You made a great decision by enrolling in a flexible spending account (FSA) and/or dependent care account (DCA)! 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 FSA WORKS

Your FSA is a spending account that can be used to pay for a variety of healthcare expenses.

 

TWO GREAT PERKS COME WITH YOUR FSA:

1. You will have access to your entire election on the first day of the plan year.

2. 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. That means you are increasing your take-home pay simply by participating!

 

WHAT CAN I SPEND MY FSA FUNDS ON?

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

• Copays, deductibles, and other payments you are responsible for under your health plan.

• Routine exams, dental care, prescription drugs, eye care, and hearing aids.

• Prescription glasses and sunglasses.

• Certain over-the-counter (OTC) healthcare expenses such as Band-aids, medicine, First Aid supplies, etc. Note: OTC medicines require a doctor’s prescription to be eligible.

• Diabetic equipment and supplies, durable medical equipment, and qualified medical products or services provided by a doctor.

 

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 MyAmeriflex Debit Mastercard to make purchases

 

WHAT CAN I SPEND MY DCA FUNDS ON?

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

• Daycare

• Custodial care for dependent adults

• Summer day camp

• Nanny service

• Before and after school programs

• Pre-school

• Nursery school

 

GETTING STARTED CHECKLIST

Use this checklist to take full advantage of all the great resources made available to you through your Flexible Spending Account and/or Dependent Care 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 “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! Be sure to hang on to your receipts anytime you make a purchase. Login to MyAmeriflex for a full list of eligible expenses.

 

The “Use It or Lose It” Rule

If you contribute dollars to a reimbursement account and do not use all the money you deposit, you will lose any remaining balance in the account at the end of the eligible claims period. This rule, established by the IRS as a component of tax-advantaged plans, is referred to as the “use it or lose it” 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.

 

HOW DO I PAY FOR ELIGIBLE EXPENSES?

Using Your MyAmeriflex Debit Mastercard®

The easiest way to pay for eligible expenses is to use your MyAmeriflex Debit Mastercard®, which provides you with access to your FSA accounts (healthcare or dependent care) with a single card. The MyAmeriflex Card works just like a regular debit card, but with three important differences:

• Its use is limited to specific merchants* and to expenses deemed eligible by your plan.

• You cannot use your MyAmeriflex Card at an ATM or to obtain “cash back” when making a purchase.

• When using the card at self-service merchant terminals, you may select the ‘credit’ option to sign for your purchase, if offered a choice. If you are prompted to enter a Personal Identification Number (PIN) and do not have it, ask the provider to process the transaction so that you may sign the receipt. (To set up a PIN, register your account online at myameriflex.com/register.)

Use of the MyAmeriflex Card is limited to day care providers; medical care providers such as hospitals, doctors’ offices, optometrists, dentist, orthodontists, pharmacies, or other merchants providing prescription and overthe- counter eligible products. Your card cannot be used at non-qualified businesses such as gas stations, retailers, convenience stores, etc.

 

Filing A Manual Claim

If you do not use your MyAmeriflex Card to pay for an eligible expense, you can also pay for the expenses out-ofpocket and then get reimbursed from your FSA by filing a manual claim. To file a manual claim, simply complete the Claim Form (myameriflex.com/claim-form) and send it to Ameriflex along with verification of the claim. Acceptable forms of verification include itemized receipts and the Explanation of Benefits (EOB) from your insurance carrier.

Claims can be submitted through the following methods:

• Online: Visit myameriflex.com/register to get started!

• Mail: Ameriflex ATTN Claims Department | P.O. Box 269009 | Plano, TX 75026

• Email: claims@myameriflex.com

• Fax: 888.631.1038 ATTN Claims Department

• Mobile App: Visit myameriflex.com/mobile-app to get started!

 

Other Helpful Information

What if there’s not enough money in my account?

If you charge more than the available balance in your account, the transaction will be denied. You can obtain your current account balance by logging in to your account from the Ameriflex website (myameriflex.com/ register to get started) or by calling the Interactive Voice Response System (available 24/7) at 888.868.FLEX (3539).

Do I need my receipts?

