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mdb's avatar

They benefit those who make more money. But I agree its a hassle. Using the debit card that may come with the FSA as a convenience actually means you lose the 5% rebate you could use with certain credit cards such as Target red card, or the Amazon for medical items. (and 1-2% for a regular rebate credit card) all to save in filling steps.

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frannyhelen's avatar

My FSA used a credit card, so no forms needed! I kept the fsa card on file at my pharmacy so the charges for prescriptions went right through the fsa account. Yes it is tricky to estimate how much you need each year; I generally underestimated and ran through my funds by November/December

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