FLEX SPENDING AND HEALTH SAVINGS WITH ZERO GUESSWORK

Your Health, Your Funds, Your Choice — Simplified

Take control of your health and wellness with guaranteed FSA- and HSA-eligible essentials. Pierce Group Benefits partners with the FSA Store and HSA Store to provide convenience and savings to Flexible Spending Account and Health Savings Account holders. Our goal is to help you manage and use your funds, save on more than 4,000 health and wellness products, maximize long-term health savings, and help ease the financial burden of medical expense. Through our partnership, we’re also here to help answer the many questions that come along with having a Flexible Spending Account or a Health Savings Account!

– The largest selection of guaranteed FSA- and 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 FSA card, HSA card, or any other major credit card for purchases

Other Great Resources Available To You

– Eligibility List: A comprehensive list of eligible products and services

FSA Eligibility List   |   HSA Eligibility List

– Savings Calculator: Estimate how much you can save with an FSA or HSA

FSA Savings Calculator   |   HSA Savings Calculator

– Learning Center: Easy tips and resources for living with an FSA or HSA

FSA Learning Center   |   HSA Learning Center

– Savings Center: Where you can save even more on FSA- and HSA-eligible essentials

FSA Savings Center   |   HSA Savings Center

– Rewards Program: Take your health and funds further with FSAPerks and HSAPerks

FSAPerks   |   HSAPerks

Accessing each store is easy. Simply visit www.FSAstore.com or www.HSAstore.com! BONUS: Get $20 off any order of $150+ with code PGB20FSA on the FSA Store and PGB20HSA on the HSA Store (one use per customer).

NEED HELP? WE’VE GOT YOU COVERED!

FSA Store Customer Service   |   HSA Store Customer Service

FSA Store Frequently Asked Questions   |   HSA Store Frequently Asked Questions

Save up to $1,500 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 $5,000 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 $1,500 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.

Don’t lose the chance to put $800 back into your pocket this year!

Participating in a healthcare flexible spending account (FSA) is like receiving a 30% discount from your medical providers.

How does a healthcare FSA work?

A healthcare FSA is a flexible spending account that allows you to set aside pre-tax dollars for eligible medical, dental, and vision expenses for you and your dependents, even if they are not covered under your primary health plan.

You choose an annual election amount. At the beginning of the plan year, your account is pre-funded and your full contribution is immediately available for use. Your election amount is then deducted from your paychecks in equal installments throughout the year.

Why should I enroll in a healthcare FSA?

Almost everyone has some level of predictable and non-reimbursable medical needs.

If you expect to incur medical expenses that won’t be reimbursed by another plan, you’ll want to take advantage of the savings this plan offers. Money contributed to a healthcare FSA 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 $800 per year on healthcare expenses!

How do I use my FSA to pay for healthcare expenses?

You can use your Flex Facts debit card to pay your providers for eligible healthcare expenses, or pay with your personal funds and submit a claim for reimbursement.

Qualifying Expenses

What qualifies?

Healthcare FSA funds can cover costs for:

– Copays, deductible payments, coinsurance

– Doctor office visits, exams, lab work, x-rays

– Hospital charges y Prescription drugs

– Dental exams, x-rays, fillings, crowns, orthodontia

– Vision exams, frames, contact lenses, contact lens solution, laser vision correction

– Physical therapy y Chiropractic care

– Medical supplies and first aid kits

– Over-the-counter medications

What doesn’t qualify?

Certain expenses are not eligible, for instance:

– Expenses incurred in a prior plan year

– Cosmetic procedures or surgery

– Dental products for general health

– Hygiene products

– Insurance premiums

– Late payment fees charged by healthcare providers

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

– Save your receipts when you spend your healthcare FSA dollars. You may need itemized invoices to verify the eligibility of expenses or for reimbursement requests.

– If your employment terminates before the end of the plan year, your account will terminate unless you are
eligible for, and elect, COBRA coverage.

