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Dependent Day Care Flexible Spending Accounts (DCFSA)

A Dependent Day Care Flexible Spending Accounts can help you put aside dollars, income tax-free, for the care of children under 13 or for dependent adults who can’t care for themselves.

Save on care for your loved ones while you work

The Dependent Day Care Account is a welcome money saver for today’s working parents. It allows you to set aside pre-tax money for eligible dependent day care expenses so you can work.

The account may be used to cover eligible expenses like day care, before and after school care, summer day camp, nursery school and preschool costs, and elder care for dependent adults.

Since Dependent Day Care Account contributions are deducted from your paycheck before they are taxed, you save money by not paying any taxes on the amount you put into your Dependent Day Care Account.

Easy to use, easy to save!

  • Eligible Expenses: Dependent Care FSAs cover many family expenses, such as summer camps or during holidays and child care at a day camp, preschools, or a private nanny.
  • Mobile or online reimbursements: Reimbursements are made quickly and easily. Simply take a photo of your receipts and we will send you your reimbursement in a few days.
  • Service at all times: We are here for you 24 hours a day, 365 days a year, if you have questions.

We make it easy!

In addition to significant savings, your account also offers the convenience of easy reimbursement. You can also submit a payment request using your phone or online. Simply snap a picture of your receipts, and we will send your reimbursement within a few days.

Helpful Tools

DCAP Overview

What is a Dependent Care FSA?

Get the answers

Eligible Expenses

See what expenses are eligible with your account.

View now

Have questions or need help?

You can get support 24/7 at 833-881-8158.

Investments are not FDIC insured, are not bank issued or guaranteed by Optum Financial or its subsidiaries, including Optum Bank, and are subject to risk including fluctuations in value and the possible loss of the principal amount invested.

Self-directed mutual fund investment options are made available through the services of an independent investment advisor, or your plan sponsor. Discretionary advisory services are provided by Betterment LLC, an SEC-registered investment adviser, with associated brokerage transactions provided by Betterment Securities, Member FINRA/SIPC. For details and disclosures visit betterment.com. The Schwab Health Savings Brokerage Account is offered to certain account holders through Charles Schwab & Co., Inc., Member FINRA/SIPC. For details and disclosures, visit schwab.com. Brokerage services are offered to certain account holders through TD Ameritrade, Inc., Member FDIC/SIPC and a subsidiary of The Charles Schwab Corporation. For details and disclosures, visit tdameritrade.com.

Orders are accepted to effect transactions in securities only as an accommodation to HSA owners. Optum Financial and its subsidiaries are not broker-dealer or registered investment advisors and do not provide investment advice or research concerning securities, make recommendations concerning securities, or otherwise solicit securities transactions.

Health savings accounts (HSAs) are individual accounts offered through Optum Bank®, Member FDIC, or ConnectYourCare, LLC, an IRS-Designated Non-Bank Custodian of HSAs, each a subsidiary of Optum Financial, Inc. Neither Optum Financial, Inc. nor ConnectYourCare, LLC is a bank or an FDIC insured institution. HSAs are subject to eligibility requirements and restrictions on deposits and withdrawals to avoid IRS penalties. State taxes may apply. Fees may reduce earnings on account.

Flexible spending accounts (FSAs), dependent care assistance programs (DCAPs), health reimbursement arrangements (HRAs), Commuter and Parking Benefits, Tuition Assistance Plans, Adoption Assistance Plans, Surrogacy Assistance Plans, Wellness Benefits, and Lifestyle Accounts (collectively, “Employer-Sponsored Plans”) are administered on behalf of your plan sponsor by Optum Financial, Inc. or ConnectYourCare, LLC (collectively, "Optum Financial") and are subject to eligibility and restrictions. Employer-Sponsored Plans are not individually owned and amounts available under the Employer-Sponsored Plan are not FDIC insured. This communication is not intended as legal or tax advice. Federal and state laws and regulations are subject to change. Please contact a legal or tax professional for advice on eligibility, tax treatment, and restrictions. Please contact your plan administrator with questions about enrollment or plan restrictions.

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The promotional code OPTFSA7, OPTHSA5 and OPTHRA7 cannot be applied to previously placed orders, and cannot be combined with other promotional codes. Additionally, the code cannot be used for prescription drugs or virtual care visits. Promotional codes are not transferable or redeemable for cash or credit. To apply a promotional code you must enter it prior to completing the order.

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Your employer-sponsored plan may exclude reimbursement for certain categories of items. Check your plan document and summary plan description or contact your benefits department for specific coverage details.

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