Pre-Tax Spending Plan

Flexible Spending Accounts (FSAs) let you pay for eligible out-of-pocket health care and/or dependent care expenses with pre-tax dollars.

How It Works

To participate in an FSA, you must elect an annual amount to contribute to your FSA each year. The annual maximum is $3,200 for a Health Care FSA, and the annual maximum for the Dependent Care FSA is $5,000. (If you are single, or married and file separate tax returns, the maximum for the Dependent Care FSA is $2,500.)
Your annual contribution amount is divided into the number of paychecks you’ll receive. Each pay period, your FSA contributions will be taken out of your paycheck on a pre-tax basis and deposited into your FSA(s).
You can then use the funds to pay for eligible expenses in 2025.

Eligible health care expenses include your medical plan deductible, copays and coinsurance, prescription drugs, dental care and more. To track your account balance and submit expenses, simply visit HealthSavingsAndSpending.MetLife.com. For your first-time login, click the “Create your new username and password” link.
Verify - or “substantiate” - the expenses you pay with your debit card. This brief video shows you How to Substantiate Your FSA Debit Card Transaction (players.brightcove.net/64298592001/ experience_62fbe3d884f72a0026b02b51/share.html).

Expense Details

Over-the-counter medications with or without a prescription and menstrual care products qualify for reimbursement under the Health Care FSA.

Eligible dependent care expenses include child care for dependents under age 13 or care for adults who are physically or mentally disabled and live with you.

For general questions regarding your Health Care FSA and Dependent Care FSA, please contact the MetLife Customer Service Center at 833-675-2831, Monday - Friday, 7 am-7 pm, CST (except certain holidays).

FSA Tips

Keep in mind that if you elect to put money in an FSA, it’s generally designed for you to spend on eligible expenses in that calendar year. Here are ways the plan gives you some flexibility.

To track your account balance and submit expenses, simply visit HealthSavingsAndSpending.MetLife.com. For your first-time login, click the “Create your new username and password” link.

How much should you contribute?

The FSA calculator can help you determine how to estimate your expenses and tax savings. Flexible Spending Account Calculator (wexinc.com/resources/benefits-toolkit/fsa-calculator/).

Your contribution should be determined by how much you anticipate in out-of-pocket expenses for the year and how much you can afford to have deducted from your paycheck.

Note: Since MetLife is not exclusive to ExxonMobil, refer to the ExxonMobil Pre-Tax Spending Plan Summary Plan Description for a list of covered expenses under the Health Care and Dependent Care FSAs.