– Any unused funds that remain in your account at the end of the year will be forfeited. However you may be able to carry over up to $610 of unused healthcare FSA dollars to the next plan year.

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

– You can’t contribute to an FSA and an HSA within the same plan year. As a married couple, one spouse cannot be enrolled in an FSA at the same time the other is contributing to an HSA.

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

An HSA is a personal savings account that allows you to set aside pre-tax dollars for current and future healthcare expenses for you and your dependents, even if they are not covered under your primary health plan. You are eligible to open an HSA if you are also enrolled in an HSA-eligible high-deductible health plan.

You choose an annual election amount, up to $3,650 for individuals and $7,300 for families. The money is placed in your account via payroll deduction, online banking transfer, or a direct contribution. Once your account is funded, you can choose to use the money to pay for current healthcare expenses or keep the funds in your account and watch your savings grow.

If you are 55 or over, you have the option to contribute an additional $1,000 annually.

As a married couple, one spouse cannot be enrolled in an FSA at the same time the other is contributing to an HSA.

Why Should I enroll in an HSA?

High-deductible health plans typically have lower monthly premiums and greater out-of-pocket costs. An HSA helps ensure you have money set aside to pay for out-of-pocket healthcare expenses.

But an HSA is also a powerful investment vehicle and can be a smart addition to your retirement strategy. What makes an HSA such a great retirement investment tool? Simply put, money goes into an HSA tax-free, grows tax-free, and comes out tax free. That means you will never be taxed when you use HSA dollars for qualified medical expenses. No other investment account offers this benefit!

How much can you potentially save for retirement? See below!

Qualifying Expenses

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

– Copays, deductible payments, coinsurance

– Doctor office visits, exams, lab work, x-rays

– Hospital charges

– Prescription drugs y Dental exams, x-rays, fillings, crowns, orthodontia

– Vision exams, frames, contact lenses, contact lens solution, laser vision correction

– Physical therapy

– Chiropractic care

– Medical supplies and first aid kits

– Prescribed over-the-counter medications

– COBRA premiums

– And much more…

What doesn’t qualify?

Certain expenses are not eligible, for instance:

– Expenses incurred prior to opening your HSA

– Cosmetic procedures or surgery

– Dental products for general health

– Personal hygiene products

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

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

– Make contributions

– Invest HSA funds

– View important alerts and communications

– Sign up for direct deposit

– Sign up for text message alerts

Register for the Flex Facts Participant Portal at www.flexfacts.com. Download the Flex Facts Mobile App on the App Store or Google Play Store.

Helpful Hints

–

HELPFUL TIPS:

– If you are a new employee and unable to log into the online system, please speak with the Benefits Representative assigned to your location, or contact Human Resources.

– If you are an existing employee and unable to log into 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.

COMPLETE THE STEPS BELOW TO BEGIN THE ENROLLMENT PROCESS: 

1. Go to: https://harmonyenroll.coloniallife.com
– Enter your User Name: CH09 and then Last Name and then Last 4 of Social Security Number (CH09SMITH6789)
– Enter your Password: Four digit Year of Birth and then Last 4 of Social Security Number (19766789)
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.

2. The screen prompts you to create a NEW password [__________].

3. Choose a security question and enter answer [__________].

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

5. The screen shows ‘Me & My Family’. Verify that the information is correct and enter the additional required information (title, marital status, work phone, e-mail address). Click ‘Save & Continue’ twice.

6. 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 ‘Continue’.

7. The screen shows updated personal information. Verify that the information is correct and make changes if necessary. Click ‘Continue’.

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

– HEALTH SAVINGS ACCOUNT (Choose one of the options and click ‘Save & Continue’): Enter annual amount. EMPLOYEE MAX $3,850/year FAMILY MAX $7,750/year
HSA plans can only be established in conjunction with a qualified High-Deductible Health Plan (HDHP)

– HEALTH CARE FSA (Choose one of the options and click ‘Save & Continue’): Enter annual amount. MAX $3,050

– DEPENDENT CARE FSA (Choose one of the options and click ‘Save & Continue’): Enter annual amount. MAX $5,000/year

– CANCER ASSIST
You may enroll online in Cancer Assist coverage.

