Benefits forEssex County Public Schools (VA)

Important HSA Information


How do I check my account balance?

You can check your real-time balance online by logging into MyAmeriflex or through the MyAmeriflex Mobile App. Ameriflex also provides 24/7 access to automated account information via telephone. Call 888.868.FLEX (3539) and follow the prompts to listen to balance and transaction information for your account.

How do I access my account?

To register your account, visit, select “Login to your account,” and click “HSA Participants.” Then click the “New User” link to get started. You will be asked to enter an Employee ID, which will be your Social Security number with no dashes or spaces, as well as a Registration ID, which will either be your Ameriflex Mastercard debit card number or Employer ID (AMFCONONE). If you have any questions, contact the Ameriflex Participant Services team at 888.868.FLEX (3539).

How do I reimburse myself from my HSA?

If you need to pay for an eligible expense out of pocket, you can request to reimburse yourself from your HSA or pay a provider directly from your HSA via check. To request reimbursement, click on HSA Bill Pay within your account. Next, select Pay Me and fill out the online form.

What expenses are eligible?

The IRS determines what goods and services are eligible. This will vary based on what type of account you have. Login to MyAmeriflex, click on Resources and then Find Eligible Items for a full list of eligible expenses.

How do I order a new card?

To request a replacement card for you and your dependent(s), or to report your card lost/stolen, log into MyAmeriflex and click the debit card icon on the top navigation bar.

How do I order a debit card for my dependent?

Click on your name on the top menu of your account. Next, select Add Family Member, complete the form, and click Next. Select the card icon to order a debit card for your dependent.

What happens if I don’t use my HSA account balance by the end the year?

No worries! Your account funds roll over year to year.

Can I have an FSA and an HSA?

You can’t contribute to an FSA and HSA within the same plan year. However, you can contribute to an HSA and a limited purpose FSA, which only covers dental and vision expenses.

As per IRS Publication 969, an employee covered by an HDHP and a health FSA or an HRA that pays or reimburses qualified medical expenses generally can’t make contributions to an HSA. An employee is also not HSA-eligible during an FSA Grace Period. An employee enrolled in a Limited Purpose FSA is HSA-eligible. As a married couple, one spouse cannot be enrolled in an FSA at the same time the other is contributing to an HSA. FSA coverage extends tax benefits to family members allowing the FSA holder to be reimbursed for medical expenses for themselves, their spouse, and their dependents. An HSA can also reimburse expenses for the family. This combination of two tax advantaged programs violates the “No Other Health Coverage” clause of the HSA.

How do these programs save me money on taxes?

Since the accounts are tax-advantaged, you get to leverage pre-tax payroll deductions — increasing your take-home pay and saving you money on everyday expenses. In many cases, you can experience savings of up to 40% on expenses eligible under your employer-sponsored plan.

If I leave my employer, can I still use my funds?

Yes, you own the account, even if you switch jobs, change insurance plans, or retire.

What does pre-tax dollars mean and why is this important?

Essentially, “pre-taxing,” which can be used for life insurance, disability insurance, HSA contributions, dependent care contributions, health savings account contributions and commuter account contributions, means taking income that would otherwise be taxable and diverting it to something else before (so: “pre”) is becomes taxable.

By making pre-tax contributions to an HSA, you are lowering the amount your income is taxed, which results in taking home a bigger paycheck.

Can I change my annual election amount?

HSA elections can be changed during the plan year by contacting your employer.

How can I get more information about my account?

There are several options to get more information about your account. For an overview of account features, visit

You can manage your account, check your balance, file and claim anytime online through MyAmeriflex or through the MyAmeriflex App.