FSA PP Demo

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Your Flexible Benefits at a GlanceUsing Your Flexible Spending AccountBenefit Brokers, LLC

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Your Flexible Spending Account (FSA) Flexible Spending Accounts are offered under a Section 125 cafeteria plan and are a pre-tax benefit to employees. FSAs are being offered: 1. Health Care FSA -Out-of-pocket health care, dental, vision and other qualified expenses 2. Dependent Care FSA -Child/Adult day care expenses

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Your Health Care FSA (HCFSA) • Health Care FSA - Employee Contributions only - Pre-tax benefit that can be used for: Prescriptions and OTC drugs Copays Deductibles Coinsurance Eyeglasses Dental Services And More – view detailed list at BCBST.com

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Your Health Care FSA • Money can be used for any dependents qualified expenses • Full amount of annual election is immediately available to meet unexpected medical expenses • Pre-tax savings – let Uncle Sam pay 25% of your medical, dental and vision expenses •By moving to BCBST many medical claims will be reimbursed without filling out any forms

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Your Health Care FSA • Unused money is forfeited and does not carry over to the next year so review prior year’s expenses and plan carefully • $300 ($25 per month) Minimum Annual Contribution • $4,000 ($333.33 per month) Maximum Annual Contribution •Please have all 2009 claims submitted to Beneflex by January 15, 2010

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6 Your Health Care Benefit Changes Your HCFSA Claims Reimbursement Reimbursement Options Visa Debit Card 1. You receive a preloaded debit card for all your purchases Automatic Reimbursement 1. You go for medical services 2. Provider will submit your claim to BCBST 3. BCBST will process claim according to your medical benefits 4. If FSA funds are available, BCBST will automatically process your FSA claim along with your medical claim Manual Reimbursement 1. You pay upfront for health care services or IRS Section 213(d) expenses 2. Submit claim forms and receipts with ACH into your account

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Meet Mary… See How Easy It Is To Save with an HCFSA Meet Mary, who knows she’ll spend at least $3,850 next year on health care costs for herself and her covered family members, including all deductibles, out-of-pocket drug expenses, eyeglasses, contact lenses and well-child checkups. Here’s how she can save with a Health Care FSA: *Based on a 25% tax rate (includes federal, state and Social Security/FICA)

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Your Dependent Care FSA (DCFSA) • Dependent Care FSA - Employee Contributions only - Pre-tax benefit that can be used for: Work-related child/adult day care expenses – You must be gainfully employed (earning income) – Dependent child(ren) under age 13 qualify – Other eligible dependents over age 13 may qualify if they are incapable of self-care Eligible Providers of Care – Private day care provider – Day care center – Before/after school care – Au pair or nanny

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Your Well+Wise BluePerks® • Maximum employee contribution is based on tax-filing status Single, Head-of-Household $5,000 Married, Filing Jointly $5,000 Married, Filing Separately $2,500 • $300 minimum Contribution •Please submit all eligible expenses by January 15, 2010 for 2009 expenses • Any unused money is forfeited Your Dependent Care FSA

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Meet Mary… See How Easy It Is To Save With a DCFSA Meet Mary, who knows she’ll spend at least $4,500 next year on dependent care costs for children, including daycare for her daughter, before and after school care for her son, and day camp programs throughout the summer. Here’s how she can save with a Dependent Care FSA: *Based on a 25% tax rate (includes federal, state and Social Security/FICA)

Using Out-of-Network Providers : 

Using Out-of-Network Providers Physician Services BlueAccess and Member Self-Service See what’s covered underyour plan Look up submitted claims Check what benefits you’ve used Update your address Order replacement ID card Access health tools and resources, including a Personal Health Analysis Personal Health Statement and FSA balance Benefit and Balance information available anytime. Register at bcbst.com to:

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Is Your Doctor in the Network? Consumer Coaches Better understand the details of your FSA plan through the special support center of Consumer Coaches These benefits experts can assist you with: Health Plan specifics FSA financial plan details Information about how the FSA works Online Consumer Health Tool instructions, other web resources and much more. For help with your FSA plan, call 1-800-527-9206 or e-mail consumercoach@bcbst.com Get Help with your FSA

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13 Your Health Care Benefit Changes What to do next Signing up for medical or dependent care FSA Anyone who wants to participate for 2010 MUST complete an application indicating which plan and how much they want to contribute. Please turn these forms in to Amy Pearce by November 15th. If you have not spent all your 2009 FSA money you have until December 31st to buy qualified items. Expenses should be turned in by January 15th, 2010