Employee Rates - Frederick County Public Schools

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Frederick County Public Schools Flexible Spending Account Program July 1, 2010 through June 30, 2011 May is open enrollment for the Flexible Spending Account (FSA) Program. A Flexible Spending Account (FSA) is a tax-advantaged way for you to pay for medical and/or day care expenses. This added benefit allows you to pay for these expenses using pre-tax dollars, lowering your taxable income resulting in a higher take home pay. How much can you save? Your contributions to an FSA are exempt from Federal taxes (income, FICA and Medicare) and in most cases state and local taxes. (Note: Medical and Dependent Care FSA contributions by New Jersey residents are subject to state tax, as are Dependent Care FSA contributions made by Pennsylvania residents.) Most participants save at least 28% (savings vary by employee’s tax bracket). Medical Care FSA The Medical Care FSA helps pay for eligible medical expenses including: Health/Dental/Vision deductibles, coinsurance and co-payments Prescriptions Vision care including glasses, contact lenses, saline solution & Laser Eye Surgery Dental expenses including orthodontia Certain Over-the-Counter medications (Effective for all purchases made after January 1, 2011, all over the counter drugs and medicines will require a prescription for reimbursement. Please visit www.hfsbenefits.com for the most updated form. After January 1, 2011, your debit card will not work for over the counter drugs and medicines) Day Care FSA The Day Care FSA provides tax relief for day care costs for children through age 12 and adult day care. Eligible expenses include day care provided by a licensed facility or in-home dependent care, before/after school care programs, pre-school and summer day camp. How much can you direct into your FSA? Medical Care FSA maximum is $3000.00 Day Care FSA maximum is $5000.00 There is no minimum contribution requirement! Flex Debit Card! All new participants will receive a Debit Card to pay for eligible expenses. Please refer to the HFS Flex Debit Card flyer for more details. Where do you submit claims? HFS Benefits Phone: 410-771-1331 Claims Department Toll Free Phone: 888-460-8005 P.O. Box 1550 Fax: 410-771-5533 Hunt Valley, MD 21030-1550 claims@hfsbenefits.com Toll Free Fax: 888-510-4218 Don’t forget services must be incurred during your plan year, 7/01/10– 6/30/11 How can you learn more? Please visit www.hfsbenefits.com for more information including a tax savings calculator and a complete list of eligible expenses. You will be able to access your account balance after your plan year begins July 1, 2010. You may also call the toll free customer service line, 888-460-8005, Ext. 2 or e-mail customer service: customerservice@hfsbenefits.com. 8
HFS Benefits – 4.20.2010 PLANNING YOUR BENEFIT ELECTION NEW HEALTH CARE BILL IMPACTS REIMBURSEMENT OF OVER-THE-COUNTER (OTC) MEDICINES The new federal health care reform law, now being referred to as the Patient Protection and Affordable Care Act of 2010 (PPACA), has changed the rules for over the counter medicines and drugs having a potential impact on health flexible spending accounts (FSA), health savings accounts (HSA) and healthcare reimbursement arrangements (HRA). The following information is based on our current understanding (April, 2010) of the law through informal guidance obtained directly from the Internal Revenue Service and consultation with other professionals. What is the change? OTC medications such as antacids, allergy medicines, pain relievers and cold medicines, currently reimbursable under your plan will require a prescription from a health care provider to qualify for reimbursement starting with all purchases beginning January 1, 2011. Does this impact me now? Since the change occurs on January 1, 2011, this change will be in effect for all plan years starting February 1, 2010. You should consider the change as you plan your election for the upcoming plan year. In addition, you should obtain any prescription needed for OTC medications at your next scheduled visit to the health care provider(s). What is required for OTC medications to be reimbursed? HFS Benefits has made it easy for you by updating our letter of medical recommendation form (available at www.hfsbenefits.com). There are now two sections on the form, OTC Medications and Dual Purpose items. No diagnosis or explanation from the provider is required for OTC Medications. Once completed, simply submit it to HFS Benefits along with a signed claim form and the sales receipt(s) for reimbursement. You can use the same form to submit a letter of medical recommendation (second section) for certain dual purpose items (e.g., massage therapy, weight loss programs, nutritionist expenses, etc.). Unless otherwise noted by your physician, the form will expire after 1 year. What about OTC items that are not medications? This change does not impact OTC items that such as bandages that are currently reimbursable but are not medications. How does this affect the use of my HFS Benefits debit card? If your plan currently uses the HFS Benefits debit card, you should be familiar with the inventory control system which allows reimbursement for pre-approved items without further substantiation. Starting in January 2011, OTC medications will be removed from the approved list of reimbursable items. You will be required to use another form of payment and follow the procedures above to be reimbursed. Check the news section at www.hfsbenefits.com for updates. 9
Page 1 and 2: INFORMATION ABOUT: INSURANCE • ME
Page 3 and 4: HEALTH PLAN UPDATES EFFECTIVE JULY
Page 5 and 6: elationShiP to emPloyee SPouSe dePe
Page 7: IDAHO - Medicaid and CHIP Medicaid
Page 11 and 12: Online Account Access Login Instruc
Page 13 and 14: INFORMATION ABOUT THE MEDICAL FLEXI

Employee Rates - Frederick County Public Schools

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