Flexible Spending Accounts.

Flexible Spending Accounts.

Is anyone familiar with Flexible Spending Accounts? If so, have you ever had one? How do you like it? I just started a new job that offers this (would work for both myself and my husband) and am seriously considering it. I am in very poor health requiring doctor's visits two-three times weekly. I'm on 4 daily prescriptions and several other "as neededs", not to mention the two prescriptions my husband is on. Our insurance is awesome and covers almost everything, but we still have a high copay for office visits, plus a spending cap on dental and visual. The FSA would help with that a lot. We definitely are not considering about not using the money that goes into it - we're racking up medical bills into the hundreds of dollars every month in office visit and prescription copays a month. I'm just trying to figure out if it actually is worth it in the end - how much money would we be saving by not paying taxes on this money? It seems like it would definitely be worth it given how high our out of pocket copays and such are, but I'm trying to get more info before deciding for sure. We ended up having all of our taxes refunded this year anyway, so if that happens again next year I don't think it would save us any money, but if we don't have them all refunded next year then it would save us money. Anyway, if any of you have experience with FSAs, either good or bad, please share with me! Or if you have links to excellent resources. I tried to talk to Human Resources at my new job but she said she's not allowed to give that sort of financial advice so I'm not sure what kind of expert I'd go to for the real pros and cons of this program.
Passion flower/fruit question

Passion flower/fruit question

My son wishes for real spring too.

My son wishes for real spring too.

corn!

corn!

My first squash bulb!

My first squash bulb!

An Amazing Little Tree

An Amazing Little Tree

Bulb identification

Bulb identification