Flexible Spending – Human Resources

Maximize your resources while reducing your taxable income.

Open Enrollment Nov 14 – Nov 22, 2024

Medical Flex Spending Account maximum for 2025 is $3,300.00 annually.

Flexible spending elections begin on January 1 and will renew during the next flexible spending open enrollment, which is scheduled for November 14 – 22th, 2024. Please visit Hornet HQ to enroll.

Administration Information

Kalamazoo College is proud to partner with Burnham & Flower Group to offer Flexible Spending accounts to employees. A comprehensive overview of Flexible Spending Accounts is provided on the IRS Website for your review and consideration.

The Burnham & Flower Wealthcare Admin Portal can be accessed by navigating to https://bfgroup.wealthcareportal.com/Page/Home. After registering on the portal, real-time access to your flexible spending account can be maintained with BFG Mobile.

Your Burnham & Flower Group Employee ID number is your Kalamazoo College seven-digit ID number with leading zero(s). Example: 123456.

Your Burnham & Flower Group Employer ID is BFG13425.

The 2025 Medical FSA plan allows for a carryover of $660.00 or less to the next plan year if you have a balance December 31. The carryover amount will be posted to your account April 1 of the next plan year for use through December 31.

FSA Eligible Expenses

Acupuncture (excluding remedies and treatments prescribed by acupuncturist)
Alcoholism treatment
Ambulance
Artificial limbs/teeth
Chiropractors
Christian Science practitioner’s fees
Contact lenses and solutions
Co-payments
Costs for physical or mental illness confinement
Crutches
Deductibles
Dental fees
Dentures
Diagnostic fees
Dietary supplements with doctor’s letter of medical necessity
Drug and medical supplies (i.e. syringes, needles, etc.)
Eyeglasses prescribed by your doctor
Eye examination fees
Eye surgery (cataracts, LASIK, etc.)
Hearing devices and batteries
Hospital bills
Insulin
Laboratory fees
Laser eye surgery
Obstetrical expenses
Oral surgery
Orthodontic fees
Orthopedic devices
Oxygen
Physician fees
Prescribed medicines
Psychiatric care
Psychologist’s fees
Routine physicals and other non-diagnostic services or treatments
Smoking-cessation programs
Surgical fees
Vitamins with doctor’s letter of medical necessity
Weight-loss programs with doctor’s letter of medical necessity
Wheelchair
X-Rays

FSA Ineligible Expenses

Cosmetic surgery and procedures
Dental bleaching
Marriage and family counseling
Over-the-counter items, drugs, or medications that are not medically necessary or are not prescribed by your physician.
Weight loss programs for general health or appearance
Premiums you or your spouse pay for insurance coverage (Payroll-deducted premiums sponsored by your employer are eligible under the Premium Only Plan)
Long-Term Care Insurance does not qualify for reimbursement from a Health FSA. Long-Term Care Insurance can not be offered through a Cafeteria Plan.

Register for Flexible Spending Direct Deposit

Flexible Spending Direct Deposit

Name * Required
Telephone Number * Required
Email Address * Required
Name of Financial Institution * Required
Financial Institution's Telephone Number * Required
Routing Number (nine digits) * Required
Account Number * Required
Type of Account * Required
- Checking
- Savings
Acknowledgement * Required
I wish to be reimbursed via direct deposit for eligible flexible spending expenses. I hereby authorize Kalamazoo College to share my banking information with Burnham & Flower Group. I recognize that if I fail to provide complete and accurate information on this authorization form, the processing of the form may be delayed or my payments may be erroneously transferred electronically. I further understand that this information stays in effect until I submit a change or cancellation request. I consent to and agree to comply with the National Automated Clearing House Association Rules and Regulations that exist on the date of my agreement on this form or as subsequently adopted, or amended, or repealed.
Consent * Required
I have read the above important message and agree to the terms and conditions of Flex Spending direct deposit.

Looking for flexible spending for dependent care?
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Flex – Dependent Care

Subject: Important Security Changes to Your FSA Online Portal and Mobile App

As part of Burnham and Flower’s (BFG) continuing efforts to reduce the risk of fraud to you, they are making a change to the WealthCare Portal (WCP) and WealthCare Mobile (WCM) user registration process. The new process is intended to make registration easier and more secure. On November 11, 2023, they will introduce an additional identity verification step during registration that sends a one-time passcode (OTP) to an email address or phone number. OTPs are unique, randomly generated alphanumeric codes and are among the most widely used fraud risk protection measures across virtually all industries and a common feature of modern applications.

What do you need for OTP?

To enable OTP, all new registrants will need to have either an SMS-enabled phone number or email address on file with BFG, your administrator, before you can register and create a username and password on WCP or WCM. As a result, it is important that they have this information on record for you or you will not be able to self-register. If the participant attempts to login to WCP or WCM and they do not have an SMS-enabled phone number or email address on file, they will be prompted to contact BFG’s office for authentication.

How does it work?

Whenever a new participant attempts to register in WCP or WCM for the first time, BFG will send them an OTP via SMS to their phone or via email. The participant must input this code in the system to complete the registration process.

What if the participant does not have a valid email address or phone number on record?

Participants who have not provided a valid email address and phone number will not be able to self-register through WCP or WCM and will be prompted to call BFG’s TPA service department at 888-748-7966 ext. 3176 to authenticate their request and have that information added to their demographic record.

Please contact Courtney Rietkerk at 888-748-7966 ext. 3176 or crietkerk@bfgroup.com with any questions.