Online Account Instructions

How to Access Your Ameriflex Account:

Go to MyAmeriflex.com and click “Login” from the upper right hand corner. When prompted, select “Participant.”

How to Register Online For Your Ameriflex Spending Account:

Click the register button atop the right corner of the home screen.

1. As the primary account holder, enter your personal information.
   – Choose a unique User ID and create a password (if you are told that your username is invalid or already taken, you must select another).
   – Enter your first and last name.
   – Enter your email address.
   – Enter your Employee ID, which in most cases, will be the account holder’s Social Security Number(no dashes or spaces needed).
2. Check the box if you accept the terms of use.
3. Click ‘register’. The process may take a few seconds. Do not click your browser’s back button or refresh the page.
4. Last, you must complete your Secure Authentication setup. Implemented to protect your privacy and help us prevent fraudulent activity, setup is quick and easy. After the registration form is successfully completed, you will be prompted to complete the secure authentication setup process:
   Step 1: Select a Security Question option, and type in a corresponding answer.
   Step 2: Repeat for the following three Security Questions, then click next.
   Step 3: Verify your email address, and then click next.
   Step 4: Verify and submit setup information.
5. The registration process is complete! Should you receive an information error message that does not easily guide you through the information correction process, please feel free to contact our dedicated Member Services Team at 888.868.FLEX (3539).

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…

Want to Manage Your Account on the go?

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!

Using Your Ameriflex Card

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.

Eligible Expenses

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.

Help Center and Support

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.

How It Works

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.

The Value & Perks

– 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.

Eligible DCA Expenses

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.

An account for setting aside tax-free money for healthcare expenses.

Use the below information to determine if a Flexible Spending Account (FSA) is right for you and how to best take advantage of an FSA account.

How It Works

When you enroll in a Flexible Spending Account (FSA) you get to experience tax savings on qualified expenses such as copays, deductibles, prescriptions, over-the-counter drugs and medications, and thousands of other everyday items.

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.

The Value & Perks

– Election Accessibility: You will have access to your entire election on the first day of the plan year.

– Save On Eligible Expenses: You can save up to 40% on thousands of eligible everyday expenses such as prescriptions, doctor’s visits, dental services, glasses, over-the-counter medicines, and copays.

– 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 FSA; 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: Employees will receive an Ameriflex Debit Mastercard linked to their FSA. Employees 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.

Eligible FSA Expenses

The IRS determines what expenses are eligible under an FSA. Below are some examples of common eligible expenses:

– Deductibles

– Copays

– Prescriptions

– Teeth cleaning

– LASIK

– Glasses and contact lenses

– Band-aids

– Sunscreen

– Over-the-counter medicine (prescription required)

– Feminine menstrual care

For a full list of eligible expenses, go to myameriflex.com/eligibleexpenses.

The “Use-or-Lose” Rule

If you contribute dollars to a reimbursement account and do not use all the money you deposit, you will lose any remaining balance in the account at the end of the eligible claims period. This rule, established by the IRS as a component of tax-advantaged plans, is referred to as the “use-or-lose” rule.

To avoid losing any of the funds you contribute to your FSA, it’s important to plan ahead as much as possible to estimate what your expenditures will be in a given plan year.

Below is a series of instructions outlining the online self-enrollment process. Please have the following information available before you begin:

– Username, password, and enrollment website URL from Step 1 of this page

– Dates of birth and social security numbers of your spouse and any dependents you wish to enroll

– Beneficiary names and social security numbers

Helpful Tips:

– If you are a new employee, please refer here or more information or contact the PGB Service Center at 888-662-750 between 8:30am and 5:00pm for assistance.

– If you are an existing employee and unable to login to the online system, please contact the Harmony Help Desk at 866-875-4772 between 8:30am and 6:00pm, or speak with the Benefits Representative assigned to your location.

How To Enroll:

1. Logging In 

– Enter your User Name: ARA4X4L- and then Last Name and then Last 4 of Social Security Number (ARA4X4L-SMITH6789)

– Enter your Password: Four digit Year of Birth and then Last 4 of Social Security Number (19766789)

To login, visit: https://harmonyenroll.coloniallife.com

2. Creating a New Password

You will be prompted to create a new password. Your password must have: 1 lowercase letter, 1 uppercase letter, 1 number, and 8 characters minimum.

Your password cannot include: first name, last name, spaces, special characters (such as ! $ % &), or User ID.

3. Secure Your Account

Choose a security question and enter answer.

4. Begin Enrollment

Click on ‘I Agree’ and then ‘Enter My Enrollment’.

