What is MERP? 

MERP is a Flexible Spending Account (FSA). It is a pre-tax account to use to pay for eligible medical, dental, and vision care expenses that aren't covered by your insurance plan. 

How Does MERP Work? 

  • Begin by estimating your eligible, out-of-pocket health care expenses for the upcoming year.
  • Use your estimate to enroll in MERP when you are first hired or during open enrollment.
  • The money you elect will be deducted from your paycheck on a pre-tax basis. 

Important Facts about MERP

  • MERP funds can be used for eligible out-of-pocket expenses for yourself and/or your dependents (spouse and eligible children).
    • Domestic Partners are not considered eligible dependents under federal law; therefore you cannot claim their expenses (unless they are a "qualifying relative"). 
  • The minimum annual amount is $240, and the maximum is $2,700.
  • You have access to your total annual amount for MERP on Jan. 1 of the plan year.
  • New participants will receive a MERP debit card (formerly known as Benny card) in the mail, which can be used for eligible expenses.
  • Up to $550 in unused funds will automatically be carried over to the next year.
    • Funds in excess of the $550 rollover limit are subject to the “use it or lose it” rule. 

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What are some examples of MERP-eligible expenses? 

  • Glasses
  • Asthma inhalers
  • Bandages
  • Lasik
  • Sunscreen
  • Acupuncture
  • Copays
  • Prescription medications

NEW in 2020:

  • Face masks (cloth and medical)
  • Over the counter medicines like:
    • pain relievers like aspirin and ibuprofen
    • antibiotic ointments
    • antihistamines
    • decongestants
    • eye drops
    • cough syrup
    • throat lozenges
  • Menstrual care products like:
  • Tampons
  • Pads
  • Liners
  • Cups
  • Review more eligible expenses

When can I sign up? 

  • Within 31 days of employment or eligibility, and
  • Every Open Enrollment period (Oct. - Nov.) you sign up for the following year. 
  • You can also change, end, or enroll during the year if you have qualifying events (new baby, marriage, certain job changes).

MERP Account

Access your MERP account through PacificSource. You are given a username and password upon enrollment.


MERP Forms

FSA MERP/DCAP Reimbursement Request Form

FSA Direct Deposit Form

FSA Letter of Medical Necessity Form

MERP Documents and Information

Guide to MERP

FSA MyFlex Online Claims Instructions


For more information: employee.benefits@multco.us, 503-988-3477.

PacificSource Administrators
Customer Service:  Toll Free 800-422-7038  --  http://psa.pacificsource.com/PSA/