Dental and Vision Flexible Spending Account (FSA)

A simple way to save on health care costs

With this Flexible Spending Account (FSA), you can use pre-tax money to pay for out-of-pocket dental and vision costs.

How It Works

  • You choose an annual contribution amount that is deducted from your paycheck in equal amounts throughout the year and placed in an account just for eligible dental and vision expenses (not medical expenses).
  • Because the amounts are deducted before taxes are calculated, your taxable income is reduced each pay period so you pay less in taxes.

Dental and Vision FSA Snapshot

Who is eligible?

What is it?

A simple, convenient way to get a tax break on dental and vision expenses

Why participate?

  • Save an average of 30% on eligible expenses for you, your spouse and qualifying children (exact savings percentage depends on your tax situation)
  • Can be used whether or not you have an HSA
  • Can be used whether or not you are enrolled in Grainger medical coverage

Your contributions

  • Minimum annual contribution: $250
  • Maximum annual contribution: $2,850
  • Plan carefully! According to IRS rules, you have until March 15 of the following year to spend any dollars left in your account as of December 31 of the current year. After the grace period ends on March 15, you will forfeit any unused contributions from the prior year.
  • You cannot change your contribution level until the next Annual Enrollment period, unless you have a qualifying life event.

Eligible expenses

This FSA is considered a “limited use health care FSA.” That means you can use it for eligible dental and vision expenses that are not reimbursed by any other plan. Medical expenses, however, are not eligible. Learn more about which dental and vision expenses​ are eligible.

What to do

Access your FSA

You will receive a HealthEquity personal debit card to access money in your FSA when paying for expenses at dental and vision providers.

You can check your account balance, pay bills, request a reimbursement and access tools and resources at

Get the app

Download the HealthEquity Mobile app via the Apple App Store or Google Play.

Note: Benefits may differ for team members outside the continental U.S.  


When Coverage Ends

If You and Your Spouse or Domestic Partner Are Both Grainger Team Members

Special Savings Offers


Profit Savings Plan

Retirement Benefit Questions (65+/Medicare-eligible [including disabled early Medicare eligible] and pre-65 eligible retirees/dependents)

Medicare Plan Options Questions (65+ or early Medicare retirees with or without Grainger Retiree Health)


Connect with a Benefit Pro

Access the Provider Search Tool

Keep in Mind

Enroll Now

2022: Your Cost for Coverage


When Coverage Ends

If You and Your Spouse or Domestic Partner Are Both Grainger Team Members

Special Savings Offers


Profit Savings Plan

Profit Sharing Plan Historical Plan Information Pre-2021

Dear Team Member,

The last 18 months have pulled us in all sorts of directions and presented several new challenges. Many of you have had to adapt to an ever-changing lifestyle that includes homeschooling kids, working overtime, taking care of loved ones, and worrying about finances. At Grainger, we recognize the toll these changes take on your personal wellbeing. And while I’m proud to say you’ve continued to provide exceptional customer service despite these challenges, it’s just as important to put the same attention on yourself.

We want you to be your best, not only at work but at home. That’s why we’ve made some enhancements to our benefits programs to better support your emotional, financial, physical, and social wellbeing. These new programs will provide access to short-term cash, one-on-one financial coaching, or stress management support. Over the last year, we built a strong foundation of wellbeing resources to ensure you have more choice and flexibility with your benefits.

This Annual Enrollment Decision Guide will help you navigate the robust benefits that Grainger offers and support you in making your elections for 2022. Annual Enrollment will run from October 11 to 29, 2021. Now is the time for you to take action for you and your family’s wellbeing. We have more plans underway to continue to enhance our wellbeing offerings and we’re excited to share these with you soon.
As always, thank you for all you continue to do for each other, our organization, and our customers.

Stay well,
Kathleen Carroll
SVP & Chief Human Resources Officer

LinkedIn: Kathleen Carroll
Instagram: @KathleenSCarroll
Firstup: @kathleen.carroll8