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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), you'll complete the Fidelity account opening acknowledgement.  Once complete and account is opened, Fidelity will mail a welcome kit to your home address with instructions on how to access any funds you have deposited into your HSA. The opening/confirmation of your HSA account is done online at (NetBenefits). Once you complete the account opening process, 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 2020: $3,550 (single coverage) - $7,100 (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 Discovery Benefits. 

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 Discovery Benefits​ 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. 

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.


Account TypeMaximum Calendar Election (2020)
Healthcare FSA$2,750
Dependent Care FSA$5,000*


*dependent care maximum may be limited for highly compensated employees

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Fidelity Investments

1 800 835 5091

HSA at Retirement
HSA Flyer
HSA Guide
HSA Resource List
HSA Transfer Assets to Fidelity
HSA Triple Tax Savings

Discovery Benefits​ 

 ​​​1 866 451 3399


Discovery Benefits Contact Sheet