– DISABILITY 3000
You may enroll online in Disability 3000 coverage.

– ACCIDENT 1.0
You may enroll online in Accident 1.0; however, persons over age 64 applying for coverage and employees wishing to purchase an individual policy for their spouse should speak with the Benefits Representative.

– MEDICAL BRIDGE
You may enroll online in Medical Bridge coverage.

– CRITICAL ILLNESS 6000
You may enroll online in Critical Illness 6000 coverage.

– TERM LIFE 5000
You may enroll online in Term Life 5000; however, employees wishing to purchase an individual policy for their spouse should speak with the Benefits Representative.

– WHOLE LIFE 5000 Plus
You may enroll online in Whole Life 5000 Plus; however, employees wishing to purchase an individual policy for their spouse should speak with the Benefits Representative.

9. Click ‘Finish’.

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

11. 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!

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

IN-PERSON

During your open enrollment period, a Pierce Group Benefits representative will be available by appointment to answer any questions you may have and to assist you in the enrollment process.

ONLINE

You may enroll or make changes online to your flexible benefits plan. To enroll online, please visit: https://harmonyenroll.coloniallife.com

ENROLLMENT PERIOD: MAY 2, 2023 – MAY 12, 2023

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

– Enroll in, change or cancel Health Savings Account (HSA).

– Enroll/Re-Enroll in Flexible Spending Accounts** (Medical Reimbursement and Dependent Care).

– Enroll in, change or cancel Colonial coverage.

*Employees who are currently enrolled in a Colonial policy will be able to go online and self-enroll in additional supplemental benefits or make changes to your current benefit elections, including enrollment/re-enrollment in your flexible spending accounts. You may also elect to meet with a benefit counselor for assistance.

Employees who are not currently enrolled in a Colonial policy will not be able to self-enroll in your benefits. You will need to meet with a benefit counselor during open enrollment to enroll/re-enroll in your flexible spending accounts or elect new Colonial policies.

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

ACCESS YOUR BENEFITS ONLINE WHENEVER, WHEREVER.

You can view details about your benefits, view educational videos about all of your benefits, download forms, chat with one of our knowledgeable Service Center Specialists, and more on your personalized Pierce Group Benefits website. Our website is also mobile friendly, making it easy to view your plan information on the go!

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 this booklet including premiums quoted is subject to change. All policy descriptions are for information purposes only. Your actual policies may be different than those in this booklet.

Pre-Tax Benefits

Health Savings Accounts: Flex Facts
– Employee Maximum $3,850/year
– Family Maximum $7,750/year
HSA plans can only be established in conjunction with a qualified High-Deductible Health Plan (HDHP)

Flexible Spending Accounts: Flex Facts
– Medical Reimbursement Maximum: $3,050/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 JUNE 30, 2023.

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

 

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 2, 2023 – MAY 12, 2023

Effective Dates: JULY 1, 2023 – JUNE 30, 2024

 

QUALIFICATIONS:

– Employees must work a minimum of 35 hours per week to be eligible for benefits.

IMPORTANT FACTS:

– The plan year for Health Savings Accounts, Spending Accounts and Colonial Insurance products lasts from July 1, 2023 through June 30, 2024.

– Deductions for Health Savings Accounts and Spending Accounts will begin July 2023. Deductions for Colonial Insurance products will begin June 2023.

– Health FSA Rollover Provision: Your employer provides the rollover option for your FSA plan. Please see the Flexible Spending Account section of your benefit booklet for more information on this provision. Participants must re-elect coverage for any of the rollover funds (up to $610) to be rolled over into the new plan year. Failure to elect an FSA account will result in a “Use It or Lose It” scenario.

– 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.

– 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.

