HEALTH SAVINGS WITH ZERO GUESSWORK
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
– 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!
Online Account Instructions
Go to MyAmeriflex.com and click “Login” from the upper right hand corner. When prompted, select “Participant.”
Click the register button atop the right corner of the home screen.
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…
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!
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.
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.
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.
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.
– 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.
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.
– 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.
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.
2. The screen prompts you to create a NEW password [__________].
Your password must have: 1 lowercase letter, 1 uppercase letter, 1 number, and 8 characters minimum.
Your password cannot include: first name, last name, spaces, special characters (such
as ! $ % &), or User ID.
3. 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 BENEFITS: You may enroll online in The Local Choice benefits.
The Local Choice benefits include Anthem Health, Delta Dental & Blue View Vision
– HEALTH SAVINGS ACCOUNT
Enter annual amount. EMPLOYEE $3,650/year FAMILY $7,300/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 contributes $20 per monthly pay period to an employee’s HSA.
Employees must contribute a minimum of $20 per pay period to receive employer contribution.
– DENTAL BENEFITS: You may enroll online in the dental stand-alone policy.
– VISION BENEFITS: 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.
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’.
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.
You may enroll or make changes online to your flexible benefits plan. To enroll online, please visit: https://harmonyenroll.coloniallife.com
YOU CAN MAKE THE FOLLOWING BENEFIT ELECTIONS ONLINE DURING THE ENROLLMENT PERIOD:
– Enroll, change or cancel The Local Choice benefits (Anthem Health, Delta Dental & Blue View Vision).
– Enroll, change or cancel your Health Savings Account (HSA).
– Enroll, change or cancel your Vision Insurance (EyeMed stand-alone policy).
– Enroll, change or cancel your Dental Insurance (Delta stand-alone policy).
– Enroll, change or cancel your Colonial products.
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 Donna Henderson at the Main Office.
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.
Health Insurance: The Local Choice – Anthem
Dental Insurance: The Local Choice – Delta Dental of VA
Vision Insurance: The Local Choice – Blue View Vision
Health Savings Accounts: Ameriflex
– Employee Maximum: $3,650/year | Minimum: $20/pay period
– Family Maximum: $7,300/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 contributes $20 per pay period to an employee’s HSA.
Employees must contribute a minimum of $20 per pay period to receive employer contribution.
Cancer Benefits: Colonial Life
Accident Benefits: Colonial Life
Medical Bridge Benefits: Colonial Life
Dental Insurance: Delta Dental of VA (Stand-Alone Policy)
Vision Insurance: EyeMed (Stand-Alone Policy)
Disability Benefits: Colonial Life
Critical Illness Benefits: Colonial Life
Life Insurance: Colonial Life
– Term Life Insurance
– Whole Life Insurance
Please note your insurance products will remain in effect unless you speak with a representative to change them.
QUALIFICATIONS:
– Employees must work 25 hours or more per week, or be a contract employee.
IMPORTANT FACTS:
– The plan year for The Local Choice benefits (Anthem Health, Delta Dental & Blue View Vision), Health Savings Accounts, Delta Dental (stand-alone policy), EyeMed Vision (stand-alone policy) and Colonial Insurance products lasts from July 1, 2022 through June 30, 2023.
– Deductions for The Local Choice benefits (Anthem Health, Delta Dental & Blue View Vision), Delta Dental (stand-alone policy) and EyeMed Vision (stand-alone policy) will begin June 2022. Deductions for Health Savings Accounts and Colonial Insurance products will begin July 2022.
– 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.
– 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.
– 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, 2022.
– 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.
FLEX SPENDING WITH ZERO GUESSWORK
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
– 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!
Online Account Instructions
Go to MyAmeriflex.com and click “Login” from the upper right hand corner. When prompted, select “Participant.”
Click the register button atop the right corner of the home screen.
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…
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!
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.
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.
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.
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.
– 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.
The IRS determines what expenses are eligible under a DCA. Here are some examples of common eligible expenses:
– Daycare or elder care
– Before-school and after-school care
– Preschool and nursery school
– Private sitter
– Summer day camp
– Nanny service
For a full list of eligible expenses, go to myameriflex.com/eligibleexpenses.
An account for setting aside tax-free money for healthcare expenses.
Use the below information to determine if a Flexible Spending Account (FSA) is right for you and how to best take advantage of an FSA account.
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.
– 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.
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.
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 $570 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 $570 from the previous plan year, you may still elect up to the maximum contribution limit allowed under your employer’s plan.
– 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.
1. Go to: https://harmonyenroll.coloniallife.com
– Enter your User Name: TOABING- and then Last Name and then Last 4 of Social Security Number (TOABING-SMITH6789)
– 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 BENEFITS: You may enroll online in The Local Choice benefits*.
The Local Choice benefits include Anthem Health, Delta Dental & Blue View Vision
– HEALTH CARE FSA: Enter annual amount. MAX $2,850/year
– DEPENDENT CARE FSA: Enter annual amount. MAX $5,000/year
*For The Local Choice benefits, paper forms with wet signatures are required for any additions, changes or cancellations. Please print the application, sign, and return it to the Benefits Counselor assigned to your location, or Johnice Knight at the Central Office.
– 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’.
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.
You may enroll or make changes online to your flexible benefits plan. To enroll online, please visit: https://harmonyenroll.coloniallife.com
YOU CAN MAKE THE FOLLOWING BENEFIT ELECTIONS ONLINE DURING THE ENROLLMENT PERIOD:
– Enroll in The Local Choice benefits* (Anthem Health, Delta Dental & Blue View Vision).
– Enroll/Re-Enroll in Flexible Spending Accounts⁺ (Medical Reimbursement and Dependent Care).
– Enroll, change or cancel your Colonial coverage.
⁺You will need to re-sign for the spending accounts if you want them to continue each year.
*For The Local Choice benefits, paper forms with wet signatures are required for any additions, changes or cancellations. Please print the application, sign, and return it to the Benefits Counselor assigned to your location, or Johnice Knight at the Central Office.
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.