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 $680 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 $680 from the previous plan year, you may still elect up to the maximum contribution limit allowed under your employer’s plan.

IN-PERSON

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.

ANNUAL ENROLLMENT PERIOD: APRIL 13, 2026 – MAY 15, 2026

ELIGIBILITY:

-Employees working 30 hours or more per week are eligible for benefits.

IMPORTANT NOTICES:

– When do my benefits start? The plan year for Colonial Life Insurance Products and Group Term Life, Ameriflex Flexible Spending Accounts, Humana Dental, Community Eye Care Vision, Sun Life Long-Term Disability, and Legal Shield ID Theft and Legal Benefits runs from July 1, 2026, through June 30, 2027.

– When do my deductions start? Deductions for Colonial Life Insurance Products and Group Term Life, Ameriflex Flexible Spending Accounts, Humana Dental, Community Eye Care Vision, Sun Life Long-Term Disability, and Legal Shield ID Theft and Legal Benefits start August 2026 for all enrolled employees. The Call A Doctor Plus Telemedicine plan is available by Direct Billing only. No deductions will be taken via payroll deduction.

– 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 July 31, 2026.

– 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 3 months to submit claims for incurred qualified spending account expenses (or 3 months 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 any money left in your FSA at the end of the plan year, you can carryover up to $680 into the new plan year. Any remaining funds beyond $680 are forfeited under the “Use It or Lose It” rule. Please note: Participants must re-enroll in their FSA account for any rollover funds to be rolled into the new plan year. Failure to re-enroll 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. 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.

– Can I sign up for Health Insurance as well? No, Pierce Group Representatives are not authorized to assist employees with their SHP enrollment or make SHP enrollment elections on an employee’s behalf.

– 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.

 

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

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

– Enroll/Re-Enroll in Dental Insurance.⁺

– Enroll/Re-Enroll in Vision Insurance.⁺

– Enroll/Re-Enroll in Group Term Life Insurance.⁺

– Enroll/Re-Enroll in Long-Term Disability Insurance.⁺

– Enroll/Re-Enroll in Legal & ID Theft Benefits.⁺

– Enroll/Re-Enroll in Telemedicine coverage⁺ (DIRECT BILLING ONLY*).**

– Enroll/Re-Enroll in Colonial coverage.⁺

⁺You will need to re-enroll in Colonial Life Insurance Products, Flexible Spending Accounts, Dental Insurance, Vision Insurance, Group Term Life Insurance, Long-Term Disability Insurance, Legal & ID Theft, and Telemedicine if you want them to continue each year.

*The Telemedicine plan is available by Direct Billing only. No deductions will be taken via payroll deduction.

**Please see the coordinating pages of your Benefits Guide for enrollment instructions for the Telemedicine plan.

 

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.

PRE-TAX BENEFITS

– Medical Reimbursement Maximum: $3,400/year
– Dependent Care Reimbursement Maximum: $7,500/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, 2026

 

POST-TAX BENEFITS

– Basic Group Term Life Insurance (Employer-Paid)
– Supplemental Group Term Life Insurance
– Including EAP + Work/Life Programs

– Term Life Insurance
– Whole Life Insurance

 

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

 

Enrollment Period: APRIL 13, 2026 – MAY 15, 2026

Effective Dates: JULY 1, 2026 – JUNE 30, 2027

Colonial Life

• File A Claim
• Colonial Service Forms

Health

• Anthem Contact Information
• Anthem Provider Search
• Sydney Health App Download
• Privacy Notice
• Marketplace Notice
• Women’s Health and Cancer Notice
• Adverse Benefit Determination Notice

Dental

• Delta Dental VA Contact Information
• Delta Dental VA Provider Search / Member Login
• Mobile App Download: Apple App Store | Google Play Store

Vision

• EyeMed Vision Contact Information
• EyeMed Vision Provider Search
• EyeMed Vision Member Login

Employee Assistance Program (EAP)

• FEAP EAP Website

Health Savings Accounts

• Inspira Financial Contact Information
• Inspira Financial Member Login / Check Your Balance
• Mobile App Download: Apple App Store | Google Play Store
• The HSA Store 
• The HSA Store Learning Center
• The HSA Store Eligibility List
• The HSA Store Calculator

Flex Accounts

• Flex Facts Contact Information
• Flex Facts Member Login / Check Your Balance
• Mobile App Download: Apple App Store | Google Play Store
• The FSA Store
• The FSA Store Learning Center
• The FSA Store Eligibility List
• The FSA Store Calculator

Offering quality, professional, and comprehensive services tailored to your individual needs.

FEAP IS HERE TO HELP

For employees and their families, we offer assessment, brief counseling, referral, and follow-up for a wide variety of personal issues at no cost to the employee. The program is confidential.