– Elections made during this enrollment period CANNOT BE CHANGED AFTER THE ENROLLMENT PERIOD unless there is a family status change as defined by the Internal Revenue Code. Examples of a family status change are: marriage, divorce, death of a spouse or child, birth or adoption of a child, termination or commencement of a spouse’s employment, or the transition of spouse’s employment from full-time to part-time, or vice-versa. Once a family status change has occurred, an employee has 30 days to notify the Pierce Group Benefits Service Center at 1-800-387-5955 to request a change in elections.

– Flexible Spending Account expenses must be incurred during the Plan Year in order to be eligible for reimbursement.

– An employee has 90 days after the plan year ends to submit claims for spending account expenses that were incurred during the plan year. Please note that if employment terminates during the plan year, that employee’s plan year ends the day employment ends. The employee has 90 days after the termination date to submit claims.

– With Dependent Care Flexible Spending Accounts, the maximum reimbursement you can request is equal to the current account balance in your Dependent Care account. You cannot be reimbursed more than has actually been deducted from your pay.

– 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.

– The Health Screening Rider on the Colonial Medical Bridge plan has a 30-day waiting period for new enrollees. Coverage, therefore, will not begin until July 31, 2023.

– Additionally, some policies may include a pre-existing condition clause. Please read your policy carefully for full details.

– Please be aware there are certain coverages that may be subject to federal and state tax when premium is paid by pretax deduction or employee contribution.

– An employee taking a leave of absence, other than under the Family & Medical Leave Act, may not be eligible to re-enter the Flexible Benefits Program until the next plan year. Please contact your Benefit Administrator for more information.

Available 24/7, 365 days a year.

Life can be full of challenges. Your Anthem Employee Assistance Program (EAP) is here to help you and your household members. EAP offers a wide range of no-cost support services and resources, including:

Counseling

– Up to 4 visits per issue
– In-person or online visits
–  Call EAP or use the online Member Center to initiate services

Legal consultation

– 30-minute phone or in-person meeting
– Discounted fees to retain a lawyer
– Free legal resources, forms, and seminars online

Financial consultation

– Phone meeting with financial professionals
– Regular business hours; no appointment required
– Free financial resources and budgeting tools online

ID recovery

– Help reporting to consumer credit agencies
– Assistance with paperwork and creditor negotiations

myStrength

– Online “health club for your mind”
– E-learning modules and mood trackers
– Library of videos, articles and inspirational quotes
– Supports development of personal action plans

Dependent care and daily living resources

– Online information about child care, adoption, elder care, and assisted living
– Phone consultation with a work-life specialist
– Help with pet sitting, moving, and other common needs

Other anthemEAP.com resources

– Well-being articles, podcasts, and monthly webinars
– Self-assessment tools for emotional health issues

Crisis consultation

– Toll-free emergency number; 24/7 support
– Online critical event support during crises

When something unexpected happens, EAP can help you figure out your next steps. Contact us today.

We are ready to support you! You can call us at 800-865-1044, or go to anthemEAP.com and enter your company code:

Colonial Life

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

Health, Dental, Vision

• Anthem TLC Website
• The Local Choice VA 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)

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

Student Loan Assistance Program

• GradFin Enrollment Portal

Health Savings 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 HSA Store
• The HSA Store Contact Information
• The HSA Store Eligibility List

HEALTH SAVINGS WITH ZERO GUESSWORK

Your Health, Simplified

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

Shop HSA Eligible Products Through Our Partnership with The HSA Store!

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

 

NEED HELP? WE’VE GOT YOU COVERED!

HSA Store Customer Service

HSA Store Frequently Asked Questions

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

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.

HELPFUL TIPS:

– If you are a new employee and unable to log into the online system, please speak with the Benefits Representative assigned to your location, or contact Human Resources.

– If you are an existing employee and unable to log into 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.

