Welcome to Ameriflex
Tax-Advantaged Spending Accounts
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Welcome Commonwealth of Massachusetts Members to Ameriflex. As of July 2026, Ameriflex is the provider for the Healthcare Flexible Spending Account (FSA) and the Dependent Care Account (DCA).
Flexible Spending Accounts are tax-advantaged benefits that help you pay for eligible healthcare and dependent care expenses using pre-tax dollars. By contributing to a tax-advantaged spending account, you can reduce your taxable income and make the most of your benefits. Starting Mid-June you can access and manage your account by registering in the Ameriflex Participant Portal. Once registered, you can review account activity, track transactions, update your information, and submit reimbursement claims—all in one place.
Active state employees who are eligible for GIC benefits may enroll in a Flexible Spending Account and/or Dependent Care FSA Account for the upcoming plan year (July 1, 2026 – June 30, 2027) during Annual Enrollment. Even if you are enrolled in one or both FSAs this year, you must re-enroll if you wish to participate in Fiscal Year 2027 (July 1, 2026 – June 30, 2027).
New state employees and employees who experience a qualifying event during the year may enroll in an FSA for partial-year benefits. For the Healthcare FSA, new hire participation begins at the same time as other GIC benefits. For the Dependent Care FSA, participation begins on the first day of employment.
Note: You will be unable to register for the Participant Portal until closer to your plan year start of 7/1. At a later date, you will receive a notification when your Ameriflex Debit Mastercard® is issued, with instructions on how to register for the portal. Please do not attempt to register for the portal before then.
Registering your account is simple. You will visit the Ameriflex Participant Portal login page, select the New User Registration link in the lower right corner, and follow the prompts to create your account. If you have received your Ameriflex Debit Mastercard®, you can select the Enter your Ameriflex Benefits Card Info option and verify your identity by entering your card details to speed up registration.
For detailed instructions on how to register your account, visit our Help Center.
Flexible Spending Account (FSA Previously HCFSA)
An FSA helps you manage both planned and unexpected out-of-pocket healthcare expenses using tax-free dollars. From routine health needs to unplanned medical costs, an FSA provides a reliable way to budget and save on care throughout the year.
When you enroll, you select how much you want to contribute, from $250 to the annual IRS contribution limit. While your contributions are deducted from each paycheck over time, your full annual election is available at the start of the plan year, giving you immediate access to funds when you need them most.
You can use your FSA funds for a wide range of eligible medical expenses not covered by insurance. This includes expenses for yourself, your spouse, your dependents, and any individual who qualifies as a “health plan tax dependent” under IRS guidelines.
FSA Contribution Limit: $3,400
Eligible Expenses
Your FSA funds can pay for expenses such as:
- Deductibles
- Copays
- Prescriptions
- Orthodontia
- Teeth cleaning
- LASIK
- Glasses and contact lenses
- Band-aids
- Sunscreen
- Over-the-counter medicine
- Feminine menstrual care
Relevant Links
Dependent Care Account (DCA Previously DCAP)
A DCA helps you pay for essential care services—such as daycare, preschool, and elder care—using pre-tax dollars, making these everyday expenses more affordable while lowering your overall taxable income. When you enroll, you can contribute up to the annual IRS limit. Unlike a Healthcare FSA, however, DCA funds are available only as they are contributed through your payroll deductions, rather than upfront at the start of the plan year. To simplify reimbursement for ongoing care expenses, you have the option to set up a recurring dependent care claim at the beginning of the year, allowing you to receive automatic reimbursements each pay period and reducing the need to submit repeated claims for regular services.
DCA Contribution Limits:
For single taxpayers OR married couples filing jointly: $7,500
For married couples filing separately: $3,750
Dependent Care Criteria
Your DCA can be used to pay for eligible childcare and dependent care expenses for children under the age of 13 or dependents who are physically or mentally unable to care for themselves. To qualify, both you and your spouse must be working, actively seeking employment, or enrolled as full-time students. In addition, reimbursement amounts cannot exceed the earned income of you or your spouse—whichever is lower.
Eligible Expenses
DCA funds reimburse you for care that allows you to work, attend school full-time, or search for employment, helping you manage essential care costs while maintaining your daily responsibilities. Your DCA funds can pay for expenses such as:
- Tuition for a licensed daycare facility
- Preschool and nursery school
- Before-school and after-school programs
- Elder care
- Summer day camps
- In-home dependent care or nanny services
You may also refer to our DCA Eligible Expenses list, a more complete resource on which expenses may be eligible or ineligible.
Relevant Links
▶ Set Up a Recurring Dependent Day Care Claim ▶ What Expenses are Eligible for a Dependent Care Account (DCA)?
Grace Period
September 15th: Incur Claims up until this date
October 15th: Submit your claims incurred through 9/15 claims
How to File A Claim
Your Ameriflex Debit Mastercard® is the easiest way to pay for eligible FSA and DCA expenses. When you use your card at checkout, the transaction is processed as a claim, allowing you to access your funds instantly without additional steps. If you’re unable to use your debit card, you can still pay for expenses out of pocket and request reimbursement online via the Ameriflex Participant Portal or by completing and submitting a Spending Account Claim Form. You can choose to reimburse yourself directly or have payments sent to your provider, whichever you prefer.
Unused FSA and DCA Funds
The GIC’s FSA plans have a 2.5 month grace period, with an additional month allowed for claim submissions. This means that you will have until September 15 to incur claims (based on date of service) for a plan year that ended on June 30. You will then have until October 15 to submit those claims for reimbursement. During the grace period from a previous year, if there is also an election for the current year, any available funds from the previous year will be used first to pay for qualifying claims on both FSA plans.
Members may still add, change, or stop participation in either or both FSA plans in response to a qualifying life event, such as marriage, divorce, birth of a child, change in employment, or (DCA only) change in childcare provider. You can enroll in a Healthcare FSA for as little as $250 or as much as $3,400/year. You can enroll in a Dependent Care FSA for as little as $250 and as much as $7500/year (or $3,750 if married and filing separate tax returns).
Forms & Additional Resources
Below you will find additional resources for Participants and CIG Coordinators.
Contact
For additional assistance or more information, you can email us at: service@myameriflex.com
For more contact options including Live Chat, please visit our Contact Page.