What’s new for 2025
For the 2025 benefit year, Inspira Financial will replace FSAFEDS as the administrator of the Postal Service’s flexible spending account (FSA) program. You will have flexibility in how you pay for your out-of-pocket expenses including a new debit card option. You may:
n Pay yourself back with funds from your FSA when you use cash, a check, or your personal credit card.
n Pay your provider directly from your account.
Smart spending for life’s expenses
When you contribute to an FSA, the money is deducted from your pay on a pretax basis. This means your contribution comes out of your paycheck before federal, Social Security and, in some cases, state taxes are deducted from your pay. Generally, federal taxes range from 15 percent to 28 percent. Social Security tax is currently 7.65 percent of your pay. So, you could save about 30 cents on every dollar you spend on eligible expenses.
For example, if an employee has an annual salary of $60,000 and they decide to contribute $2,500 to a health care flexible spending account (HCFSA) and $2,000 to a dependent care flexible spending account (DCFSA), they could save about $1,350 on health care spending with their pretax FSA contributions.
Let’s go over the basics
Your Inspira HCFSA lets you put pretax money aside for eligible health care expenses such as contact lenses, allergy and pain relief medications, hearing aids, and prescription eyeglasses. Your Inspira DCFSA also lets you use pretax money for eligible expenses to care for your loved ones such as day care or in-home care.
INSPIRA HCFSA: Fund your Inspira HCFSA by simply setting your election amount each year during Open Season. The contribution amount you choose is deducted evenly out of each paycheck throughout the year. Your HCFSA isn’t just for the big medical expenses, it’s for the little things you might use every day. Eligible health care expenses include copays, coinsurance, deductibles, dental and vision expenses, prescriptions and over-the-counter health care supplies from select retailers. You may be surprised that things like sunscreen (SPF 30+), contact solution, and insulin are covered.
INSPIRA LPFSA: A limited-purpose flexible spending account (LPFSA) is like an HCFSA but is specifically for dental and vision expenses. Unlike the HCFSA, you can contribute to an LPFSA while being enrolled in a high deductible health plan and having an HSA at the same time. You can use the LPFSA for things like prescription eyeglasses, contacts, dental visits, and orthodontia.
INSPIRA DCFSA: When an eligible family member needs care, but you still must work, a dependent care account is a smart and convenient way to save, pay, and budget for dependent care-related expenses. Funds can be used for your dependent(s) age 12 or younger, a spouse, or adult dependent incapable of self-care.
Employees are encouraged to use all FSA Healthcare, Limited Expense Healthcare, and Dependent Care funds for the 2024 benefit year before Dec. 31, 2024.
How to enroll
n Go to liteblue.usps.gov, select “Sign In,” enter your employee ID and enter your password.
n Verify your identity with a security method. Enter your security code.
n Select the flexible spending account icon from the LiteBlue employee applications page.
n You will be redirected to the dedicated Inspira Financial page to complete your enrollment.
n The FSA enrollment application can also be accessed at myhr.usps.gov/pay_benefits/ benefits/flexible_spending_accounts/enrollment.
After you enroll
Activate your debit card.
You will receive an Inspira debit card for the new plan year a few weeks after Open Season ends. When you use your Inspira debit card, your expenses are automatically paid from your reimbursement account. It is important that you save your receipts and Explanations of Benefits in case you need to validate a purchase.
Create your online account.
An online account is a fast and easy way to check your balance, pay yourself back, manage your account, and sign up for alerts. Setting up and accessing your account is easy:
n Go to liteblue.usps.gov, select “Sign In,” enter your employee ID and enter your password.
n Verify your identity with a security method. Enter your security code.
n Select the flexible spending account icon from the LiteBlue employee applications page.
How to file a claim online
You can pay yourself back for eligible out-of-pocket health care expenses, or you can pay your health care provider directly from your online account. After logging in through liteblue.usps.gov, click “File a claim” on the homepage, under “Account Actions.” You’ll enter your claim details and choose how you want to send documents to Inspira.
To learn more about FSAs, go to myhr.usps.gov/pay_benefits/benefits/ flexible_ spending_accounts. If you have questions or need any help, contact Inspira Financial at 833-419-0305.
Customer service representatives are available Monday through Friday, 7 a.m. to 7 p.m. Central Time, and Saturday 9 a.m. to 2 p.m. Central Time.
If you have questions about your FSAFEDS account, go to fsafeds.gov or contact:
877-FSAFEDS (372-3337)
TTY Line: 866-353-8058
FSAFEDS benefits counselors are available Monday through Friday from 9 a.m. until 9 p.m. Eastern time.
866-643-2245 (toll-free)
650-577-5340
FSAFEDS Program – Claims
P.O. Box 14127
Lexington, KY 40512-4127
Log in to your online account and select “Contact Us,” then “Secure Message Center.”
