How to Communicate FSA Benefits to Different Employees

December 20, 2018

Flexible Spending Accounts (FSAs) are popular consumer-driven health plans, with an estimated 30 million accounts open in 2018. The pre-tax savings different types of FSAs are easy for everyone to embrace! However, what interests employees in an FSA and how you communicate the benefits and guidelines to them may vary based on their age demographic.

Keep reading to learn tips on how to communicate your FSA. And complete the form below to get your free guide, that will give you more information on FSAs and other popular benefits plans.

Baby boomers

Baby boomers, who are born between 1946 and 1964, have one eye focused on a secure future. They’re not looking to take too many risks with their finances at this stage of life, since it’s expected that around 70 million baby boomers will be retired by 2020. Security is a high priority, which is why they’ll appreciate knowing that all FSA funds are available on the first day of the plan year.

Baby boomers are also characterized by their desire to achieve. Sharing tools, such as our FSA Calculator and FSA Tax Savings Calculator, will help them see the potential of an account before enrolling in one.

Generation X

Generation X includes anyone born between 1965 and 1980, meaning this group could include parents and grandparents, so their needs are wide-ranging. Medical FSAs cover a variety of expenses this age demographic may need for healthcare, including copays, surgeries, physical therapy and even a few expenses that might surprise them.

This particular generation is also familiar with both digital and traditional communication. Generation Xers actually outpace millennials in tablet ownership by 10 percentage points. An innovative mobile app and online account let these participants file claims, submit documentation and view statements in a number of ways. We also provide an Eligible Expense Scanner within the Benefits Mobile App by Discovery Benefits, letting participants easily determine the eligibility of an expense by scanning its bar code.


Millennials, who were born after 1980, want results fast! Because an FSA’s funds are available on the first day of the plan year, offering this type of plan meets their liking for instant gratification. And Dependent Care FSAs are a smart savings tool for your millennial-aged employees, who might be at the age when they’re starting families. With a Dependent Care FSA, your employees can save money on eligible daycare expenses for children up to age 13.

If they have a Dependent Care account, they can enroll in recurring reimbursement and only have to fill out one form per year per each daycare provider used. Plus, documentation for claims for any type of FSA is easy to upload through the mobile app. And offering a debit card with your Flexible Spending Account allows them to tap into their funds faster. That’s because our debit card automatically approves purchases for any eligible expenses purchased at merchants with an Inventory Information Approval System (IIAS).

Do you have more questions about offering an FSA to your employees? Complete the form above for your free guide to learn more about these accounts and other benefits offerings. 

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