Please save all your receipts as proof that FSA funds were used to pay for eligible expenses! For certain expenses, Ameriflex may need additional information (including receipts) to verify eligibility of the expense and to comply with IRS rules. That’s why it’s important to save your receipts and fax or mail them promptly if requested. Failure to comply could jeopardize the tax-exempt status of your account and cause the card to be deactivated.

 

ALWAYS KNOW EXACTLY HOW MUCH IS IN YOUR ACCOUNT!

Receive balance alerts straight to your cell phone upon your request. For instructions on how to set it up, visit: myameriflex.com/text-my-balance

HELPFUL TIPS:

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

1. Go to https://harmony.benselect.com/Louisa
   • 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 ‘Benefits 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 MAX $3,600/year MIN $100/year  FAMILY MAX $7,200/year MIN $100/year

     HSA plans can only be established in conjunction with a qualified High Deductible Health Plan (HDHP)
     Louisa County Government and Schools will contribute $550 annually into your HSA account. The $550 is divided among the pay periods and not contributed as a lump sum.

   • HEALTH CARE FSA

     Enter annual amount. MAX $2,750/year MIN $100/year

   • DEPENDENT CARE FSA

     Enter annual amount. MAX $10,500/year MIN $100/year

   • LIMITED PURPOSE MEDICAL FSA

     Enter annual amount. MAX $2,750/year MIN $100/year

   • DENTAL

     You may enroll online in the dental 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.

   • GROUP ACCIDENT

     You may enroll online in Group Accident coverage.

   • GROUP MEDICAL BRIDGE 7000

     You may enroll online in Group Medical Bridge 7000 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.

   • UNIVERSAL LIFE WITH LONG-TERM CARE 

     You may enroll online in Universal Life With Long-Term Care Coverage.

10. Click ‘Sign & Submit’ once you have decided which benefits to enroll in.
11. Review your coverage. It 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://harmonyenroll.coloniallife.com

 

ENROLLMENT PERIOD: APRIL 15, 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, change or cancel your Health Savings Account+ (HSA).
• Enroll in Flexible Spending Accounts+ (Medical Reimbursement, Limited Purpose and Dependent Care).
• Enroll, change or cancel your Dental Insurance. (Delta stand-alone policy).
• Enroll, change or cancel your Universal Life Insurance.
• Enroll, change or cancel your Colonial coverage.

+You will need to re-sign for the Health Savings Account and Flexible 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

Health Insurance: The Local Choice — Anthem

 Dental Insurance: The Local Choice – Delta Dental of VA

 Vision Insurance: The Local Choice — Blue View Vision

Flexible Spending Accounts*

• Medical Reimbursement FSA Maximum $2,750/year | Minimum $100/year
• Limited Purposed FSA+Maximum: $2,750/year | Minimum $100/year
• Dependent Care Reimbursement Maximum $10,500/year |  Minimum $100/year

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

 Health Savings Accounts*

• Employee Maximum $3,600/year | Minimum $100/year
• Family Maximum $7,200/year | Minimum $100/year

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

Louisa County Government and Schools will contribute $550 annually into your HSA account. The $550 is divided among the pay periods and not contributed as a lump sum.

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

 Cancer Benefits: Colonial Life

 Accident Benefits: Colonial Life

 

*You will need to re-sign for the Health Savings Account and Flexible Spending Accounts if you want them to continue.

PLEASE NOTE: Employees will have until 9/30/2021 to file claims with your previous Plan Administrator, Total Administrative Services Corporation (TASC) for expenses incurred during the 2020-2021 plan year. All claims with a date of service after 7/1/2021 should be filed with Ameriflex.

 

Post-Tax Benefits

 Medical Bridge Benefits: Colonial Life

 Disability Benefits:

• Short-Term Disability: Colonial Life
• Long-Term Disability: The Standard (Employer-Paid)

 Critical Illness Benefits: Colonial Life

 Life Insurance

• Term Life Insurance: Colonial Life
• Universal Life Insurance: Trustmark

 

ENROLLMENT PERIOD: APRIL 15, 2021 – MAY 14, 2021

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

 

QUALIFICATIONS:

• Employees must work full-time in order to participate in benefits.

