Eligibility
All Regular, U.S. NesCARE benefits-eligible employees (Hourly regularly scheduled to work 30+ hours or Salaried working 20+ hours, as defined in the NesCARE SPD)
Limited Purpose FSA
A Limited Purpose FSA (LPFSA) is for health care expenses and allows you to set aside money — tax-free. If you enrolled in the SureSAVER or HealthSAVER plan and elected the LPFSA, you’ll be able to pay for certain dental and vision expenses. If you met your medical deductible, you can use this benefit for medical and prescription expenses as well.
Contributions
You can contribute up to $3,300 in pre-tax money to your Limited Purpose FSA in 2025.
You can contribute up to $3,300 in pre-tax money to your Limited Purpose FSA in 2026.
If you don’t use your funds by December 31, your account stays open and up to $660 automatically carries over to the next year unless you term from Nestlé, in which case your funds are forfeited. You forfeit any unspent funds above $660.
Note: You may only change your contribution amount during the next Annual Enrollment period. You don’t have to re-enroll in an FSA/LPFSA for your funds to roll over.
Perks of the Limited Purpose FSA
The Limited Purpose FSA is available to use in full on the first day of the plan year. So, if you know you’re going to have dental or vision expenses, you can pay for them before any of your other account balances have built up. If you also have an HSA, you can use your Limited Purpose FSA for vision and dental expenses and let your HSA continue to grow.
Using the Limited Purpose FSA
You’ll receive an Optum payment card to use for your eligible expenses once you accept the terms and conditions during enrollment.
You should always keep your receipts in case you need to verify your expenses. In-network claims* are automatically reimbursed to you, the employee, if you don’t use your Optum payment card. This feature can be turned off for the year by calling Optum Bank at 1-800-243-5543. For any claims not automatically reimbursed, you can file a reimbursement claim on optumbank.com. Check your Limited Purpose FSA balance at any time and be sure your expenses are incurred by December 31 and submitted by March 31 of the following year.
You can also download the Optum Bank mobile app to your smartphone to make checking your balance or submitting receipts easy when you’re on the go.
Enroll in direct deposit for fast and convenient reimbursements.
*In-network claims include CareFirst, Aetna, Caremark, VSP, EyeMed and MetLife claims only.
FREQUENTLY ASKED QUESTIONS
No.
Not for an LPFSA.
Yes.
For 2025, you can set aside from $150 up to $3,300 (tax-free) to pay for eligible health care expenses.
For 2026, you can set aside from $150 up to $3,300 (tax-free) to pay for eligible health care expenses.
No.
You can only change this election during the Annual Enrollment period.
The following expenses are eligible:
• Dental care and orthodontia (e.g., fillings, X-rays, mouth guards, caps and braces)
• Vision care, including eyeglasses, contact lenses, solutions and supplies, and LASIK eye surgery
• Medical and pharmacy expenses after the HealthSAVER or SureSAVER deductible is met
• You can find a complete list of eligible expenses in IRS Publication 502.
Yes.
Everyone will receive two Optum payment cards for the Limited Purpose FSA, with the employee’s name on both cards. If you have a Daycare FSA (DCFSA), both accounts are on the same card.
If you don’t use your funds by December 31, your account stays open and up to $660 automatically carries over into the next year unless you term from Nestle, in which case your funds are forfeited. You forfeit any unspent funds above $660.
You can roll over up to $660 in unused funds into 2026.
Note: You don’t have to re-enroll in an FSA/LPFSA for your funds to roll over.
You can pay for qualified expenses with the Optum payment card.
In-network claims* are automatically reimbursed to you, the employee, if you don’t use your Optum payment card.
For any expenses not reimbursed, you can file a reimbursement claim on optumbank.com.
*In-network claims include CareFirst, Aetna, Caremark, VSP, EyeMed and MetLife claims only. This feature can be turned off for the year by calling Optum at 1-800-243-5543.
The entire amount you elect to contribute to your LPFSA for the year is available after January 1. You don’t have to wait for the funds to be deposited into your account.
Find more details on optumbank.com or view additional resources by clicking the “Are there additional resources to learn about using my account?”
There are several ways to view your balance.
Here are the steps to view your account balance and more.