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.

LEARN HOW TO MAKE THE MOST OF YOUR BENEFITS.

A health plan with a Health Savings Account (HSA) gives you access to many doctors and hospitals in your plan and helps pay for your costs when you need care. This plan also comes with a spending account and debit card you can use to pay for certain medical expenses. Let’s take a closer look at how your HSA works and how to make the most of it.

Activate your debit card

Your debit card will arrive in the mail. Once you activate it, use your debit card to pay for medical expenses like copays, lab tests, deductibles, prescriptions, hospital visits, urgent and emergency care, your percentage of the costs (coinsurance).

See a full list of qualified medical and dental expenses at irs.gov/pub502.

Register on Anthem.com

Register at anthem.com and download our mobile app. From there you’ll be able to:

– View all your plan benefits, account balance and review your claims.

– Set your account preferences and keep your email address updated so we can send you plan information. You’ll also want to opt in to receive eStatements and avoid paying a monthly paper statement fee.

– Set up one-time or reoccurring tax-free contributions to your account. Transfer money from your personal bank account or automatically deduct funds from your paycheck if offered by your employer. Visit irs.gov/pub969 to see the maximum amount you’re allowed to add to your HSA this year.

– Check out the How it all Works tab to learn more about all the benefits your HSA offers. Get tips, watch a i video or use a spending account calculator to help manage your expenses for the year.

More perks of your HSA

– The money you put into your HSA, the interest you earn, and even the money you take out to pay for health care costs is all tax-free.

– All the money in your HSA rolls over from year to year, and it’s yours even if you change health plans, jobs or retire.

– You can earn rewards by taking certain steps to improve your health.

– If you’re 55 or older you can contribute an extra $1,000 a year.

Check out how it all works

Learn about all the benefits your plan offers and the tools that will help you manage your health care i expenses. Just log in at anthem.com and select Spending Accounts under the Menu tab.

Questions about your HSA? Contact Member Services anytime at the number on the back of your ID card or HSA debit card.

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 Pierce Group Benefits at 888-662-7500 between 8:30am and 5:00pm, or speak with the Benefits Representative assigned to your location.

COMPLETE THE STEPS BELOW TO BEGIN THE ENROLLMENT PROCESS: 

1. Go to: https://harmony.benselect.com/hopewell
– Enter your User Name: Social Security Number with or without dashes (ex. 123-45-6789 or 123456789)
– Enter your PIN: Last 4 numbers of your Social Security Number followed by last 2 numbers of your Date of Birth year (ex. 678970)
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 PIN [__________].

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

4. Confirm (or enter) an email address.

5. Click on ‘Save New PIN’ to continue to the enrollment welcome screen.

6. From the welcome screen click “Next”.

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

– HEALTH BENEFITS: You may enroll online in Health coverage.

– DENTAL: You may enroll online in Dental coverage.

– VISION: You may enroll online in Vision coverage.

– 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
Please Note: HSA plans can only be established in conjunction with a qualified High-Deductible Health Plan (HDHP)
*Hopewell City Public Schools contributes $1,800 per benefit year to an HSA, per employee enrolled in the High Deductible Health Plan (HDHP).

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

– LEGAL PLAN: Employees may access the Pre-Paid Legal forms on the BenSelect enrollment system, or meet with the Benefits Representative during the enrollment period to enroll or make changes.

– 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.

10. Click ‘Sign & Submit’ once you have decided which benefits to enroll in.

11. Review your coverage. If any items are ‘Pending’, you will need to decide whether to enroll or decline this benefit.

12. Click ‘Next’ to review and electronically sign the authorization for your benefit elections.

13. Review the confirmation, then if you are satisfied with your elections, enter your PIN and click ‘Sign Form’.

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

15. 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://harmony.benselect.com/hopewell

ENROLLMENT PERIOD: APRIL 24, 2023 – MAY 19, 2023

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

– Enroll in, change or cancel Health Insurance.

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

– Enroll in, change or cancel Dental Insurance.

– Enroll in, change or cancel Vision Insurance.

– Enroll/Re-Enroll in Flexible Spending Accounts (Dependent Care).

– Enroll in, change or cancel your Pre-Paid Legal (DIRECT BILLING ONLY*).**

– Enroll in, change or cancel Colonial coverage.

You will need to re-sign for the Flexible Spending Accounts if you want them to continue each year.