• Group premiums included in the booklet are for Louisa County Government and Louisa County School employees. Water Authority Employees will need to speak with their Administration Contact for premium information.

• All employees are eligible for the Colonial Short-Term Disability plan (Educator Plan) included in the booklet.

 

IMPORTANT FACTS:

• The plan year for The Local Choice Benefits (Anthem Health, Delta Dental and Blue View Vision), Health Savings Accounts, Flexible Spending Accounts, Delta Dental (Stand-Alone policy), Trustmark Universal Life and Colonial Insurance products lasts from July 1, 2021 through June 30, 2022.

 

• Deductions for The Local Choice Benefits (Anthem Health, Delta Dental and Blue View Vision) and Delta Dental (Stand-Alone policy) will begin June 2021. Deductions for Health Savings Accounts, Flexible Spending Accounts, Trustmark Universal Life and Colonial Insurance products will begin July 2021.

 

• Please visit www.piercegroupbenefits.com/client/louisa-county-government-schools to review plan summaries and other required health plan notices.

 

• Health FSA Rollover Provision: Your employer provides the rollover option for your FSA plan. Please see the Flexible Spending Account section of your benefit booklet for more information on this provision.

 

• 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, 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.

Wellness Plan

Employees will have an extra year to complete their wellness exam. In FY22, ALL employees will receive the wellness rate, but everyone must complete a wellness exam in either FY21 or in FY22, to receive the lower rate in FY23. For those that did their exam in FY21, they are ahead of the game and will not be required to complete the exam in FY22 to receive the better rate in FY23. We still recommend annual checkups, but with the pandemic, we understand employee concerns and want everyone to feel safe.

Health

• Commonwealth of Virginia’s The Local Choice
• Anthem-The Local Choice (Medical + EAP)
• Privacy Notice
• Marketplace Notification
• Women’s Health and Cancer Notice
• Adverse Benefit Determination Notice

Colonial Life

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

Dental

• Delta-TLC Contact Information
• Delta-TLC Provider Search

Short-Term and Long-Term Disability

• VACORP Contact Information
• VACORP Member Login

Life Insurance

• VRS Contact Information
• VRS Member Login

Flexible Spending Accounts

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

Colonial Life

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

Short-Term and Long-Term Disability

• VACORP Contact Information
• VACORP Member Login

Life Insurance

• VRS Contact Information
• VRS Member Login

Flexible Spending Accounts/Health Savings Account

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

FLEX SPENDING WITH ZERO GUESSWORK

Pierce Group Benefits partners with the FSA Store to provide one convenient location for all your FSA-eligible purchases. Through our partnership, Pierce Group Benefits and FSA Store can help you shop for FSA eligible items and answer the many questions that come along with having a Flexible Spending Account.

 

• – The largest selection of guaranteed FSA-eligible products
• – 24/7 support, FREE shipping on orders over $50
• – Are your health needs eligible? Easily check with our expansive Eligibility List
• – Need an Rx? We’ll work with you to make getting one easier
• – Learning Center – Get daily money-saving info
• – Use your FSA Card or any major credit card

 

Accessing FSA Store is easy. Simply visit FSAstore.com/PGBFL for the largest selection of guaranteed FSA-eligible products with zero guesswork. Get $20 off $200+ with code PGBF20. One use per customer.

Accessing the FSAStore is easy. Simply visit www.FSAStore.com!

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.

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.

 

HOW DO I PAY FOR ELIGIBLE EXPENSES?

Using Your MyAmeriflex Debit Mastercard®

The easiest way to pay for eligible expenses is to use your MyAmeriflex Debit Mastercard®, which provides you with access to your HSA accounts with a single card. The MyAmeriflex Card works just like a regular debit card, but with three important differences:

• Its use is limited to specific merchants* and to expenses deemed eligible by your plan.

• You cannot use your MyAmeriflex Card at an ATM or to obtain “cash back” when making a purchase.

• When using the card at self-service merchant terminals, you may select the ‘credit’ option to sign for your purchase, if offered a choice. If you are prompted to enter a Personal Identification Number (PIN) and do not have it, ask the provider to process the transaction so that you may sign the receipt. (To set up a PIN, register your account online at myameriflex.com/register.)