5. Verification

The screen will display ‘Me & My Family’. Verify that the information is correct and enter the additional required information requested (title, marital status, work phone, e-mail address).

Click ‘Save & Continue’ twice.

6. Family Member Information

The screen will display the option to add family members. It is only necessary to enter family member information if adding or including family members in your coverage.

Click ‘Continue’.

7. Personal Information

The screen shows updated personal information. Verify that the information is correct and make changes if necessary.

Click ‘Continue’.

8. Review Elections

The screen shows ‘My Benefits’. Review your current benefits and make changes/selections for the upcoming plan year.

9. Finish Enrollment

10. Confirm Elections

Click ‘I Agree’ to electronically sign the authorization for your benefit elections.

11. Print & Log Out

Click ‘Print a copy of your Elections’ to print a copy of your elections, or download and save the document. Please do not forget this important step!

Click ‘Log out & close your browser window’ and click ‘Log Out’.

IN-PERSON & SELF-ENROLL

During your open 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. If you prefer, you may also self-enroll online following the instructions on the Enrollment Instructions page of this site.

OPEN ENROLLMENT PERIOD: May 28, 2024 – May 31, 2024

YOU CAN MAKE THE FOLLOWING BENEFIT ELECTIONS DURING THE OPEN ENROLLMENT PERIOD:

– Enroll/Re-Enroll in Flexible Spending Accounts.⁺

– Enroll in, change, or cancel Dental Insurance.

– Enroll in, change, or cancel Vision Insurance.

– Enroll in, change, or cancel Group Term Life Insurance.

– Enroll in, change, or cancel Telemedicine coverage.

– Enroll in, change, or cancel Colonial coverage.

⁺You will need to re-enroll in the Flexible Spending Accounts if you want them to continue each year.

ACCESS YOUR BENEFITS OPTIONS WHENEVER, WHEREVER.

You can view details about what benefits your employer offers, view educational videos about all of your benefits, download forms, chat with one of our knowledgeable Service Center Specialists, and more on your personalized benefits website.

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.

Pre-Tax Benefits

Flexible Spending Accounts: Ameriflex
– Medical Reimbursement Maximum: $3,200/year
– Dependent Care Reimbursement Maximum: $5,000/year
You will need to re-enroll in the Flexible Spending Accounts if you want them to continue next year.
IF YOU DO NOT RE-ENROLL, YOUR CONTRIBUTION WILL STOP EFFECTIVE AUGUST 30, 2024.

Dental Insurance: MetLife

Vision Insurance: Superior Vision

Cancer Benefits: Colonial Life

Accident Benefits: Colonial Life

Medical Bridge Benefits: Colonial Life

Post-Tax Benefits

Disability Benefits: Colonial Life

Critical Illness Benefits: Colonial Life

Life Insurance: Colonial Life
– Term Life Insurance
– Whole Life Insurance
– Group Term Life Insurance (Including EAP + Work/Life Programs)

Telemedicine Benefits: Call A Doctor Plus

Additional Benefits

Student Loan Assistance Program: GradFin

Please note your insurance products will remain in effect unless you speak with a representative to change them.

Enrollment Period: May 28, 2024 – May 31, 2024

Effective Dates: September 1, 2024 – August 31, 2025

ELIGIBILITY:

– Employees must work 30 hours or more per week to qualify for benefits.

IMPORTANT NOTICES:

– When do my benefits start? The plan year for Ameriflex Spending Accounts, MetLife Dental Insurance, Superior Vision Insurance, Call-A-Doc+ Telemedicine Benefits, Colonial Insurance Products and Group Term Life Insurance runs from September 1, 2024 through August 31, 2025. Please Note: Dental benefits are based on the Calendar Year, running from January 1st through December 31st. Dental benefits and deductibles will reset every January 1st.

– When do my deductions start? Deductions for MetLife Dental Insurance, Superior Vision Insurance, Call-A-Doc+ Telemedicine Benefits, Colonial Insurance Products and Group Term Life Insurance start August for enrolled employees. Deductions for Ameriflex Spending Accounts start in September 2024 for enrolled employees.

– Why have my 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 October 1, 2024.

– What is an EAP? Your Group Term Life coverage includes Health Advocate Employee Assistance + Work/Life Programs. An Employee Assistance Program (EAP) offers confidential support and resources for personal or work-related challenges and concerns. Please see the Group Term Life pages of this benefit guide for more details and contact information.

