FREQUENTLY ASKED QUESTIONS

How do I check my account balance?

You can check your real-time balance online by logging into MyAmeriflex or through the MyAmeriflex Mobile App. Ameriflex also provides 24/7 access to automated account information via telephone. Call 888.868.FLEX (3539) and follow the prompts to listen to balance and transaction information for your account.

How do I access my account?

To register your account, visit myameriflex.com, select “Login to your account,” and click “HSA Participants.” Then click the “New User” link to get started. You will be asked to enter an Employee ID, which will be your Social Security number with no dashes or spaces, as well as a Registration ID, which will either be your Ameriflex Mastercard debit card number or Employer ID (AMFCONONE). If you have any questions, contact the Ameriflex Participant Services team at 888.868.FLEX (3539).

How do I reimburse myself from my HSA?

If you need to pay for an eligible expense out of pocket, you can request to reimburse yourself from your HSA or pay a provider directly from your HSA via check. To request reimbursement, click on HSA Bill Pay within your account. Next, select Pay Me and fill out the online form.

What expenses are eligible?

The IRS determines what goods and services are eligible. This will vary based on what type of account you have. Login to MyAmeriflex, click on Resources and then Find Eligible Items for a full list of eligible expenses.

How do I order a new card?

To request a replacement card for you and your dependent(s), or to report your card lost/stolen, log into MyAmeriflex and click the debit card icon on the top navigation bar.

How do I order a debit card for my dependent?

Click on your name on the top menu of your account. Next, select Add Family Member, complete the form, and click Next. Select the card icon to order a debit card for your dependent.

What happens if I don’t use my HSA account balance by the end the year?

No worries! Your account funds roll over year to year.

Can I have an FSA and an HSA?

You can’t contribute to an FSA and HSA within the same plan year. However, you can contribute to an HSA and a limited purpose FSA, which only covers dental and vision expenses.

As per IRS Publication 969, an employee covered by an HDHP and a health FSA or an HRA that pays or reimburses qualified medical expenses generally can’t make contributions to an HSA. An employee is also not HSA-eligible during an FSA Grace Period. An employee enrolled in a Limited Purpose FSA is HSA-eligible. As a married couple, one spouse cannot be enrolled in an FSA at the same time the other is contributing to an HSA. FSA coverage extends tax benefits to family members allowing the FSA holder to be reimbursed for medical expenses for themselves, their spouse, and their dependents. An HSA can also reimburse expenses for the family. This combination of two tax advantaged programs violates the “No Other Health Coverage” clause of the HSA.

How do these programs save me money on taxes?

Since the accounts are tax-advantaged, you get to leverage pre-tax payroll deductions — increasing your take-home pay and saving you money on everyday expenses. In many cases, you can experience savings of up to 40% on expenses eligible under your employer-sponsored plan.

If I leave my employer, can I still use my funds?

Yes, you own the account, even if you switch jobs, change insurance plans, or retire.

What does pre-tax dollars mean and why is this important?

Essentially, “pre-taxing,” which can be used for life insurance, disability insurance, HSA contributions, dependent care contributions, health savings account contributions and commuter account contributions, means taking income that would otherwise be taxable and diverting it to something else before (so: “pre”) is becomes taxable.

By making pre-tax contributions to an HSA, you are lowering the amount your income is taxed, which results in taking home a bigger paycheck.

Can I change my annual election amount?

HSA elections can be changed during the plan year by contacting your employer.

How can I get more information about my account?

There are several options to get more information about your account. For an overview of account features, visit myameriflex.com/participants.

You can manage your account, check your balance, file and claim anytime online through MyAmeriflex or through the MyAmeriflex App.

If you have any questions you can contact the Ameriflex Participant Services team Monday – Friday, 7:30 a.m. – 7:00 p.m. (CST).

 

Phone: 888.868.FLEX (3539)

Email: service@myameriflex.com

Chat: myameriflex.com

You made a great decision by enrolling in a health savings account (HSA)! Now that you’ve gotten the difficult decisions out of the way, use this packet to learn how to best take advantage of your account. Let’s get started!

