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Savings and Spending Accounts

​Your IngredionRewards include several options for saving for future medical expenses as well as when your make purchases for your health needs.


Health Savings Account or HSA

If you enroll in the Health Savings Plan (HSP), Fidelity will mail a welcome kit to your home address with instructions on how to access any funds you have deposited into your HSA. You will also receive an e-mail or postcard from Fidelity with steps on how to complete the opening of your HSA. The opening/confirmation of your HSA account is done online at www.401k.com (NetBenefits). Once you complete the account opening process on NetBenefits, you will receive a debit card from Fidelity that you can use to pay for medical expenses directly from your HSA.

IRS maximum contribution for 2018: $3,450 (single coverage) - $6,850 (family coverage).

Note: Any funds left in your HSA each year remain in your HSA for future years.

 

HSA Tax Advantages
You can save money when you enroll in and use your HSA for eligible medical expenses! These accounts have tax advantages because you pay no taxes on:

  • Contributions you make to the account
  • Account interest or investment earnings
  • Money you withdraw to pay for eligible medical expenses​

 

 

 
Flexible Spending Accounts (FSAs) 

Ingredion offers two types of Flexible Spending Accounts – the Healthcare FSA (only available to participants in the Health Reimbursement Plan (HRP) or who waive medical coverage) and Dependent Care FSA. Healthcare and Dependent Care Flexible Spending Accounts are funded by your pre-tax payroll deductions.

Funds in a Healthcare flexible spending account can be used to pay for eligible out-of-pocket expenses for you and your family. Funds in a Dependent Care flexible spending account can be used to pay for eligible out-of-pocket daycare expenses. To learn more about healthcare eligible expenses and dependent care eligible expenses are eligible for reimbursement from your account, visit WageWorks. 

Money set aside in an FSA in a calendar year can only be used for expenses incurred within that calendar year.

Ingredion has partnered with Wage Works for Flexible Spending Accounts. Once a Flexible Spending Account is opened up for you, you will receive a healthcare debit card and a welcome kit with instructions on how to access any funds you have deposited into your FSA. Debit cards are not issued for use with a dependent care FSA.

Carryover Provision

You will be able to carry over up to $500 of your remaining Healthcare FSA balance into the following calendar year. There is no carry over provision for Dependent Care FSA.

 

COVERAGE SUMMARY
Account TypeMaximum Calendar Election (2018)
Healthcare FSA$2,650
Dependent Care FSA$5,000*

 

*dependent care maximum may be limited for highly compensated

  
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Fidelity Investments

1-800-835-5091
www.401k.com

  
How to Change Your HSA Contribution
HSA at Retirement
HSA Flyer
HSA Guide
HSA Resource List
HSA Transfer Assets to Fidelity
HSA Triple Tax Savings
​FLEXIBLE SPENDING ACCOUNT

WageWorks 

1 888 557 3156

myspendingaccount.wageworks.com

  
Dependent Care FSA Claim Form
Healthcare FSA Claim Form
Online Claims Guide_Card User
Online Claims Guide_Non Card User
Opt Out of FSA Auto-Reimbursement
SpendingAccount_EligibleExpenses_