– How do Flexible Spending Account (FSA) funds work, and do my FSA funds have to be used by a specific deadline? Flexible Spending Account expenses must be incurred during the plan year to be eligible for reimbursement. After the plan year ends, an employee has 90 days to submit claims for incurred qualified spending account expenses (or 90 days after employment termination date). If employment is terminated before the plan year ends, the spending account also ends. Failure to use all allotted funds in the FSA account will result in a “Use It or Lose It” scenario.

– My spouse is enrolled in an Health Savings Account (HSA), am I eligible for an FSA? As a married couple, one spouse cannot be enrolled in a Medical Reimbursement FSA at the same time the other opens or contributes to an HSA.

– How do Dependent Care Account (DCA) funds work and when do they need to be used? Dependent Care Accounts are like FSA accounts and allow you to request reimbursement up to your current balance. However, you cannot receive more reimbursement than what has been deducted from your pay. It’s important to note that any remaining funds in your DCA account must be utilized before the deadline. Failure to use all allotted funds in the DCA account will result in a “Use It or Lose It” scenario.

– 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 (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.

Congratulations on your new employment!

Your employment means more than just a paycheck. Your employer also provides eligible employees with a valuable benefits package. Below you will find information about how to enroll in these benefits as a new employee.

All Benefits – Please call PGB’s Employee Services within 30 days of your date of hire and a PGB Benefits Representative will help you enroll in benefits. The Employee Services number is located in the contact section of this  microsite.

Be sure to also review your group’s custom benefits microsite, that allows for easy, year-round access to benefit information, live chat support, benefit explainer videos, plan certificates and documents, and carrier contacts and forms.

Congratulations on your new employment!

Your employment means more than just a paycheck. Your employer also provides eligible employees with a valuable benefits package. Below you will find information about how to enroll in these benefits as a new employee.

Colonial – Please call PGB’s Employee Services within 30 days of your date of hire. The Employee Services number is located at the bottom of this page.

All Other Benefits – Please contact your Human Resources Department within 30 days of your date of hire.

Be sure to also review your group’s custom benefits microsite, that allows for easy, year-round access to benefit information, live chat support, benefit explainer videos, plan certificates and documents, and carrier contacts and forms.

Colonial Life

• File A Claim 
• Colonial Service Guide for Policy Holders 
• Colonial Service Forms 

Health, Dental, & Vision

• Cigna Provider Search 
• Cigna Member Login 
• Privacy Notice 
• Marketplace Notice 
• Women’s Health and Cancer Notice 
• Adverse Benefit Determination Notice 

Student Loan Assistance Program

• GradFin Enrollment Portal

Flex Accounts

• Flores Resource Library 
• Flores Member Login / Check Your Balance 
• Mobile App Download: Apple App Store | Google Play Store 
• The FSA Store 
• The FSA Store Contact Information 
• The FSA Store Eligibility List 
• The HSA Store 
• The HSA Store Contact Information 
• The HSA Store Eligibility List 

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

BONUS: Get $20 off any order of $150+ with code PGB20HSA (one use per customer).

Other Great HSA Store Resources Available To You

– 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!

HSA Store Customer Service

HSA Store Frequently Asked Questions

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

BONUS: Get $20 off any order of $150+ with code PGB20FSA (one use per customer).

Other Great FSA Store Resources Available To You

– 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!

FSA Store Customer Service

FSA Store Frequently Asked Questions

What is a Health Savings Account (HSA)?

An HSA is a tax-advantaged personal savings account that can be used to pay for medical, dental, vision and other qualified expenses now or later in life. To contribute to an HSA you must be enrolled in a qualified high-deductible health plan (HDHP) and your contributions are limited annually. The funds can even be invested, making it a great addition to your retirement portfolio.

Can I have an HSA and an FSA?

You can’t contribute to an HSA and FSA 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 HSA at the same time the other is contributing to an FSA. HSA coverage extends tax benefits to family members allowing the HSA holder to be reimbursed for medical expenses for themselves, their spouse, and their dependents.

Why should I participate in an HSA?
Funds contributed to an HSA are triple-tax-advantaged.

1. Money goes in tax free: Most employers offer a payroll deduction through a Section 125 Cafeteria Plan, allowing you to make contributions to your HSA on a pre-tax basis. The contribution is deposited into your HSA prior to taxes being applied to your paycheck, making your savings immediate. You can also contribute to your HSA post-tax and recognize the same tax savings by claiming the deduction when filing your annual taxes.
2. Money comes out tax-free: Eligible healthcare purchases can be made tax-free when you use your HSA. Purchases can be made directly from your HSA account, either by using your benefits debit card, ACH, online bill-pay, or check – or, you can pay out-of-pocket and then reimburse yourself from your HSA.
3. Earn interest, tax-free: The interest on HSA funds grows on a tax-free basis. And, unlike most savings accounts, interest earned on an HSA is not considered taxable income when the funds are used for eligible medical expenses

Frequently Asked Questions

What Expenses Are Eligible For Reimbursement? Health plan co-pays, deductibles, co-insurance, vision, dental care, and certain medical supplies are covered. The IRS provides specific guidance regarding eligible expenses. (See IRS Publication 502).

