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Chowan County Government – New Hire
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.
Fluvanna County Government Forms & Links 2024-2025
Colonial Life
Health, Dental, Vision
- Anthem TLC Website
- Privacy Notice
- Marketplace Notice
- Women’s Health and Cancer Notice
- Adverse Benefit Determination Notice
Dental (Stand-Alone Policy)
- Delta Dental VA Contact Information
- Delta Dental VA Provider Search / Member Login
- Mobile App Download: Apple App Store | Google Play Store
Vision (Stand-Alone Policy)
Student Loan Assistance Program
Legal
Pet Insurance
Flex Accounts
- Ameriflex Spending Account Claim Form
- Ameriflex Contact Information
- Ameriflex 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
Fluvanna County Government The HSA Store 2024-2025
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!
Fluvanna County Government The FSA Store 2024-2025
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!
Fluvanna County Government Ameriflex Important Flex Account Information 2024-2025
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.
- 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). - Check the box if you accept the terms of use.
- Click ‘register’. The process may take a few seconds. Do not click your browser’s back button or refresh the page.
- 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. - 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
Fluvanna County Government Ameriflex DCA 2024-2025
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.
Fluvanna County Government Ameriflex FSA 2024-2025
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.
Modification to the Health FSA “Use-or-Lose” Rule:
– FSA plan participants should note that up to $640 of any unused funds from the current plan year will be rolled over into your FSA balance for the new plan year.
– The rollover modification applies to Health FSA plans only (and not to other types of FSA plans such as dependent care).
– The rollover does not affect the maximum contribution amount for the new plan year. In other words, even if you roll over the entire $640 from the previous plan year, you may still elect up to the maximum contribution limit allowed under your employer’s plan.
Fluvanna County Government Ameriflex HSA 2024-2025
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.
How It Works
You can enroll in a Health Savings Account (HSA) to experience tax savings on qualified healthcare expenses such as copays, deductibles, prescriptions, over-the-counter drugs and medications, and prescriptions. There is no use-or-lose rule, meaning you can save and invest when you can or spend on eligible healthcare expenses as needed.
To enroll in a HSA, you must already be enrolled in an HSA-qualifying high deductible health plan (HDHP).
As a married couple, one spouse cannot be enrolled in an FSA at the same time the other is contributing to an HSA.
The Value & Perks
– Triple Tax Savings: Every dollar you contribute to an HSA lowers your taxable income, funds grow tax-free, and withdrawals for qualified expenses are tax-free.
– Employee-Owned: It’s a personal savings account owned by you. Which means you can keep it even if you switch health plans, change jobs, or retire. You’ll receive an Ameriflex Debit Mastercard linked to your HSA that can be used for eligible purchases everywhere Mastercard is accepted.
– Investing & Saving: You can save and invest your funds with over 30 investment options. HSA funds roll over year to year, allowing long-term growth if there are no immediate spending needs.
– $1,000 Investment Threshold: While many HSA administrators require a $2,000+ account balance before funds can be invested, Ameriflex has a modest $1,000 investment balance requirement, allowing participants to invest their money faster.
– Catch-Up Contributions: Individuals ages 55 and older who are not enrolled in Medicare can make an additional $1,000 catch-up contribution to their HSA.
– No Hidden Fees: We don’t believe participants should have to pay extra fees to reach their full savings potential. By eliminating hidden fees, participants keep more of their hard-earned money for current and future health needs.
– Easy Spending and Account Management: You will receive an Ameriflex Debit Mastercard linked to your HSA. You can use your card for eligible purchases everywhere Mastercard is accepted. Account information can be securely accessed 24/7 online and through the mobile app.
Eligible HSA Expenses
The IRS determines what expenses are eligible under an HSA. Below are some examples of common eligible expenses:
– Deductibles
– Copays
– Prescriptions
– Dental work and orthodontia
– LASIK
– Glasses and contact lenses
– Band-aids
– Sunscreen
For a full list of eligible expenses, go to myameriflex.com/eligibleexpenses.
Fluvanna County Government Important Enrollment Instructions – BenSelect 2024-2025
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:
– Please note that these self-enrollment instructions do not apply to new or existing employees during the Open Enrollment period. To enroll in benefits during Open Enrollment, please meet with a Benefits Representative. New employees can use the below self-enrollment instructions to enroll in benefits outside of the Open Enrollment period, or contact PGB Employee Services at 800-387-5955 between 8:30am and 5:00pm for assistance.
