Everyday health and wellness essentials all in one place and guaranteed eligible. Pierce Group Benefits partners with the HSA Store to provide one convenient location for Health Savings Account holders to maximize their long-term health savings and help ease the financial burden of medical needs, should they arise. Through our partnership, we’re also here to help answer the many questions that come along with having a Health Savings Account!
– The largest selection of guaranteed HSA-eligible products
– Phone and live chat support available 24 hours a day / 7 days a week
– Fast and free shipping on orders over $50
– Use your HSA card or any other major credit card for purchases
– Eligibility List: A comprehensive list of eligible products and services
– HSA Calculator: Estimate how much you can save with an HSA
– Learning Center: Easy tips and resources for living with an HSA
– Savings Center: Where you can save even more on HSA-eligible essentials
– HSAPerks: Take your health and funds further with the HSA Store rewards program
NEED HELP? WE’VE GOT YOU COVERED!
A personal tax-free savings account for healthcare expenses and investing.
Use the below information to determine if a Health Savings Account (HSA) is right for you and how to best take advantage of an HSA account.
An HSA is a personal savings account that allows you to set aside pre-tax dollars for current and future healthcare expenses for you and your dependents, even if they are not covered under your primary health plan. You are eligible to open an HSA if you are also enrolled in an HSA-eligible high-deductible health plan.
You choose an annual election amount, up to $4,400 for individuals and $8,750 for families. The money is placed in your account via payroll deduction, online banking transfer, or a direct contribution. Once your account is funded, you can choose to use the money to pay for current healthcare expenses or keep the funds in your account and watch your savings grow.
If you are 55 or over, you have the option to contribute an additional $1,000 annually.
As a married couple, one spouse cannot be enrolled in an FSA at the same time the other is contributing to an HSA.
High-deductible health plans typically have lower monthly premiums and greater out-of-pocket costs. An HSA helps ensure you have money set aside to pay for out-of-pocket healthcare expenses.
But an HSA is also a powerful investment vehicle and can be a smart addition to your retirement strategy. What makes an HSA such a great retirement investment tool? Simply put, money goes into an HSA tax-free, grows tax-free, and comes out tax free. That means you will never be taxed when you use HSA dollars for qualified medical expenses. No other investment account offers this benefit!
How much can you potentially save for retirement? See below!
The IRS determines what expenses are eligible under an HSA. Below are some examples of common eligible expenses:
– Copays, deductible payments, coinsurance
– Doctor office visits, exams, lab work, x-rays
– Hospital charges
– Prescription drugs y Dental exams, x-rays, fillings, crowns, orthodontia
– Vision exams, frames, contact lenses, contact lens solution, laser vision correction
– Physical therapy
– Chiropractic care
– Medical supplies and first aid kits
– Prescribed over-the-counter medications
– COBRA premiums
– And much more…
What doesn’t qualify?
Certain expenses are not eligible, for instance:
– Expenses incurred prior to opening your HSA
– Cosmetic procedures or surgery
– Dental products for general health
– Personal hygiene products
For a full list of eligible expenses, go to www.flexfacts.com.
Get instant access to your account with the Flex Facts Portal and the Flex Facts Mobile App.
– View your account balance and transaction history
– Submit and view claims
– Upload and store receipts
– Make contributions
– Invest HSA funds
– View important alerts and communications
– Sign up for direct deposit
– Sign up for text message alerts
Register for the Flex Facts Participant Portal at www.flexfacts.com. Download the Flex Facts Mobile App on the App Store or Google Play Store.
Helpful Hints
– You must have funds in your HSA before you can spend them.
– You can change your contribution amount at any time.
– Save your receipts because the IRS may audit your HSA transactions.
– You can claim a tax deduction for any direct contributions you make to your account with post-tax dollars.
During your annual enrollment period, a PGB Benefits Representative will be available by appointment to meet with you one-on-one to help you evaluate your benefits based on your individual and family needs, answer any questions you may have, and assist you in the enrollment process.
-Employees working 40 hours or more per week are eligible for benefits.