Am I Eligible To Participate? In order to contribute, you must be enrolled in a qualified HDHP, not covered under a secondary health insurance plan, not enrolled in Medicare, and not another person’s dependent. There are no eligibility requirements to spend previously-contributed HSA funds.

Can I Change My Election During The Plan Year? Yes. You will not be subject to the change-in-status rules applicable to other benefit accounts. You will be able to make changes in your contributions by providing the applicable notice of change provided by your employer.

How Can I Submit A Claim? Claims may be uploaded to your account on our participant Flores247 Web Portal, www.flores247.com, or using our Flores Mobile app. You may also submit your request for reimbursement via fax or mail, if you prefer. Please note that all claims must be received by the filing deadline for the applicable plan year in which your expenses were incurred.

Do I Have To Spend All My Contributions By The End Of The Plan Year? No. HSA money is yours to keep. Unlike a flexible spending account (FSA), unused money in your HSA isn’t forfeited at the end of the year; it continues to grow, tax-deferred.

For more information, please refer to the Flores HSA FAQ page.

How Do I Obtain My Account Details?

Website: Visit www.flores247.com and log in using Participant ID or User Name and password

Mobile App: Download our mobile app from your app store: Apple Store | Google Play Store

PID & Password Assistance: Dial 800-840-7684

How Do I Submit Documents To Flores?

Online: Visit www.flores247.com and upload documents securely

Mobile: Download our mobile app from your app store: Apple Store | Google Play Store

Mail: Flores & Associates, LLCPO Box 31397 Charlotte, NC 28231

Fax: 800.726.9982 or 704.335.0818

An account for setting aside tax-free money for healthcare expenses.

Use the below information to determine if a Dependent Care Account (DCA) is right for you and how to best take advantage of an DCA account.

How It Works

The Dependent Care Flexible Spending Account can reimburse you for day care expenses provided for your dependents so that you (and your spouse) can work. Care must be for a dependent child under age 13 or a dependent of any age that lives in your household that is incapable of self-care.

Eligible Expenses

• Preschools
• Before and After School Care
• Day Camps

Ineligible Expenses

• Overnight Camps
• Tuition/Kindergarten & Educational Expenses
• Regular Fees Not Applied To Care of Child

Your Steps To Savings

1. Realize The Tax Savings: You can set aside pre-tax money into an account to be reimbursed for eligible dependent childcare. Savings will depend on your tax bracket. For example, if you are taxed at 25% and you enroll for $5,000 you would save $1,250 in taxes.
2. Estimate Your Expenses: Plan for your upcoming expenses. A brief list of expenses can be found to the right. A comprehensive list of allowable expenses and an expense worksheet can be found atwww.flores247.com.
3. Enroll And Manage Your Account: Contact your Human Resources Department to find out how to enroll for this benefit. Flores will send a custom Participant ID number via mail or email to help you manage your account. Contact information can be found on the back of this flyer.

Frequently Asked Questions

How Can I Submit A Claim? Claims may be uploaded to your account on our participant Flores247 Web Portal, www.flores247.com, or using our Flores Mobile app. You may also submit your request for reimbursement via fax or mail, if you prefer. Please note that all claims must be received by the filing deadline for the applicable plan year in which your expenses were incurred.

How Will Reimbursements Be Issued? Reimbursements will be mailed as a check to your home address. If you would like to have your reimbursement issued as a direct deposit, you may add your direct deposit information on the participant website (www.flores247.com) or submit a completed Direct Deposit Information Form.

Will I Have A Debit Card? No, there is no debit card associated with Dependent Care FSA. To obtain reimbursement, you will file a claim at www.flores247.com. Enroll in our e-Status alerts at www.flores247.com to receive claim and reimbursement confirmations via email or text.

Do I Need To Re-Enroll In The Dependent Care FSA? Yes, you must re-enroll with each new plan year. Elections do not rollover from year to year.

What Expenses Are Eligible To Be Reimbursed From The Dependent Care FSA? Your Dependent Care FSA can reimburse you for day care expenses provided for your dependent that allow you (and your spouse, if applicable) to work. Care must be for a dependent child under the age of 13, or a dependent of any age that lives in your household and is incapable of self-care. See the Allowable Dependent Care Expenses Guide on our website for further information.