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

**Please see the coordinating pages of your benefit booklet/back cover for enrollment instructions and/or contact information for the Legal plan.

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 Insurance: Anthem

Dental Insurance: Anthem

Vision Insurance: UnitedHealthcare

Health Savings Accounts: Anthem
– 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)
Hopewell City Public Schools contributes $1,800 per benefit year to an HSA, per employee enrolled in the High Deductible Health Plan (HDHP).

Dependent Care Flexible Spending Accounts: Flex Facts
– Dependent Care Reimbursement FSA Maximum: $5,000/year
You will need to re-enroll in the Dependent Care 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

Pre-Paid Legal Plan: Legal Resources (Direct Billing Only)

 

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

 

Enrollment Period: APRIL 24, 2023 – MAY 19, 2023

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

 

QUALIFICATIONS:

– Employees must work 20 hours or more per week.

IMPORTANT FACTS:

– The plan year for Anthem Health, Anthem Dental, UnitedHealthcare Vision, Health Savings Accounts, Dependent Care Flexible Spending Accounts, Colonial Insurance products, and Legal Resources Pre-Paid Legal Plan lasts from July 1, 2023 through June 30, 2024.

– Deductions for Anthem Health, Anthem Dental, and UnitedHealthcare Vision will begin June 2023. Deductions for Health Savings Accounts, and Dependent Care Flexible Spending Accounts, and Colonial Insurance products will begin July 2023. The Legal Resources Pre-Paid Legal plan is available by Direct Billing only. No deductions will be taken via payroll deduction.

– 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 booklet for more details and contact information.

– 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.

– Dependent Care 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.

Colonial Life

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

Health, Dental, Vision

• Anthem TLC Website 
• Privacy Notice 
• Marketplace Notice 
• Women’s Health and Cancer Notice 
• Adverse Benefit Determination Notice 

Dental (Stand-Alone)

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

Vision (Stand-Alone)

• Blue View Vision Contact Information 
• Blue View Vision Provider Search 

Student Loan Assistance Program

• GradFin Enrollment Portal

Health Savings Account

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

Flex Account

• Ameriflex Spending Account Claim Form 
• Ameriflex Contact Information 
• Ameriflex Member Login / Check Your Balance 
• Mobile App Download: Apple App Store | Google Play Store 

 

LIFE JUST GOT EASIER

When life throws you curve balls, your Anthem Employee Assistance Program (EAP) is here to help you balance your life like a pro.

We’re all ears. Sometimes meeting face to face with a professional is the best way to resolve a personal, financial or emotional issue. Your EAP covers up to 4 free counseling visits per issue per plan year. Just call 1-855-223-9277 to get started with complete confidentiality.

Think of your EAP as an extra set of hands. Your EAP goes beyond free counseling. It’s a resource for so much more, including:

– Financial counseling and free online resources
– Legal services and free forms including wills, advance directives, bills of sale, etc.
– Child and elder care referral resources
– Parenting guidance
– Career development
– Pet care resources
– Online seminars for many topics

Visit AnthemEAP.com to learn about all the things your EAP can do for you.

Anthem EAP is available to Anthem-covered employees, covered dependents, and any household members.

1-855-223-9277
www.AnthemEAP.com (Log in: Commonwealth of Virginia – then select The Local Choice)

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

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.

Start saving more on healthcare.

A Health Savings Account (HSA) is an individually-owned, tax‐advantaged account that you can use to pay for current or future IRS‐qualified medical expenses. With an HSA, you’ll have the potential to build more savings for healthcare expenses or additional retirement savings through self-directed investment options.

How an HSA works:

– You can contribute to your HSA via payroll deduction, online banking transfer, or by sending a personal check to HSA Bank. Your employer or third parties, such as a spouse or parent, may contribute to your account as well.

– You can pay for qualified medical expenses with your Health Benefits Debit Card directly to your medical provider or pay out-of-pocket. You can either choose to reimburse yourself or keep the funds in your HSA to grow your savings.

– Unused funds will roll over year to year. After age 65, funds can be withdrawn for any purpose without penalty (subject to ordinary income taxes).

– Check balances and account information via HSA Bank’s Member Website or mobile device 24/7.

Are you eligible for an HSA?

If you have a qualified High Deductible Health Plan (HDHP) – either through your employer, through your spouse, or one you’ve purchased on your own – chances are you can open an HSA. Additionally:

– You cannot be covered by any other non-HSA-compatible health plan, including Medicare Parts A and B.