Use of the MyAmeriflex Card is limited to day care providers; medical care providers such as hospitals, doctors’ offices, optometrists, dentist, orthodontists, pharmacies, or other merchants providing prescription and over-the-counter eligible products. Your card cannot be used at non-qualified businesses such as gas stations, retailers, convenience stores, etc.

 

Filing A Manual Claim

If you do not use your MyAmeriflex Card to pay for an eligible expense, you can also pay for the expenses out-of-pocket and then get reimbursed from your HSA by filing a manual claim. To file a manual claim, simply complete the Claim Form (myameriflex.com/claim-form) and send it to Ameriflex along with verification of the claim. Acceptable forms of verification include itemized receipts and the Explanation of Benefits (EOB) from your insurance carrier.

Claims can be submitted through the following methods:

• Online: Visit myameriflex.com/register to get started!

• Mail: Ameriflex ATTN Claims Department | P.O. Box 269009 | Plano, TX 75026

• Email: claims@myameriflex.com

• Fax: 888.631.1038 ATTN Claims Department

• Mobile App: Visit myameriflex.com/mobile-app to get started!

 

Other Helpful Information

What if there’s not enough money in my account?

If you charge more than the available balance in your account, the transaction will be denied. You can obtain your current account balance by logging in to your account from the Ameriflex website (myameriflex.com/ register to get started) or by calling the Interactive Voice Response System (available 24/7) at 888.868.FLEX (3539).

Do I need my receipts?

Please save all your receipts as proof that HSA funds were used to pay for eligible expenses! For certain expenses, Ameriflex may need additional information (including receipts) to verify eligibility of the expense and to comply with IRS rules. That’s why it’s important to save your receipts and fax or mail them promptly if requested. Failure to comply could jeopardize the tax-exempt status of your account and cause the card to be deactivated.

 

ALWAYS KNOW EXACTLY HOW MUCH IS IN YOUR ACCOUNT!

Receive balance alerts straight to your cell phone upon your request. For instructions on how to set it up, visit: myameriflex.com/text-my-balance

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 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 FSA account balance by the end the year?

By law, employers are not allowed to return leftover money to participants. Furthermore, funds are forfeited if you leave your employer.

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.

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.

Can I change my annual election amount?

FSA elections are irrevocable and cannot be changed during the period of coverage unless there is a permitted change in election event, such as a change in marital status, birth or adoption of a child, change in an employment status, etc. The event and contribution change must coincide.

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. We also offer a paper direct deposit form that can be mailed, faxed, or emailed to Ameriflex.

Will pre-taxing have an impact on Social Security benefits?

Reductions in your taxable pay may lead to a reduction in Social Security benefits; however, for most employees, the reduction in Social Security benefits is insignificant when compared to the value of paying lower taxes now.

Tax Credits vs. Dependent Care Spending Accounts

If you participate in a Dependent Care Spending Account, you cannot claim credits on your income tax return for the same expenses. Also, any amount reimbursed under this plan will reduce the amount of other dependent care expenses that you can claim for purposes of tax credits. Before you enroll in a Dependent Day Care Account, evaluate whether the federal income tax credit or the Dependent Care Spending Account is best for you.

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.

FLEX SPENDING WITH ZERO GUESSWORK

Pierce Group Benefits partners with the FSA Store to provide one convenient location for all your FSA-eligible purchases. Through our partnership, Pierce Group Benefits and FSA Store can help you shop for FSA eligible items and answer the many questions that come along with having a Flexible Spending Account.

 

• – The largest selection of guaranteed FSA-eligible products
• – 24/7 support, FREE shipping on orders over $50
• – Are your health needs eligible? Easily check with our expansive Eligibility List
• – Need an Rx? We’ll work with you to make getting one easier
• – Learning Center – Get daily money-saving info
• – Use your FSA Card or any major credit card

 

Accessing FSA Store is easy. Simply visit FSAstore.com/PGBFL for the largest selection of guaranteed FSA-eligible products with zero guesswork. Get $20 off $200+ with code PGBF20. One use per customer.