 

HOW YOUR HSA WORKS

Your HSA is like a personal savings account for medical expenses for you, your spouse, or tax dependent(s). By simply participating in an HSA, you get to experience triple tax savings on your account contributions, investment growth, and qualified withdrawals. Remember:

1. Your money rolls over year to year and can be invested for long-term growth

2. The account is yours to keep forever, even if you switch health plans, jobs, or retire

3. Once you meet the $1,000 investment threshold, you can choose to invest your funds using 31 mutual fund investment options.

 

WHAT CAN I SPEND MY FSA FUNDS ON?

In general, you can use your HSA to pay for expenses related to medical, dental and vision that are not covered by your insurance plan. There are thousands of eligible expenses, including:

• Deductibles & copay
• Prescriptions
• Braces
• LASIK
• Glasses & Contact Lenses
• Baind-aids
• Sunscreen

 

GETTING STARTED CHECKLIST

Use this checklist to take full advantage of all the great resources made available to you through your Health Savings Account.

1. Set Up Your MyAmeriflex Account
   MyAmeriflex is where you’ll have real-time access to all of your account information, including your current balance, transaction history, payment status, and more. To register your account, visit myameriflex.com, select “Login to your account,” and click “HSA Participants.” Then click the “Register” link to get started.
2. Download Mobile App
   The MyAmeriflex App lets you access and manage your account anywhere you go, 24/7. It puts all of the great features of the MyAmeriflex Portal right at your fingertips. You can download the app on the Apple App Store and Google Play.
3. Register For Complimentary ID Theft Protection
   Ameriflex is pleased to offer our cardholders complimentary access to Mastercard’s comprehensive Identity Theft Protection program*, powered by CSID®. You can rest assured knowing that if your MyAmeriflex Debit Mastercard (or any other debit/credit cards you choose to register!) gets misplaced or stolen, you can utilize Mastercard’s industry-leading ID theft protection and restoration services for everything you may need. To register, visit myameriflex.com/IDtheftprotection.
4. Use Your Card
   You received an Ameriflex debit card that can be used to make eligible purchases. To request a replacement card for you and your dependent(s), log into MyAmeriflex and click the debit card icon on the top navigation bar.
5. Enroll For Direct Deposit
   To set up direct deposit, log into MyAmeriflex and click the Direct Deposit Options box in the top right corner of the homepage.
6. Start Spending (Or Saving!)
   You’re ready to make purchases. If you’re more of the saving type, you can let your account funds grow! Be sure to hang on to your receipts anytime you make a purchase. Login to MyAmeriflex for a full list of eligible expenses.

HELPFUL TIPS:

• If you are a new employee and unable to log into the online system, please see the Benefits Representative at your location.

• If you are an existing employee and unable to log into the online system, please contact Pierce Group Benefits at 888-662-7500 between 8:30 am and 5:00pm, or speak with your Benefits Representative at your location.

1. Go to https://harmony.benselect.com/winchester
   • 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)
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 The Local Choice benefits.
     • The Local Choice benefits include Anthem Health, Delta Dental & Blue View Vision
   • HEALTH SAVINGS ACCOUNT: Enter annual amount. EMPLOYEE $3,600/year FAMILY $7,200/year
     • HSA plans can only be established in conjunction with a qualified High Deductible Health Plan (HDHP)
     • Winchester Public Schools contributes $1,000 to the HSA for each enrolled participant in the HDHP. This is provided in a lump sum in July. New hires throughout the year will receive a pro-rated contribution amount.
   • HEALTH CARE FSA: Enter annual amount. MAX $2,750/year
   • LIMITED PURPOSE FSA: Enter annual amount. MAX $2,750/year
     • Limited Purpose FSA funds can only be used for qualifying vision, dental and orthodontia expenses
   • DEPENDENT CARE FSA: Enter annual amount. MAX $5,000/year
   • DISABILITY – EDUCATOR 1.0: You may enroll online in Educator 1.0 coverage.
   • CANCER ASSIST: You may enroll online in Cancer Assist coverage.
   • CRITICAL ILLNESS 6000: You may enroll online in Critical Illness 6000 coverage.
   • MEDICAL BRIDGE: You may enroll online in Medical Bridge coverage.
   • ACCIDENT 1.0: You may enroll online in Accident 1.0; however persons over 64 age applying for coverage and employees wishing to purchase an individual policy for their spouse must meet with the Benefits Representative
   • TERM LIFE 5000: You may enroll online in Term Life 5000; however, employees wishing to purchase an individual policy for their spouse should meet with the Benefits Representative
   • WHOLE LIFE 1000: You may enroll online in Whole Life 1000; however, employees wishing to purchase an individual policy for their spouse should meet 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. Please do not forget this important step!