How To Enroll:
1. Logging In
– Enter your User Name: Social Security Number with or without dashes (ex. 123-45-6789 or 123456789)
– Enter your Password: Last 4 numbers of your Social Security Number followed by last 2 numbers of your Date of Birth year (ex. 678970)
To login, visit: harmony.benselect.com/fluv
2. New PIN
The screen prompts you to create a NEW PIN [__________].
3. Security Questions
Choose a security question and enter answer [__________].
4. Confirm
Confirm (or enter) an email address.
5. Save New PIN
Click on ‘Save New PIN’ to continue to the enrollment welcome screen.
6. Click Next
From the welcome screen click “Next”.
7. Personal Information
The screen shows ‘Personal Information’. Verify that the information is correct and enter the additional required information (marital status, work phone, e-mail address). Click ‘Next’.
8. Adding Family Members
The screen allows you to add family members. It is only necessary to enter family member information if adding or including family members in your coverage. Click ‘Next’.
9. Benefit Summary
The screen shows ‘Benefit Summary’. Review your current benefits and make changes/selections for the upcoming plan year.
10. Sign & Submit
Click ‘Sign & Submit’ once you have decided which benefits to enroll in.
11. Review
Review your coverage. If any items are ‘Pending’, you will need to decide whether to enroll or decline this benefit.
12. Next
Click ‘Next’ to review and electronically sign the authorization for your benefit elections.
13. Sign Form
Review the confirmation, then if you are satisfied with your elections, enter your PIN and click ‘Sign Form’.
14. Download & Print
Click ‘Download & Print’ to print a copy of your elections, or download and save the document. Please do not forget this important step! Click ‘Log Out’.
Fluvanna County Government Important Information About Your Enrollment 2024-2025
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 20, 2024 – May 31, 2024
YOU CAN MAKE THE FOLLOWING BENEFIT ELECTIONS DURING THE OPEN ENROLLMENT PERIOD:
– Enroll in, change, or cancel Health Savings Accounts.
– Enroll/Re-Enroll in Flexible Spending 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 Pet Insurance (DIRECT BILLING ONLY).**
– Enroll in, change, or cancel Legal Benefits (DIRECT BILLING ONLY).**
– 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.
*The Dental and Vision Insurance policies are only available to employees who have chosen NOT to enroll in The Local Choice Benefits.
**Please see the coordinating pages of your Benefits Guide for enrollment instructions for the Legal plan and Pet Insurance. The Legal plan and Pet Insurance available by Direct Billing only. No deductions will be taken via payroll deduction.
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 microsite.
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.
Fluvanna County Government New Hire
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 . You also have the option to self-enroll, if you choose, within 30 days of your date of hire. Please see the self-enrollment instructions in this microsite for more information.
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.
Northwestern Community Services Board Enrollment Assistance – Employee Navigator 2024-2025
You will be able to use the Benefits Enterprise site to make your New Hire and/or Open Enrollment elections, view your current elections, make life event changes, update family and/or beneficiary information, access benefit materials (i.e. plan summary documents or forms), etc.
FOLLOW THE STEPS BELOW TO COMPLETE THE ENROLLMENT PROCESS:
1. Log In
To enroll online, please visit: www.EmployeeNavigator.com and click Login.
– Returning users: Log in with the username and password you selected. Click Reset a forgotten password or locate your username if needed.
– First time users: Click on your Registration Link in the email sent to you by your admin or Register as a new user. Create an account, and create your own username and password.
2. Welcome
– After you login click Let’s Begin to complete your required tasks.
3. Onboarding (for first time uses, if applicable)
– Complete any assigned onboarding tasks before enrolling in your benefits. Once you’ve completed your tasks click Start Enrollment to begin your enrollments.
Tip: if you hit “Dismiss, complete later” you’ll be taken to your Home Page. You’ll still be able to start enrollments again by clicking “Start Enrollments”
4. Start Enrollments
– After clicking Start Enrollment, you’ll need to complete some personal & dependent information before moving to your benefit elections.