Accessing the FSAStore is easy. Simply visit www.FSAStore.com!

You made a great decision by enrolling in a flexible spending account (FSA) and/or dependent care account (DCA)! 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 FSA WORKS

Your FSA is a spending account that can be used to pay for a variety of healthcare expenses.

 

TWO GREAT PERKS COME WITH YOUR FSA:

1. You will have access to your entire election on the first day of the plan year.

2. 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. That means you are increasing your take-home pay simply by participating!

 

WHAT CAN I SPEND MY FSA FUNDS ON?

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

• Copays, deductibles, and other payments you are responsible for under your health plan.

• Routine exams, dental care, prescription drugs, eye care, and hearing aids.

• Prescription glasses and sunglasses.

• Certain over-the-counter (OTC) healthcare expenses such as Band-aids, medicine, First Aid supplies, etc. Note: OTC medicines require a doctor’s prescription to be eligible.

• Diabetic equipment and supplies, durable medical equipment, and qualified medical products or services provided by a doctor.

 

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 MyAmeriflex Debit Mastercard to make purchases

 

WHAT CAN I SPEND MY DCA FUNDS ON?

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

• Daycare

• Custodial care for dependent adults

• Summer day camp

• Nanny service

• Before and after school programs

• Pre-school

• Nursery school

 

GETTING STARTED CHECKLIST

Use this checklist to take full advantage of all the great resources made available to you through your Flexible Spending Account and/or Dependent Care 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 “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! Be sure to hang on to your receipts anytime you make a purchase. Login to MyAmeriflex for a full list of eligible expenses.

 

The “Use It or Lose It” Rule

If you contribute dollars to a reimbursement account and do not use all the money you deposit, you will lose any remaining balance in the account at the end of the eligible claims period. This rule, established by the IRS as a component of tax-advantaged plans, is referred to as the “use it or lose it” 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 IT OR LOSE IT” RULE

• FSA plan participants should note that up to $550 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 $550 from the previous plan year, you may still elect up to the maximum contribution limit allowed under your employer’s plan.

 

HOW DO I PAY FOR ELIGIBLE EXPENSES?

Using Your MyAmeriflex Debit Mastercard®

The easiest way to pay for eligible expenses is to use your MyAmeriflex Debit Mastercard®, which provides you with access to your FSA accounts (healthcare or dependent care) with a single card. The MyAmeriflex Card works just like a regular debit card, but with three important differences:

• Its use is limited to specific merchants* and to expenses deemed eligible by your plan.

• You cannot use your MyAmeriflex Card at an ATM or to obtain “cash back” when making a purchase.

• When using the card at self-service merchant terminals, you may select the ‘credit’ option to sign for your purchase, if offered a choice. If you are prompted to enter a Personal Identification Number (PIN) and do not have it, ask the provider to process the transaction so that you may sign the receipt. (To set up a PIN, register your account online at myameriflex.com/register.)

Use of the MyAmeriflex Card is limited to day care providers; medical care providers such as hospitals, doctors’ offices, optometrists, dentist, orthodontists, pharmacies, or other merchants providing prescription and overthe- counter eligible products. Your card cannot be used at non-qualified businesses such as gas stations, retailers, convenience stores, etc.

 

Filing A Manual Claim

If you do not use your MyAmeriflex Card to pay for an eligible expense, you can also pay for the expenses out-ofpocket and then get reimbursed from your FSA by filing a manual claim. To file a manual claim, simply complete the Claim Form (myameriflex.com/claim-form) and send it to Ameriflex along with verification of the claim. Acceptable forms of verification include itemized receipts and the Explanation of Benefits (EOB) from your insurance carrier.

Claims can be submitted through the following methods:

• Online: Visit myameriflex.com/register to get started!

• Mail: Ameriflex ATTN Claims Department | P.O. Box 269009 | Plano, TX 75026

• Email: claims@myameriflex.com

• Fax: 888.631.1038 ATTN Claims Department

• Mobile App: Visit myameriflex.com/mobile-app to get started!

 

Other Helpful Information

What if there’s not enough money in my account?