    1. PLEASE NOTE: If you are making changes to your Local Choice election, do not forget to print out the application, sign, and return it to Jessica Collis at Central Office.

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/winchester

 

ENROLLMENT PERIOD: APRIL 19, 2021 – MAY 14, 2021

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 in Health Savings Account (HSA).
• Enroll/Re-Enroll in Flexible Spending Accounts+ (Medical, Limited Purpose and Dependent Care).
• Enroll, change or cancel your Colonial products.

+You will need to re-sign for the spending accounts if you want them to continue each year.

ACCESS YOUR BENEFITS ONLINE WHENEVER, WHEREVER.

 

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

 Flexible Spending Accounts*

• Medical Reimbursement Maximum $2,750/year
• Limited Purpose FSA+ Maximum $2,750/year
• Dependent Care Reimbursement Maximum $5,000/year

+Limited Purpose FSA funds can only be used for qualifying vision, dental and orthodontia expenses

 Health Savings Accounts*

• Employee Maximum $3,600/year
• Family Maximum $7,200/year

HSA plans can only be established in conjunction with a qualified High-Deductible Health Plan (HDHP)

Winchester Public Schools contributes $1,000 to the HSA for each enrolled participant in the HDHP. This is provided in a lump sum in July. New hires throughout the year will receive a pro-rated contribution amount.

 Cancer Benefits: Colonial Life

 Accident Benefits: Colonial Life

 Medical Bridge Benefits: Colonial Life

 Health Insurance: Anthem – The Local Choice

 Dental Insurance: Delta Dental of VA – The Local Choice

 Vision Insurance: Blue View – The Local Choice

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

IF YOU DO NOT RE-SIGN, YOUR CONTRIBUTION WILL STOP EFFECTIVE JUNE 30, 2021.

Post-Tax Benefits

 Disability Benefits: Colonial Life

 Critical Illness Benefits: Colonial Life

 Life Insurance

• Term Life Insurance: Colonial Life
• Whole Life Insurance: Colonial Life

 

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

 

ENROLLMENT PERIOD: APRIL 19, 2021 – MAY 14, 2021

EFFECTIVE DATES: JULY 1, 2021 – JUNE 30, 2022

 

QUALIFICATIONS:

• Employees must work a minimum of 30 hours per week.

 

IMPORTANT FACTS:

• The plan year for The Local Choice benefits (Anthem Health, Delta Dental & Blue View Vision), Health Savings Accounts, Spending Accounts and Colonial Insurance products lasts from July 1, 2021 through June 30, 2022.

 

• Deductions for The Local Choice benefits (Anthem Health, Delta Dental & Blue View Vision) will begin June 2021. Deductions for Health Savings Accounts, Spending Accounts and Colonial Insurance products will begin will begin July 2021.

 

• If signing up for any coverage on your spouse and/or children, please have their dates of birth and social security numbers available when meeting 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 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.

 

• Please note that if employment terminates during the plan year, that employee’s plan year ends the day employment ends. The employee has 30 days after the termination date to submit Flexible Spending Account 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 an FSA at the same time the other is contributing 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, 2021.

 

• 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

Dental

• Delta Contact Information
• Delta Provider Search

Vision

• Anthem Contact Information
• Anthem Provider Search

Virginia Association of Counties Group Self Insurance Risk Pool (VACORP)

Group Short Term Disability (STD) program provided for its participant by the Sponsor and administered by Anthem Life Insurance Company helps provide financial protection for covered members by promising to pay a weekly benefit in the event of a covered disability.