– When do my benefits start? The plan year for Colonial Life Insurance Products, The Local Choice (Anthem Health, Delta Dental of VA, and Anthem Blue View Vision), Flex Facts Health Savings Account, Delta Dental (Stand-Alone Policy), Aetna Vision (Stand-Alone Policy), and The Hartford Long-Term Disability runs from July 1, 2026, through June 30, 2027.
– When do my deductions start? Deductions for Colonial Life Insurance Products, The Local Choice (Anthem Health, Delta Dental of VA, and Anthem Blue View Vision), Flex Facts Health Savings Account, Delta Dental (Stand-Alone Policy), Aetna Vision (Stand-Alone Policy), and The Hartford Long-Term Disability start July 2026 for all enrolled employees.
– Why have my Medical Bridge benefits not started yet? The Health Screening Rider on the Colonial Medical Bridge plan has a 30-day waiting period for new enrollees. Coverage, therefore, will not begin until July 31, 2026.
– Does the City of Martinsville contribute to my HSA? The City of Martinsville will contribute $60/month to all HSAs for employees enrolled in individual health coverage and $83.33/month for HSAs in dependent health coverage. Please Note: HSAs are optional and not automatically set up when you enroll in a High Deductible Health Plan. To receive the employer contribution, employees must enroll in an HSA during Open Enrollment.
– When will I get my card? If you will be receiving a new debit card, whether you are a new participant or to replace your expired card, please be aware that it may take up to 30 days following your plan effective date for your card to arrive. Your card will be delivered by mail in a plain white envelope. During this time you may use manual claim forms for eligible expenses. Please note that your debit card is good through the expiration date printed on the card.
– I want to sign my family up for benefits as well, what information will I need? If signing up for any coverage on your spouse and/or children, please have their dates of birth and social security numbers available when speaking with the Benefits Representative.
– What is the difference between pre- and post-tax benefits? Pre-tax benefit contributions are taken from an employee’s paycheck before state and federal taxes are applied. Post-tax benefit contributions are paid after taxes are deducted. It’s important to note that some coverages may still be subject to taxes even if paid for through pre-tax deduction or employee contribution.
– Can I change my benefit elections outside of the enrollment period? Elections made during this enrollment period CANNOT BE CHANGED AFTER THE ENROLLMENT PERIOD unless there is a family status change, otherwise known as a qualifying life event (Mid-Year Events), as defined by the Internal Revenue Code. Examples of Mid-Year Events can be found here. Once a Mid-Year Event has occurred, an employee has 30 days to notify PGB’s VA Employee Services at 1-800-387-5955 to request a change in elections.
– I have a pre-existing condition. Will I still be covered? Some policies may include a pre-existing condition clause. Please read your policy carefully for full details.
– Enroll in, change, or cancel The Local Choice benefits (Anthem Health, Delta Dental of VA, and Anthem Blue View Vision).
– Enroll in, change, or cancel Health Savings Accounts.
– Enroll in, change, or cancel Dental Insurance (Stand-Alone Policy).*
– Enroll in, change, or cancel Vision Insurance (Stand-Alone Policy).*
– Enroll in, change, or cancel Long-Term Disability Insurance.
– Enroll in, change, or cancel Colonial coverage.
*The Dental and Vision Stand-Alone Policies are for employees who have waived coverage under the Local Choice (Health, Dental, & Vision) plan. Employees enrolled in the Local Choice plan may not enroll in the Dental or Vision Stand-Alone Policies.
IMPORTANT NOTE & DISCLAIMER
This is neither an insurance contract nor a Summary Plan Description and only the actual policy provisions will prevail. All information in your benefits guide including premiums quoted is subject to change. All policy descriptions are for information purposes only. Your actual policies may be different than those in the benefits guide.