Can I Change My Election During The Plan Year? You may only change your annual election during the plan year if you experience a qualifying status change event. You must notify your employer within 30 days of any status change event in order to change your election. See the Allowable Status Changes Guide on our website (www.flores247.com) for further information.

What Happens To My Dependent Care FSA If I Terminate From The Company? Any expenses submitted for reimbursement must be incurred prior to your termination date specified by your company. Claims must be submitted prior to the claims filing deadline for the plan year during which you terminated. Please contact your Human Resources Department for further information.

How Do I Obtain My Account Details?

Website: Visit www.flores247.com and log in using Participant ID or User Name and password

Mobile App: Download our mobile app from your app store: Apple Store | Google Play Store

PID & Password Assistance: Dial 800-840-7684

How Do I Submit Documents To Flores?

Online: Visit www.flores247.com and upload documents securely

Mobile: Download our mobile app from your app store: Apple Store | Google Play Store

Mail: Flores & Associates, LLCPO Box 31397 Charlotte, NC 28231

Fax: 800.726.9982 or 704.335.0818

An account for setting aside tax-free money for healthcare expenses.

Use the below information to determine if a Flexible Spending Account (FSA) is right for you and how to best take advantage of an FSA account.

How It Works

When you enroll in a Flexible Spending Account (FSA) you get to experience tax savings on qualified expenses such as copays, deductibles, prescriptions, over-the-counter drugs and medications, and thousands of other everyday items.

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.

Your Steps To Savings

1. Realize The Tax Savings: You can set aside pre-tax money into an account to be reimbursed for eligible medical expenses. Savings will depend on your tax bracket. For example, if you are taxed at 25% and you enroll for $2,500 you would save $625 in taxes.
2. Estimate Your Expenses: Plan for your upcoming expenses and include your spouse and dependents, if eligible. A brief list of expenses can be found to the right. A comprehensive list of allowable expenses and an expense worksheet can be found atwww.flores247.com.
3. Enroll And Manage Your Account: Contact your Human Resources Department to find out how to enroll for this benefit. Flores will send a custom Participant ID number via mail or email to help you manage your account. Contact information can be found on the back of this flyer.

Frequently Asked Questions

How Can I Submit A Claim? Claims may be uploaded to your account on our participant Flores247 Web Portal, www.flores247.com, or using our Flores Mobile app. You may also submit your request for reimbursement via fax or mail, if you prefer. Please note that all claims must be received by the filing deadline for the applicable plan year in which your expenses were incurred.

What Must Be Included On Receipts? All receipts for reimbursement must include the following information: Date of service, Description of Service, Out-of-Pocket Cost, Provider Name, and Patient Name.

Will I Have A Debit Card? Possibly. If your plan offers the debit card, you can use your Flores Benefits Card at the point of purchase. Remember to keep all of your receipts in case they are requested for review.

Do I Need To Re-Enroll In The Health Care FSA Each Year? Yes, you must re-enroll with each new plan year. Elections do not rollover from year to year.

When Will I Have Access To The Funds In My Health Care FSA? After your first Health Care FSA contribution to the plan, you will have access to the total amount you have elected for the plan year, regardless of the current balance in your flexible spending account.

Can I Submit My Spouse’s/Dependent’s Medical Expenses To My Health Care FSA? Regardless of who is covered on your medical insurance, the Health Care FSA may reimburse expenses for your spouse or any qualifying tax or adult dependent.

Can I Change My Election During The Plan Year? You may only change your annual election during the plan year if you experience a qualifying status change event. You must notify your employer within 30 days of any status change event in order to change your election. See the Allowable Status Changes Guide on our website (www.flores247.com) for further information.

Will Unused Funds Rollover to the Next Year? Possibly. If your employer has adopted the FSA carryover, any unused balance up to $550 that remains in your account as of the last day of the plan year will roll into the new plan year for you to be able to use towards eligible expenses you incur during the new plan year.

How Do I Obtain My Account Details?

Website: Visit www.flores247.com and log in using Participant ID or User Name and password

Mobile App: Download our mobile app from your app store: Apple Store | Google Play Store

PID & Password Assistance: Dial 800-840-7684

How Do I Submit Documents To Flores?

Online: Visit www.flores247.com and upload documents securely

Mobile: Download our mobile app from your app store: Apple Store | Google Play Store

Mail: Flores & Associates, LLCPO Box 31397 Charlotte, NC 28231

Fax: 800.726.9982 or 704.335.0818