 

Group Long Term Disability (LTD) insurance from Anthem Life Insurance Company helps provide financial protection for insured members by promising to pay a monthly benefit in the event of a covered disability.

 

Please refer to the plan summary document and your employee handbook for specific plan details, eligibility definitions, limitations, and exclusions

 

Questions about your VACORP Short and Long Term Disability can be directed to:

1-844-404-2111 or www.vacorp.org/hybrid-disability/

FREQUENTLY ASKED QUESTIONS

How do I check my account balance?

You can check your real-time balance online by logging into MyAmeriflex or through the MyAmeriflex Mobile App. Ameriflex also provides 24/7 access to automated account information via telephone. Call 888.868.FLEX (3539) and follow the prompts to listen to balance and transaction information for your account.

How do I access my account?

If you’re a new user, setting up your account is easy! To register your account, visit myameriflex.com, select “Login to your account,” and click “Participants.” Then click the “New User” link to get started. You will be asked to enter an Employee ID, which will be your Social Security number with no dashes or spaces, as well as a Registration ID, which will either be your Ameriflex Mastercard debit card number or Employer ID. If you don’t know your Employer ID, please reach out to your HR representative or contact the Ameriflex Participants Services team at 888.868.FLEX (3539).

What expenses are eligible?

The IRS, and sometimes your employer, determine what goods and services are eligible. This will vary based on what type of account you have. Login to MyAmeriflex for a full list of eligible expenses.

How do I order a new card?

You can request a free replacement card online through your Ameriflex account or through the MyAmeriflex Mobile App.

What happens if I don’t use my DCA account balance by the end of the year?

Employers may offer a 2.5-month grace period to help employees use their unused money at the end of the plan year. If your employer offers a 2.5-month grace period, you can continue using your unused money 2.5 months into the new plan year. Please refer to your plan documents or contact Ameriflex to verify the specific rules and features associated with your company’s plan.

How do these programs save me money on taxes?

Since the accounts are tax-advantaged, you get to leverage pre-tax payroll deductions –increasing your take-home pay and saving you money on everyday expenses. In many cases, you can experience savings of up to 40% on expenses eligible under your employer-sponsored plan.

If I leave my employer, can I still use my funds?

No, your funds are forfeited if you leave your employer.

What does pre-tax dollars mean and why is this important?

Essentially, “pre-taxing,” which can be used for life insurance, disability insurance, HSA contributions, dependent care contributions, health savings account contributions and commuter account contributions, means taking income that would otherwise be taxable and diverting it to something else before (so: “pre”) is becomes taxable.

By making pre-tax contributions to an HSA, you are lowering the amount your income is taxed, which results in taking home a bigger paycheck.

Can I change my annual election amount?

DCA elections can be changed if the cost of the services received changes (i.e. daycare increases fees), or if the dependent no longer goes to daycare.

How can I get more information about my amount?

For an overview of account features, visit myameriflex.com/participants.

You can manage your account, check your balance, file and claim anytime online through MyAmeriflex or through the Ameriflex App.

How can I change my reimbursement setting to add direct deposit?

To set up direct deposit, simply login to MyAmeriflex, select reimbursement settings under the my account tab, then enter your banking information.

If you have any questions you can contact the Ameriflex Participant Services team Monday – Friday, 8:30 a.m. – 8:00 p.m. (ET).

Phone: 888.868.FLEX (3539)

Email: service@myameriflex.com

Chat: myameriflex.com

 

Getting real about your healthcare savings starts here

DEPENDENT CARE FLEXIBLE SPENDING ACCOUNT

 

HOW YOUR DCA WORKS

Your DCA is a spending account that can be used to pay for services like daycare, nursery school, and elder care. By simply participating in a DCA, you get to experience benefits like:

1. A higher take-home pay thanks to your pre-tax payroll deductions

2. Savings on daycare and other dependent care services you’re already paying for

3. Easy-to-use My Ameriflex Debit Mastercard to make purchases

 

WHAT CAN I SPEND MY DCA FUNDS ON?

The IRS determines what expenses are eligible under a DCA. Below are some examples of common eligible expenses.