If you charge more than the available balance in your account, the transaction will be denied. You can obtain your current account balance by logging in to your account from the Ameriflex website (myameriflex.com/ register to get started) or by calling the Interactive Voice Response System (available 24/7) at 888.868.FLEX (3539).

Do I need my receipts?

Please save all your receipts as proof that FSA funds were used to pay for eligible expenses! For certain expenses, Ameriflex may need additional information (including receipts) to verify eligibility of the expense and to comply with IRS rules. That’s why it’s important to save your receipts and fax or mail them promptly if requested. Failure to comply could jeopardize the tax-exempt status of your account and cause the card to be deactivated.

 

ALWAYS KNOW EXACTLY HOW MUCH IS IN YOUR ACCOUNT!

Receive balance alerts straight to your cell phone upon your request. For instructions on how to set it up, visit: myameriflex.com/text-my-balance

Get more value from your healthcare dollars with a health savings account.

Enroll in a health savings account (HSA) and start saving today.

How does an HSA work?

An HSA is a personal savings account that allows you to set aside pre-tax dollars for current and future healthcare expenses for you and your dependents, even if they are not covered under your primary health plan. You are eligible to open an HSA if you are enrolled in an HSA-eligible high-deductible health plan. You choose an annual election amount, up to $3,550 for individuals and $7,100 for families. The money is placed in your account via payroll deduction, online banking transfer, or a direct contribution. Once your account is funded, you can choose to use the money to pay for current healthcare expenses or keep the funds in your account and watch your savings grow. If you are 55 or over, you have the option to contribute an additional $1,000 annually.

Why should I enroll in an HSA?

High-deductible health plans typically have lower monthly premiums and greater out-of-pocket costs. An HSA helps ensure you have money set aside to pay for out-of-pocket healthcare expenses. But an HSA is also a powerful investment vehicle and can be a smart addition to your retirement strategy. What makes an HSA such a great retirement investment tool? Simply put, money goes into an HSA tax-free, grows tax-free, and comes out tax free. That means you will never be taxed when you use HSA dollars for qualified medical expenses. No other investment account offers this benefit!

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

You can use your Flexfacts Debit Card to pay your providers for eligible healthcare expenses, or pay with your personal funds and withdraw funds from your HSA to reimburse yourself for the expenses.

Qualifying expenses

What qualifies?

HSA funds can cover costs for:

– Copays, deductible payments, coinsurance

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

– Hospital charges

– Prescription drugs

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

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

– Physical therapy

– Chiropractic care

– Medical supplies and first aid kits

– Prescribed over-the-counter medications

– COBRA premiums

– And much more…

What doesn’t qualify?

Certain expenses are not eligible, for instance:

– Expenses incurred prior to opening your HSA

– Cosmetic procedures or surgery

– Dental products for general health

– Personal hygiene products

A comprehensive list of eligible expenses can be found at flexfacts.com

Online & mobile access

Get instant access to your account with the Flexfacts Participant Portal and the Flexfacts Mobile App.

– View your account balance and transaction history

– Submit and view claims

– Upload and store receipts

– Make contributions

– Invest HSA funds

– View important alerts and communications

– Sign up for direct deposit

– Sign up for text message alerts

Register for the Flexfacts Participant Portal at www.flexfacts.com

Download the Flexfacts Mobile App on the App Store or Google play store

Helpful hints

– You must have funds in your HSA before you can spend them.

– You can change your election amount at any time during the plan year.

– You own the HSA, which means the money in the account is yours to keep and stays with you, even if you change medical plans or leave your employer.

– Remember, withdrawals for qualified healthcare expenses are never taxable.

– Be a savvy HSA consumer and ask about the cost of procedures and provider visits to ensure you are getting the best care at the best price.

– Save your receipts because the IRS may adult your HSA transactions.

– Unused funds roll over year to year and once your account balance researches $1,000 you have the option to invest your funds and accelerate your accounts savings.

– While your HSA funds are intended for healthcare expenses, once you reach 65 you have the option to use your account for any purpose, without penalty. You’ll just owe income taxes on withdrawals for non-qualified expenses.

– The easiest way to manage your account is online at www.flexfacts.com or through the Flexfacts Mobile App.