FSA is worth it for my family. There is an option when you sign up to get our Blue Cross FEP statements submitted automatically to the FSA people - so all doc appts, prescriptions etc are submitted without me doing anything - so there is no paperwork. FSA then deposits reimbursements automatically. This has been an option for a few years now and makes it so easy! Obviously if you try to get reimbursement for over the counter stuff (like bandaids) you will have to submit the paperwork. I don't bother with those reimbursements. And there are fewer over the counter itmes that qualify anyway.