• Daycare
• Summer Day Camp
• Before and after school programs
• Private sitter
• Custodial care for dependent adults
• Nursery school
• Nanny service
• Pre-school

GETTING STARTED CHECKLIST

Use this checklist to take full advantage of all the great resources made available to you through your DCA.

1. Set Up Your MyAmeriflex Account

   MyAmeriflex is where you’ll have real-time access to all of your account information, including your current balance, transaction history, payment status, and more. To register your account, visit myameriflex.com, select “Login to your account,” and click “Participants.” Then click the “New User” link to get started. You will be asked to enter an Employee ID, which will be your Social Security number with no dashes or spaces, as well as a Registration ID, which will either be your Ameriflex Debit Mastercard number or Employer ID. If you don’t know your Employer ID, please reach out to your HR representative or contact the Ameriflex Participants Services team at 888.868.FLEX (3539).

2. Download Mobile App

   The MyAmeriflex App lets you access and manage your account anywhere you go, 24/7. It puts all of the great features of the MyAmeriflex Portal right at your fingertips. You can download the app on the Apple App Store and Google Play.

3. Register for Complimentary ID Theft Protection

   Ameriflex is pleased to offer our cardholders complimentary access to Mastercard’s comprehensive Identity Theft Protection program*, powered by CSID®. You can rest assured knowing that if your MyAmeriflex Debit Mastercard (or any other debit/credit cards you choose to register!) gets misplaced or stolen, you can utilize Mastercard’s industry-leading ID theft protection and restoration services for everything you may need. To register, visit myameriflex.com/IDtheftprotection.

4. Use Your Card

   You will receive a MyAmeriflex Debit Mastercard that can be used to make eligible purchases. Your card will be mailed within 7-10 business days after your enrollment is processed by Ameriflex.

5. Enroll for Direct Deposit

   By enrolling for direct deposit, getting reimbursed is easier and faster anytime you need to pay for an eligible expenses out of pocket. Login to MyAmeriflex to set up direct deposit.

6. Start Spending

   You’re ready to make purchases as funds become available! Your account will be funded each pay period. Be sure to hang on to your receipts anytime you make a purchase. Login to MyAmeriflex for a full list of eligible expenses.

 

HOW TO GET REIMBURSED FOR OUT-OF-POCKET EXPENSES

As you begin to use your account, it’s important to understand how to submit a request for reimbursement or payment to a provider. 

Two most common reasons for requesting a reimbursement or payment:

1. You paid an eligible expense out of pocket
2. To request a payment be made directly to a provider

Your MyAmeriflex Debit Mastercard is the quickest and easiest way to access your account funds. But if you can’t use your card, getting reimbursed is quick and painless.

Step 1: Login to your MyAmeriflex account online or through the MyAmeriflex App

Step 2: Click the Submit Claim button

Step 3: Fill out all of the required fields and attach documentation

Step 4: If requesting to pay a provider, enter the provider’s information, including address, and select “Pay Provider.” Once processed, the reimbursement will be sent directly to the provider. You can also save the provider for any future reimbursements.

Step 5: Click submit

You can view the status of a pending reimbursement anytime through MyAmeriflex or the MyAmeriflex App. If any further action is needed before the reimbursement is processed, you will receive a message through your account.

 

ONE-TIME CLAIM FOR DEPENDENT CARE SERVICES

Ameriflex makes it easy to get reimbursed automatically from your account as your funds build up during the year. If you’re paying for childcare or elderly care each month, you can avoid submitting a manual claim every month to get reimbursed for expenses you paid out of pocket. All you have to do is submit one Claim Form for the entire year that shows the date range for which childcare/eldercare services will be provided, along with a signature from the service provider on the designated line of the form. As long as the form is signed by the provider, no receipt is needed. Once the recurring claim has been processed, Ameriflex will automatically reimburse you every month with a check or direct deposit as funds in your Dependent Care Account become available.

HELPFUL TIPS:

• If you are a new employee and unable to log into the online system, please see the Benefits Representative at your location.

• 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 your Benefits Representative at your location.