Health Insurance: The Local Choice – Anthem– Anthem Health
– Delta Dental of VA
– Anthem Blue View Vision
Health Savings Accounts: Flex Facts– Employee Maximum $4,400/year
– Family Maximum $8,750/year
HSA plans can only be established in conjunction with a qualified High-Deductible Health Plan (HDHP)
The City of Martinsville contributes $60/month to all HSAs for employees enrolled in individual health coverage and $83.33/month for HSAs in dependent health coverage. Please Note: HSAs are optional and not automatically set up when you enroll in a High Deductible Health Plan. To receive the employer contribution, employees must enroll in an HSA during Open Enrollment.
Dental Insurance: Delta Dental (Stand-Alone Policy)
Vision Insurance: Aetna Vision (Stand-Alone Policy)
Cancer Benefits: Colonial Life
Accident Benefits: Colonial Life
Medical Bridge Benefits: Colonial Life
Short-Term Disability Benefits: Colonial Life Long-Term Disability Benefits: The Hartford
Critical Illness Benefits: Colonial Life
Life Insurance: Colonial Life– Term Life Insurance
– Whole Life Insurance
Student Loan Assistance Program: GradFin
Please note your insurance products will remain in effect unless you speak with a representative to change them.
Your ComPsych® GuidanceResources® program EAPBusiness Class offers someone to talk to and resources to consult whenever and wherever you need them.
24/7 Support, Resources & Information Including:
– Confidential Emotional Support
– Work-Life Solutions
– Legal Guidance
– Financial Resources
– Online Support
– Free Online Will Preparation
Call: 877.595.5281
TTY: 800.697.0353
Online: guidanceresources.com
App: GuidanceNow
Web ID: EAPBusiness
During your annual enrollment period, a PGB Benefits Representative will be available by appointment to meet with you one-on-one to help you evaluate your benefits based on your individual and family needs, answer any questions you may have, and assist you in the enrollment process.
– Employees working 30 hours or more per week are eligible for benefits.
– When do my supplemental benefits start? The plan year for Colonial Life Insurance Products runs from July 1, 2026, through June 30, 2027.
– When do my deductions for supplemental benefits start? Deductions for Colonial Life Insurance Products start July 2026 for enrolled employees.
– Why have my supplemental Cancer, Accident, or Medical Bridge benefits not started yet? The Colonial Cancer plan and the Health Screening Rider on the Colonial Accident and Colonial Medical Bridge plan have a 30-day waiting period for new enrollees. Coverage, therefore, will not begin until July 31, 2026.
– What is an EAP? Your employer offers an Employee Assistance Program (EAP) for you and your eligible family members. An EAP is an employer-sponsored benefit that offers confidential support and resources for personal or work-related challenges and concerns. Please see the EAP pages of this benefit guide for more details and contact information.
– I want to sign my family up for supplemental benefits as well, what information will I need? If signing up for any coverage on your spouse and/or children, please have their dates of birth and social security numbers available when speaking with the Benefits Representative.
– What is the difference between pre- and post-tax supplemental benefits? Pre-tax benefit contributions are taken from an employee’s paycheck before state and federal taxes are applied. Post-tax benefit contributions are paid after taxes are deducted. It’s important to note that some coverages may still be subject to taxes even if paid for through pre-tax deduction or employee contribution.
– Can I change my benefit elections outside of the enrollment period? Elections made during this enrollment period CANNOT BE CHANGED AFTER THE ENROLLMENT PERIOD unless there is a family status change, otherwise known as a qualifying life event (QLE), as defined by the Internal Revenue Code. Examples of a QLE can be found here.
– I have a pre-existing condition. Will I still be covered? Some policies may include a pre-existing condition clause. Please read your policy carefully for full details.
– Enroll in, change, or cancel Colonial coverage.
IMPORTANT NOTE & DISCLAIMER
This is neither an insurance contract nor a Summary Plan Description and only the actual policy provisions will prevail. All information on this microsite including premiums quoted is subject to change. All policy descriptions are for information purposes only. Your actual policies may be different than those on this microsite.
Cancer Benefits: Colonial Life Accident Benefits: Colonial Life Medical Bridge Benefits: Colonial Life Critical Illness Benefits: Colonial LifeWhole Life Insurance: Colonial Life Short-Term Disability Benefits: Sun Life (Employer-Paid Benefit)
Employee Assistance Program: Sun Life (Employer-Paid Benefit)
Please note your insurance products will remain in effect unless you speak with a representative to change them.
