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So my name is Catherine I'm a state employee mother of four children so having four children there are a lot of expenses that come along with that medical as well as dependent care expenses such as daycare and pay flex really helps me to budget for those types of things the money that goes into the program comes out pre-tax once you set up your pay flex account it's automatically deducted from every paycheck so for instance if you were to set aside two thousand dollars for the whole year they would deduct a certain monthly amount, but you'd be able to utilize all that up front and the great thing too is if you're between paychecks, and you have to do something unexpected like take a child to the doctor or take yourself to the doctor, or you have a dental problem you can use that, and you don't have to worry about whether you have money in your checking or savings account originally I signed up for it because of course having four kids or slots of co-pays and medical expenses, and so I budgeted just a little fat year for that, but it's become an obsessive habit now of course it covers all my kids dental co-pays glasses over-the-counter medications my son is in daycare and I also utilize the text box take care spending account to pay for his child care you have to enroll in each individually one for healthcare one for daycare, but both provide a tremendous amount of tax savings I signed up for the pay flex debit card to use it, so I can pay expenses directly from my account on one occasion we had to take my son to the emergency room, and we left without taking any checkbooks credit cards anything like that not realizing there was a copay when we got there, but my husband happened to have his debit card in his wallet, so that worked out really well, so we could take care of that expense I think it's safe to say that I used it every week I'm even contemplating next year for myself, so it covers a myriad of expenses
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