1. Go to https://harmonyenroll.coloniallife.com
   • Enter your User Name: PRI7J5P- and then Last Name and then Last 4 of Social Security Number (PRI7J5P-SMITH6789)
   • Enter your Password: Four digit Year of Birth and then Last 4 of Social Security Number (19766789)
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 Health benefits.

   • DENTAL BENEFITS: You may enroll online in Dental benefits.

   • VISION BENEFITS: You may enroll online in Vision benefits.

   • HEALTH SAVINGS ACCOUNT

     Enter annual amount. EMPLOYEE MAX $3,600/year FAMILY MAX $7,200/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 in two installments throughout the year:

     Employee Only – $1,500 / Employee + Spouse -$1,750 / Employee + Child – $1,750 /

     Employee + Children -$2,000 / Employee + Family – $2,000

     Please Note: Employees must be enrolled in the HDHP to enroll in the HSA with the employer contributions.

   • DEPENDENT CARE FSA (Choose one of the options and click ‘Save & Continue’):

     1. Enter annual amount. MAX $5,000/year

   • 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 must meet 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 meet with the Benefits Representative.

   • WHOLE LIFE 5000

     You may enroll online in Whole Life 5000; however, employees wishing to purchase an individual policy for their spouse should meet 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. 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: APRIL 19, 2021 – MAY 14, 2021

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

• Enroll, change or cancel your Health Insurance.
• Enroll in Health Savings Account (HSA).
• Enroll, change or cancel your Vision Insurance.
• Enroll, change or cancel your Dental Insurance.
• Enroll/Re-enroll in Flexible Spending Account+ (Dependent Care).
• Enroll, change or cancel your Colonial products.

+You will need to re-sign for the Dependent Care Flexible Spending Account if you want it to continue each year.

ACCESS YOUR BENEFITS ONLINE WHENEVER, WHEREVER.

 

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: Delta Dental of VA

 Vision Insurance: Blue View

 Health Savings Accounts:

• Employee Maximum $3,600/year
• Family Maximum $7,200/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 in two installments throughout the year:

Employee Only – $1,500 / Employee + Spouse -$1,750 / Employee + Child – $1,750 / Employee + Children -$2,000 / Employee + Family – $2,000

Please Note: Employees must be enrolled in the HDHP to enroll in the HSA with the employer contributions.

 Flexible Spending Accounts*

• Dependent Care Reimbursement Maximum $5,000/year

 Cancer Benefits: Colonial Life

 Accident Benefits: Colonial Life

 Medical Bridge Benefits: Colonial Life

*You will need to re-sign for the Dependent Care Flexible Spending Accounts if you want it to continue next year.

IF YOU DO NOT RE-SIGN, YOUR CONTRIBUTION WILL STOP EFFECTIVE JUNE 30, 2021.

Post-Tax Benefits

 Disability Benefits: Colonial Life

 Critical Illness Benefits: Colonial Life

 Life Insurance

• Term Life Insurance: Colonial Life
• Whole Life Insurance: Colonial Life

 

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

 

ENROLLMENT PERIOD: APRIL 19, 2021 – MAY 14, 2021

EFFECTIVE DATES: JULY 1, 2021 – JUNE 30, 2022

 

QUALIFICATIONS:

• Employees must work a minimum of 30 hours per week.

 

IMPORTANT FACTS:

• The plan year for Anthem Health, Delta Dental, Blue View Vision, Colonial Insurance products, Health Savings Accounts and the Dependent Care Flexible Spending Account lasts from July 1, 2021 through June 30, 2022.

 

• Deductions for Anthem Health, Delta Dental and Blue View Vision will begin June 2021. Deductions for Colonial Insurance products, Health Savings Accounts and the Dependent Care Flexible Spending Account will begin July 2021.

 

• If signing up for any coverage on your spouse and/or children, please have their dates of birth and social security numbers available when meeting 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 an FSA at the same time the other is contributing 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, 2021.

 

• 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.

Health, Dental, Vision

• Commonwealth of Virginia’s The Local Choice
• Anthem-The Local Choice (Medical + EAP)

Colonial Life

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

Dental (Stand Alone Policy)

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