– You cannot be covered by TriCare.

– You cannot be claimed as a dependent on another person’s tax return (unless it’s your spouse).

– You must be covered by the qualified HDHP on the first day of the month. When you open an account, HSA Bank will request certain information to verify your identity and to process your application.

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 www.hsabank.com

HSA Bank Mobile

Health savings in the palm of your hand! To get started, follow these three simple steps.

1. Create Your Username and Password – Register on the Member Website.
2. Download HSA Bank Mobile – At Google Play or the App Store.
3. Login to HSA Bank Mobile – Start managing your account on the go.

Visit hsabank.com or call the number on the back of your debit card for more information.

Small steps can make a big difference!

Can’t contribute much to your HSA this year? That’s OK! You can start small, but start now. Small contributions to your HSA can really help you build a financial safety net for retirement.

Tip: Use the HSA Contribution Calculator to plan savings at hsabank.com/calculators.

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 Pierce Group Benefits at 888-662-7500 between 8:30am and 5:00pm, or speak with the Benefits Representative assigned to your location.

COMPLETE THE STEPS BELOW TO BEGIN THE ENROLLMENT PROCESS: 

1. Go to: https://harmony.benselect.com/pgs
– Enter your User Name: Social Security Number with or without dashes (ex. 123-45-6789 or 123456789)
– Enter your PIN: Last 4 numbers of your Social Security Number followed by last 2 numbers of your Date of Birth year (ex. 678970)
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 PIN [__________].

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

4. Confirm (or enter) an email address.

5. Click on ‘Save New PIN’ to continue to the enrollment welcome screen.

6. From the welcome screen click “Next”.

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

– DEPENDENT CARE FSA: Enter annual amount. MAX $5,000/year

–  DENTAL: You may enroll online in the Dental stand-alone policy.

– VISION: You may enroll online in the Vision 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.

10. Click ‘Sign & Submit’ once you have decided which benefits to enroll in.

11. Review your coverage. If any items are ‘Pending’, you will need to decide whether to enroll or decline this benefit.

12. Click ‘Next’ to review and electronically sign the authorization for your benefit elections.

13. Review the confirmation, then if you are satisfied with your elections, enter your PIN and click ‘Sign Form’.

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

15. 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://harmony.benselect.com/pgs

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 Dental Insurance. (Delta stand-alone policy).
– Enroll in, change or cancel Vision Insurance (Blue View Vision stand-alone policy).
– Enroll/Re-Enroll in Flexible Spending Accounts (Dependent Care).
– Enroll in, change or cancel Colonial coverage.

You will need to re-enroll in the Dependent Care 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 Insurance: The Local Choice – Anthem

Dental Insurance: The Local Choice – Delta Dental of VA

Vision Insurance: The Local Choice – Blue View Vision

Dental Insurance: Delta Dental of VA (Stand-Alone Policy)

Vision Insurance: Blue View Vision (Stand-Alone Policy)

Health Savings Accounts: HSA Bank
– 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)
Prince George County Public Schools contributes the following amounts to your Health Savings Account:
Employee Only – $1,500 / Employee + Spouse -$1,750 / Employee + Child – $1,750 / Employee + Children – $2,000 / Employee + Family – $2,000

Flexible Spending Accounts: Ameriflex
– Dependent Care Reimbursement FSA Maximum: $5,000/year
You will need to re-sign for the Dependent Care Flexible Spending Accounts to continue for the new plan year.

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 16, 2023

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

 

QUALIFICATIONS:

– Employees must work 30 hours or more per week.

IMPORTANT FACTS:

– The plan year for The Local Choice benefits (Anthem Health, Delta Dental & Blue View Vision), Delta Dental (stand-alone policy), Blue View Vision (stand-alone policy), Health Savings Accounts, Dependent Care Flexible Spending Accounts, and Colonial Insurance products lasts from July 1, 2023 through June 30, 2024.

– Deductions for The Local Choice benefits (Anthem Health, Delta Dental & Blue View Vision), Delta Dental (stand-alone policy) and Anthem Blue View Vision (stand-alone policy) will begin June 2023. Deductions for Health Savings Accounts, Dependent Care Flexible Spending Account and Colonial Insurance products will begin July 2023.

– 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.

– Dependent Care 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 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.