidated accounts
  • Generate reports
  • Find answers to common employee questions

Participant Access


  • Check balance and personal information
  • Submit claims and check claims status
  • Review lists of eligible expenses
  • Find participating pharmacies and other merchants
  • Get answers to common questions
  • Use tools and calculators

Get Assistance

By Phone

Call 800-866-2288 weekdays 8:30 a.m. to 5:30 p.m. ET.

By Email

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Flexible Benefit Plans

Enhance your benefits and save on costs.

Flexible Benefit Plans

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