For supervisors, managers, and organizational leadership we offer consultation, training, critical incident debriefings, workplace education, and training and mediation services.

Schedule an appointment: http://dev.feap.hr.virginia.edu/appointment

Contact Us

www.uvafeap.com

(434) 243-2643

feap@virginia.edu

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

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

Save up to $2,250 on dependent care expenses this year!

Participating in a dependent care flexible spending account (DCA) is like receiving a 30% discount from your care provider.

How does a dependent care FSA work?

A dependent care FSA is a flexible spending account that allows you to set aside pre-tax dollars for dependent care expenses, such as daycare, that allow you to work or look for work.

You choose an annual election amount, up to $7,500 per family. The money is placed in your account via payroll deduction, in equal installments, and then used to pay for eligible dependent care expenses incurred during the plan year.

Why should I enroll in a dependent care FSA?

Child and dependent care is a large expense for many families. Millions of people rely on child care to be able to work, while others are responsible for older parents or disabled family members.

If you pay for care of dependents in order to work, you’ll want to take advantage of the savings this plan offers. Money contributed to a dependent care account is free from federal and most state taxes and remains tax-free when it is spent on eligible expenses. On average, participants enjoy a 30% tax savings on their annual contribution. This means you could be saving up to $2,250 per year on dependent care expenses!

How do I use my DCA to pay for dependent care expenses?

You can use your Flex Facts Debit Card to pay your provider for eligible dependent care expenses, or pay with your personal funds and submit a claim for reimbursement.

Qualifying Dependents

– Your qualifying child under the age of 13

– Your spouse or qualifying adult child or relative who is physically or mentally incapable of self-care

Qualifying Expenses

What qualifies?

Dependent care FSA funds can cover costs for:

– Before school or after school care for children 12 and younger

– Custodial care for dependent adults

– Licensed day care centers

– Nanny / Au Pair

– Nursery schools or preschools

– Late pick-up fees

– Summer or holiday day camps

What doesn’t qualify?

Certain expenses are not eligible, for instance:

– Expenses incurred in a prior plan year

– Expenses for non-disabled children 13 and older

– Educational expenses including kindergarten or private school tuition fees

– Food, clothing, sports lessons, field trips, and entertainment

– Overnight camp expenses

– Late payment fees for child care

For a full list of eligible expenses, go to www.flexfacts.com.

Online & Mobile Access

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

– 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 dependent care FSA before you can spend them.

– You can’t change your election amount during the plan year, unless you experience a change in status or qualifying event.

– Keep your receipts, you will need an itemized invoice for all reimbursement requests.

– The easiest way to manage your account is online at www.healthierbenefits.com or through the IMS Flex Wealthcare Mobile App.

– Any unused funds that remain in your account at the end of the year will be forfeited. Plan carefully and use all the money in your dependent care FSA by the end of the plan year.

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 WEX Health Debit Card linked to their FSA. Employees can use their card for eligible purchases where 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

Comprehensive list of eligible expenses can be found at www.flexfacts.com.

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.

 

 

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

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

A personal tax-free savings account for healthcare expenses and investing. 

Save money with an HSA

You can reduce your taxable income and increase your take-home pay. Just enroll and you’ll start saving money on eligible health care expenses for you, your spouse and your tax dependents.

Eligible expenses may include deductibles, copays, coinsurance and prescriptions. Plus, vision and dental care, too.

With an HSA, you can contribute up to $4,400/individual and $8,750/family (pretax) annually. If you are 55 or older, you can contribute an extra $1,000. These funds can earn interest and provide a few other benefits, too:

— Your unused funds roll over from year to year.
— Your HSA always stays with you. It isn’t tied to an employer, health plan or retirement.
— If you have an HSA elsewhere, you can transfer the balance to your new one.

Plus, you’ll enjoy extra savings on eligible over-the-counter health care items through CVS Pharmacy online. This gives you more purchasing power.

Pay the Inspira way

Once funds are available in your HSA, Inspira makes it easy to pay for your eligible expenses.

Pay with your Inspira Card: When you use it, your expense is automatically paid from your account.

Pay yourself back: Pay for eligible expenses with cash, a check or your personal credit card. Then withdraw funds from your HSA to pay yourself back and have your payment deposited directly into your checking or savings account.

Pay your provider: You may pay your provider directly from your account.

Take care of your HSA and it could grow

You can use your HSA to help maximize your savings — make tax-free contributions and tax-free withdrawals, while gaining tax-free growth.**

Once you reach the minimum balance, you can open an investment account and choose from a variety of mutual funds.

Are you eligible for an HSA?