COMPLETE THE STEPS BELOW TO BEGIN THE ENROLLMENT PROCESS: 

1. Go to: https://harmonyenroll.coloniallife.com
– Enter your User Name: HALCPS- and then Employee ID
– Enter your Password: First Initial and then Last Name and then 4 Digit Year of Birth
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.

2. The screen prompts you to create a NEW password [__________].

3. Choose a security question and enter answer [__________].

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

5. The screen shows ‘Me & My Family’. Verify that the information is correct and enter the additional required information (title, marital status, work phone, e-mail address). Click ‘Save & Continue’ twice.

6. 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 ‘Continue’.

7. The screen shows updated personal information. Verify that the information is correct and make changes if necessary. Click ‘Continue’.

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

– HEALTH SAVINGS ACCOUNT (Choose one of the options and click ‘Save & Continue’):
Enter annual amount. EMPLOYEE MAX $3,850/year (Minimum $20/pay period)*
FAMILY MAX $7,750/year (Minimum $20/pay period)*
HSA plans can only be established in conjunction with a qualified High-Deductible Health Plan (HDHP)
` Halifax County Public Schools will contribute $20 per pay period to an employee’s HSA.
*Employees must contribute a minimum of $20 per pay period to receive employer contribution.

– DENTAL: You may enroll online in Dental coverage (stand-alone policy).

– VISION: You may enroll online in Vision coverage (stand-alone policy).

– CANCER ASSIST
You may enroll online in Cancer Assist coverage.

– DISABILITY – EDUCATOR 1.0
You may enroll online in Educator 1.0 coverage.

– ACCIDENT 1.0
You may enroll online in Accident 1.0; however, persons over age 64 applying for coverage and employees wishing to purchase an individual policy for their spouse should speak with the Benefits Representative.

– MEDICAL BRIDGE
You may enroll online in Medical Bridge coverage.

– CRITICAL ILLNESS 6000
You may enroll online in Critical Illness 6000 coverage.

– TERM LIFE 5000
You may enroll online in Term Life 5000; however, employees wishing to purchase an individual policy for their spouse should speak with the Benefits Representative.

– WHOLE LIFE 5000 Plus
You may enroll online in Whole Life 5000 Plus; however, employees wishing to purchase an individual policy for their spouse should speak with the Benefits Representative.

9. Click ‘Finish’.

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

11. 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!

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

IN-PERSON

During your open enrollment period, a Pierce Group Benefits representative will be available by appointment to answer any questions you may have and to assist you in the enrollment process.

ONLINE

You may enroll or make changes online to your flexible benefits plan. To enroll online, please visit: https://harmonyenroll.coloniallife.com

ENROLLMENT PERIOD: MAY 2, 2023 – MAY 16, 2023

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

– Enroll in, change or cancel Health Savings Account (HSA).

– Enroll in, change or cancel Dental Insurance (Delta stand-alone policy).

– Enroll in, change or cancel Vision Insurance (EyeMed stand-alone policy).

– Enroll in, change or cancel Colonial coverage.

THE FOLLOWING BENEFIT ELECTIONS MUST BE MADE WITH YOUR BENEFITS REPRESENTATIVE DURING THE ENROLLMENT PERIOD AND ARE NOT AVAILABLE FOR ONLINE ENROLLMENT.

– Enroll in, change or cancel The Local Choice benefits (Anthem Health, Delta Dental & Blue View Vision)

PLEASE NOTE: If you are making changes to The Local Choice election, do not forget to print out the application, sign, and return it to the Benefits Counselor assigned to your location, or Dr. Karen Bucklew at the Main Office.

ACCESS YOUR BENEFITS ONLINE WHENEVER, WHEREVER.

You can view details about your benefits, view educational videos about all of your benefits, download forms, chat with one of our knowledgeable Service Center Specialists, and more on your personalized Pierce Group Benefits website. Our website is also mobile friendly, making it easy to view your plan information on the go!

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 this booklet including premiums quoted is subject to change. All policy descriptions are for information purposes only. Your actual policies may be different than those in this booklet.