MMC Benefits Handbook
Limited Purpose Health Care Flexible Spending Account
This section provides a summary of the Limited Purpose Health Care Flexible Spending Account Plan (the "Plan") as of January 1, 2023.
This section, together with the Administrative Information section and the applicable section about participation, forms the Summary Plan Description and plan document of the Plan.
The Limited Purpose Health Care Flexible Spending Account allows you to put aside money before taxes are withheld so that you can pay for certain eligible medical, dental and vision expenses that are not reimbursed by any other coverage you and your qualifying family members have.
Since you can't be covered by a traditional health care flexible spending account if you contribute to a health savings account, you have the option to participate in the Limited Purpose Flexible Spending Account. Unlike a traditional health care flexible spending account, the Limited Purpose Health Care Flexible Spending Account can be used in addition to the Marsh & McLennan Companies Health Savings Account.
The Limited Purpose Health Care Flexible Spending Account provides you two ways to help you pay for certain health care expenses:
- reimburse eligible dental, vision and preventive medical care expenses not reimbursed by any other health plan
- reimburse other qualified medical expenses, including coinsurance and copayments, incurred after you have satisfied the deductible applicable to you (that is, the individual or family deductible, depending on your level of coverage) under the Marsh & McLennan Companies $1,500 Deductible Plan or $3,000 Deductible Plan.
The Employee Retirement Income Security Act of 1974 (ERISA) is a federal law that governs many employer-sponsored plans including this one. Your ERISA rights in connection with this Plan are detailed in the Administrative Information section.