Formerly Flex-Plan Services FSA Open Enrollment. Section 125 Flexible Spending Account January 1, 2017 to December 31, 2017

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1 Formerly Flex-Plan Services 2017 FSA Open Enrollment Section 125 Flexible Spending Account January 1, 2017 to December 31, 2017

2 Open Enrollment Benefits System - Look for an today - Enroll online by Nov. 28

3 Flexible Spending Arrangements A Flexible Spending Arrangement enables you to set aside money on a pre-tax basis to pay for out-of-pocket health care and/or day care costs. Utilize this benefit for you, your spouse and dependents regardless of if they are covered on your medical insurance. This benefit operates on a calendar year basis. The plan year is January 1, 2017 through December 31, 2017 and all claimed expenses must have dates of service that fall within the plan year. Run Out: claims must be filed by March 31, 2017.

4 Health Care Flexible Spending Arrangement (HCFSA) This benefit is used to pay for eligible out-of-pocket expenses that are medically necessary. The maximum amount that you set aside for your Health Care FSA is $2,000. The Health Care FSA is pre-funded. You will have access to your full annual election amount at the beginning of the plan year.

5 $500 Carry Over The $500 Carryover allows participants to carry over up to $500 of unused FSA dollars into the following plan year. The Health Care FSA is no longer a complete Use-It or Lose-It program! Unused funds in your current 2016 FSA can be rolled over to the 2017 plan year. Must be over $50 up to a maximum of $500. Example: $500 in carry over funds + $2,000 max = $2,500 for the next plan year.

6 Health Care FSA Eligible Expenses Section 213 (d): the expense must be medically necessary: Copays, Prescriptions, Deductibles and Coinsurance Dental and orthodontia expenses Vision expenses- lenses, contact lens solution, frames etc. Acupuncture, Chiropractic, Physical Therapy NOTE: All Over-the-Counter drugs require a prescription.

7 Health Care FSA Ineligible Items (Generally speaking, things that are hygienic or cosmetic in nature are not eligible) Cosmetic surgery Teeth bleaching Club memberships Swimming pools Hot tubs Sonicare toothbrush and replacement heads

8 Navia Benefits Card The Navia Benefits Card is a convenient and easy to use optional feature of your plan and provides you with access to your Health Care FSA annual election on the first day of the plan.

9 FlexConnect Never Lose Your Funds Again! Convenient, easy-to-use tool that syncs your medical, dental, and vision insurance claims to your FSA plan. Streamline claim submissions from a single platform! Through the FlexConnect portal, you can track spending and receive notifications when there is an out-of-pocket expense that could be reimbursed from your FSA. Log in to your Navia account and click the FlexConnect tile to get started!

10 FlexConnect How Does It Work? Provide Navia with login information for your insurance carrier s website. As you receive services that are covered by insurance, your insurance claims will be periodically downloaded into the FlexConnect platform. FlexConnect will identify which claims are reimbursable and a Reimburse Me button will appear next to those claims. Simply click Reimburse Me, and FlexConnect will prepare and submit your claims using your Explanation of Benefits (EOB) from your insurance claim as documentation!

11 Why Use FlexConnect? View your expenses and balances in one place See the amount you ve claimed and your remaining FSA balance Faster claim submission No downloading, scanning or uploading a photo of your documentation. FlexConnect will attach your Explanation of Benefits (EOB) to each eligible claim available, saving you time in the submission process.

12 Dependent Care Flexible Spending Arrangement (DCFSA) Child care is a large expenditure for many families. This benefit provides some relief by allowing families to set aside up to $5,000 dollars pre-tax to pay for qualifying expenses. To qualify, care must: Be for dependent children 12 and under unless disabled. Enable you and your spouse to work, actively look for work or be a full time student. Not be educational in nature (i.e. school tuition).

13 Dependent Care FSA Eligible Expenses: Before and after school care Day camps Montessori for preschool Ineligible Expenses: Overnight camp Kindergarten Childcare while you are not working Care provided by spouse or dependent The Day Care FSA calendar year maximum: $5,000 if you are married filing jointly, $5,000 if you are single, or $2,500 if you are married filing separately The Dependent Care FSA is not pre-funded; reimbursements are paid based on your account balance.

14 Reimbursement Submit your claim to Navia using one of the following methods: 1. Fax (425) or toll free (866) Mail Navia Benefits, PO Box 53250, Bellevue, WA MyNavia Mobile App download for iphone or Android 5. Submit claims via online tool at Allow 2 full business days for your claim to be processed. Reimbursements will be issued according to your employers reimbursement schedule.

15 MyNavia Mobile App Submit a Claim with Your Camera! Claim Approval & Disbursement Notifications Update Personal Information Substantiate Debit Card Transactions Reissue Navia Benefits Card View Active Benefits View Claims History View Pending Claims

16 Premium Conversion Your portion of the group insurance premiums for you and your dependents is taken out of your paycheck pre-tax and paid to the provider. This is an automatic benefit- you do not have to sign up. If you do not want your portion of the group insurance Premiums taken out pre-tax you must notify HR in writing.

17 Questions?

18 Open Enrollment Benefits System - Look for an today - Enroll online by Nov Your user name is your address

19 MOBILE APP STEP-BY-STEP GUIDE 1 INSTALL Install the mobile app on your iphone or Android by searching for Maxwell Health Mobile in the ios App Store or Android s Google Play Store. 2 LOG IN Once you ve downloaded the app, sign in using the same credentials you used to log into Maxwell Health online. You ll need to have already created a password online before attempting to sign into the mobile app.

20 CONFIRM ELECTIONS BY November 28 Login to Maxwell Health to review & confirm plans, including new payroll deductions Website for more benefits information: Technical issues? Contact Maxwell Health at 1(866) or Benefits questions? Contact Jennifer Rosenblatt or Maria Coraci at or or call (408) PAGE 20