You’re eligible once you’re enrolled in a qualified high-deductible health plan, with a few exceptions. You may not have:

— Medicare or TRICARE

— Other health coverage that pays out-of-pocket health care expenses before you meet your plan deductible

— A general-purpose health care flexible spending account or health reimbursement arrangement in the same year

— Veterans Affairs medical benefits used in the last three months, unless the hospital care or medical services were for a service-connected disability

— Someone claim you as a dependent on their tax return

HSA tips for you

Check IRS contribution limits and common eligible expense items on InspiraFinancial.com

Save your itemized statements, detailed receipts and any Explanation of Benefits statements for your expense records.

If you use your HSA for ineligible expenses, you’ll need to pay income taxes. Plus, a 20% penalty tax on that amount, unless you’re age 65 or older or disabled at the time.

Keep it simple with the Inspira Mobile app

— Manage your account and view alerts.

— Make payments, withdrawals and deposits.

— Use our barcode scanner to see if an item is an eligible expense.

Download the mobile app: Apple App Store | Google Play Store

Want to learn more?

Just visit InspiraFinancial.com or call us at 1-844-729-3539 (TTY: 711). We’re here to help Monday through Friday, 7 AM to 7 PM CT, and Saturday, 9 AM to 2 PM CT.

IN-PERSON

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.

ANNUAL ENROLLMENT PERIOD: APRIL 14, 2026 – APRIL 30, 2026

ELIGIBILITY:

-Employees must work in a full-time equivalent position of .5 or greater to participate in benefits.

IMPORTANT NOTICES:

– When do my benefits start? The plan year for Colonial Life Insurance Products, Anthem Health, Inspira Financial Health Savings Account, Flex Facts Flexible Spending Accounts, Delta Dental, and EyeMed Vision runs from July 1, 2026, through June 30, 2027. Please Note: Health Insurance benefits are based on the Calendar Year, running from January 1st through December 31st. Health benefits and deductibles will reset every January 1st.

– When do my deductions start? Deductions for Colonial Life Insurance Products, Anthem Health, Inspira Financial Health Savings Account, Flex Facts Flexible Spending Accounts, Delta Dental, and EyeMed Vision start July 2026 for enrolled 24-month employees and August 2026 for enrolled 20-month 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 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.

– 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 includes a grace period which is an additional 2.5 months (running July 1, 2027, through September 15, 2027), during which you can incur eligible expenses that can be reimbursed. Therefore, you have from July 1, 2026, through September 15, 2027, to incur qualified expenses eligible for reimbursement. If you do not incur qualified expenses by September 15, 2027, and/or file by September 30, 2027, any contributions are 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. 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, 2027, through September 15, 2027), during which you can incur eligible expenses that can be reimbursed. Therefore, you have from July 1, 2026, through September 15, 2027, to incur qualified expenses eligible for reimbursement. If you do not incur qualified expenses by September 15, 2027, and/or file by September 30, 2027, 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 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 a Mid-Year Event 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.

 

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

– Enroll, change or cancel your Health Insurance.⁺

– Enroll, change or cancel your Health Savings Accounts.⁺

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

– Enroll, change or cancel your Dental Insurance.⁺

– Enroll, change or cancel your Vision Insurance.⁺

– Enroll, change or cancel your Colonial coverage.

⁺You will need to re-enroll in Health Insurance, Health Savings Accounts, Flexible Spending Accounts, Dental Insurance, and Vision Insurance if you want these benefits to continue each year.

 

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.

PRE-TAX BENEFITS

– 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)
Employer contributes $1,500 per year to eligible employees accounts.

– Medical Reimbursement Maximum: $3,400/year
– Dependent Care Reimbursement Maximum: $7,500/year
– Limited Purpose Reimbursement Maximum: $3,400/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, 2026

 

POST-TAX BENEFITS

– Term Life Insurance
– Whole Life Insurance

 

 

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

 

Enrollment Period: APRIL 14, 2026 – APRIL 30, 2026

Effective Dates: JULY 1, 2026 – JUNE 30, 2027

Colonial Life

• File A Claim
• Colonial Service Forms
• GTL Employee Assistance Program
• GTL Life Planning Services
  (Organization Name: ColonialLife-LifePlanning)

Dental

• Sun Life Contact Information
• Sun Life Member Login

Vision

• Superior Contact Information
• Superior Provider Search
• Superior Discounts

Telemedicine

• Call A Doctor Plus Enrollment Website
• Teladoc – Talk to a doctor in minutes
• Health Advocate – Help for life’s challenges
• NPSN Pharmacy Discount Card – Save on medication
• NPSN Pharmacy Provider Search
• Teladoc Contact Information
• Teladoc Member Login

Student Loan Assistance Program

• GradFin Website

Pet Insurance

• Nationwide Pet Insurance Website

Flex Accounts

• Ameriflex Spending Account Claim Form 
• Ameriflex Contact Information 
• Ameriflex Member Login / Check Your Balance 
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