Take control of your health and wellness with guaranteed FSA-eligible essentials. Pierce Group Benefits partners with the FSA Store to provide one convenient location for Flexible Spending Account holders to manage and use their FSA funds, and save on more than 4,000 health and wellness products using tax-free health money. Through our partnership, we’re also here to help answer the many questions that come along with having a Flexible Spending Account!
– The largest selection of guaranteed FSA-eligible products
– Phone and live chat support available 24 hours a day / 7 days a week
– Fast and free shipping on orders over $50
– Use your FSA card or any other major credit card for purchases
– Eligibility List: A comprehensive list of eligible products and services
– FSA Calculator: Estimate how much you can save with an FSA
– Learning Center: Easy tips and resources for living with an FSA
– Savings Center: Where you can save even more on FSA-eligible essentials
– FSAPerks: Take your health and funds further with the FSA Store rewards program
NEED HELP? WE’VE GOT YOU COVERED!
Online Account Instructions
Go to MyAmeriflex.com and click “Login” from the upper right hand corner. When prompted, select “Participant.”
Click the register button atop the right corner of the home screen.
After registering, you can log into your account to:
– Check your balance
– Order replacement cards
– Submit claims for reimbursement
– Update your reimbursement method, and more…
Download the MyAmeriflex mobile app, available through the App Store or Google Play. This is the quickest and easiest way to access your account on the go. The mobile app offers the same functionality as your online account.
Your credentials for the MyAmeriflex Portal and the MyAmeriflex Mobile App are the same; there is no need for separate login information!
You’ll receive a Mastercard debit card linked to your Ameriflex account that can be used to pay for eligible expenses. If you have more than one account, such as a flexible spending account and dependent care account, your card is linked to both accounts and knows which funds to pull from when you make a purchase. If you lose your card, you can request a complimentary replacement by logging into your Ameriflex account or the Ameriflex mobile app.
Before you make a purchase, it’s important to verify that the expense is eligible under the rules of your plan. Spending and saving accounts reimburse specific expenses unique to those accounts. Visit our Help Center for more information about eligible expenses.
Your satisfaction is our top priority, and our team of experts are ready to help whenever you need it. The Help Center is the best place to go for quick answers to your questions and more information about your account. You can access the Help Center at myameriflex.com/HelpCenter.
The Ameriflex Participant Services team is available Monday – Friday: 7:00 AM to 8:00 PM CST and Saturday: 9:00 AM to 1 :00 PM CST.
Call: 888.868.3539
Email: service@myameriflex.com
Live Chat: myameriflex.com
Set aside tax-free money for daycare and dependent care services.
Use the below information to determine if a Dependent Care Account (DCA) is right for you and how to best take advantage of a DCA account.
When you enroll in a Dependent Care Account (DCA) you get to experience tax savings on expenses like daycare, elderly care, summer day camp, preschool, and other services that allow you to work full time.
– Save On Eligible Expenses: You can use a DCA to pay for qualifying expenses such as daycare, summer day care, elder care, before and after school programs, and pre-school.
– Keep More Money: The funds are taken out of your paycheck “pre-tax” (meaning they are subtracted from your gross earnings before taxes) throughout the course of the year. Let’s say you earn $40,000 a year and contribute $1,500 to an DCA; so, only $38,500 of your income gets taxed. That means you are increasing your take-home pay simply by participating!
– Easy Spending and Account Management: You will receive an Ameriflex Debit Mastercard linked to their DCA. They can use their card for eligible purchases everywhere Mastercard is accepted. Account information can be securely accessed 24/7 online and through the mobile app.
The IRS determines what expenses are eligible under a DCA. Here are some examples of common eligible expenses:
– Daycare or elder care
– Before-school and after-school care
– Preschool and nursery school
– Private sitter
– Summer day camp
– Nanny service
For a full list of eligible expenses, go to myameriflex.com/eligibleexpenses.