Tip: Have dependent details handy. To enroll a dependent in coverage you will need their date of birth and Social Security number.
5. Benefit Elections
– To enroll dependents in a benefit, click the checkbox next to the dependent’s name under Who am I enrolling?
– Below your dependents you can view your available plans and the cost per pay. To elect a benefit, click Select Plan underneath the plan cost.
– Click Save & Continue at the bottom of each screen to save your elections.
– If you do not want a benefit, click Don’t want this benefit? at the bottom of the screen and select a reason from the drop-down menu.
6. Forms
– If you have elected benefits that require a beneficiary designation, Primary Care Physician, or completion of an Evidence of Insurability form, you will be prompted to add in those details.
7. Review & Confirm Elections
– Review the benefits you selected on the enrollment summary page to make sure they are correct then click Sign & Agree to complete your enrollment. You can either print a summary of your elections for your records or login at any point during the year to view your summary online.
Tip: If you miss a step you’ll see Enrollment Not Complete in the progress bar with the incomplete steps highlighted. Click on any incomplete steps to complete them.
8. HR Tasks (if applicable)
– To complete any required HR tasks, click Start Tasks. If your HR department has not assigned any tasks, you’re finished!
Charlottesville City Schools – New Hire
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 at the bottom of this site.
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.
Fluvanna County Government Overview of Benefits 2024-2025
Pre-Tax Benefits
Health, Dental, and Vision Insurance: The Local Choice**
Health Savings Accounts: Ameriflex
– Employee Maximum $4,150/year
– Family Maximum $8,300/year
HSA plans can only be established in conjunction with a qualified High-Deductible Health Plan (HDHP)
Fluvanna County Government contributes $50 per month to eligible employees’ HSA accounts.
Flexible Spending Accounts: Ameriflex
– Medical Reimbursement Maximum: $3,200/year
– Dependent Care Reimbursement Maximum: $5,000/year
– Limited Purpose Reimbursement Maximum: $3,200/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 JUNE 30, 2024.
Dental Insurance: Delta Dental
Vision Insurance: Community Eye Care
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
Accident Benefits – Gunshot Wound Policy*: Colonial Life
Life Insurance: Colonial Life
– Term Life Insurance
– Whole Life Insurance
Pet Insurance: Nationwide – Direct Billing Only
ID Theft & Legal Benefits: Legal Resources – Direct Billing Only
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.
**The Local Choice Benefits are included for informational purposes only.
*The Gunshot Wound Policy is offered to Police and EMS Staff only.
Enrollment Period: May 20, 2024 – May 31, 2024
Effective Dates: July 1, 2024 – June 30, 2025
ELIGIBILITY:
– Employees must work 30 hours or more per week.
IMPORTANT NOTICES:
– When do my benefits start? The plan year for Ameriflex Spending and Health Savings Accounts,The Local Choice Benefits (Health, Dental, Vision), Delta Dental Insurance (Stand-Alone Policy), Community Eye Care Insurance (Stand-Alone Policy), and Colonial Insurance Products runs from July 1, 2024 through June 30, 2025.
– When do my deductions start? Deductions for Ameriflex Spending and Health Savings Accounts, The Local Choice Benefits (Health, Dental, Vision), Delta Dental Insurance (Stand-Alone Policy), Community Eye Care Insurance (Stand-Alone Policy), and Colonial Insurance Products start July 2024 for all eligible employees. The Legal Shield and Nationwide Pet Insurance plans are available by Direct Billing only. No deductions will be taken via payroll.
– Why have my Accident or Medical Bridge benefits not started yet? 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, 2024.
– 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. Your plan also includes a rollover provision! This means that if you have money left in your FSA at the end of the plan year, you can carryover up to $640 into the next plan year. Any remaining funds beyond $640 is forfeited under the “Use It or Lose It” rule.
– 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. Your plan includes a grace period which is an additional 2.5 months (running July 1, 2025, through September 15, 2025) during which you can incur eligible expenses that can be reimbursed. Therefore, you have from July 1, 2024 through September 15, 2025 to incur qualified expenses eligible for reimbursement. If you do not incur qualified expenses by September 15, 2025 and/or file by September 30, 2025 any contributions are forfeited under the “Use It or Lose It” rule.
– 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. Please speak with your Plan Administrator for more information.
– 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.