2024-2025 Benefits Guide

Medical FSA You can receive reimbursement from your Health Care FSA for eligible medical and dental expenses incurred by you or an eligible dependent using your pre-tax dollars. Claims will be processed through Proficient Benefits Solution. The maximum amount you may contribute to your Health Care FSA for plan year 2024-2025 is $3,200.00. Employees who enroll in the HDHP medical plan will receive FSA funds from the EAA and the amount

is pro-rated if you are a new hire. Please refer to the table on the right for the plan year amount. If you have funds remaining at the end of the plan year, a maximum of $640 will carry over to the next plan year while any funds in excess of $640 will be forfeited.

EAA FSA CONTRIBUTION

PPO

HDHP

October 1

N/A

$500.00

The entire annual amount is prefunded at the beginning of the plan year for immediate use on eligible expenses for current employees. Youmust enroll as a new hire for the FSA or enroll for the FSA every year during open enrollment or after a qualifying life event. The IRS publishes information on FSAs and eligible expenses on their website. If you have questions about an expense, please contact Proficient at (210) 659-8100. You may also view a list of eligible expenses on the Proficient Benefits Solution website. Dependent Care FSA A Dependent Care FSA offers an opportunity to save money on daycare expenses for eligible dependents. The maximum amount you may contribute to your Dependent Care FSA is $5,000 for individuals or married couples filing jointly or $2,500 for a married person filing separately. Also, the person whose daycare expenses you are claiming must satisfy the definition of a Tax Dependent, per IRS regulations. If you're a new hire enrolling mid-year, consider selecting a lower annual contribution amount initially, with the option to increase it during the next open enrollment period. For example, if you are hired in June and choose a $4,000 annual contribution amount, that amount will be divided by the number of payrolls remaining in the plan year (e.g., October to September). The resulting amount will be deducted from each paycheck. For instance, if you elect $4,000 and there are 7 pay periods left in the plan year, approximately $571.43 will be deducted from each paycheck. You can receive reimbursement from your Dependent Care FSA for expenses that have already been incurred and only up to the dollar amount that has already been deposited into your account. If you have funds remaining at the end of the plan year these funds will be forfeited. FSA Run Off Period September 30th is the last day to incur claims for the 2024-2025 plan year, and you must submit all claims by December 31, 2025. Reimbursement Process for FSA and HRA When you incur an eligible expense for you or your dependents, you may receive an email request to upload the Explanation of Benefits and/or receipts to your Proficient Portal or the Proficient Connect app. Claims are processed on a weekly basis and reimbursements are issued up to the available balance of your FSA and/or your Health Reimbursement Account. Monies will be reimbursed first from an employee’s FSA account then from the HRA account. To receive reimbursements for a covered expense under your health or dental coverage you must submit an itemized receipt or Explanation of Benefits (EOB) issued from the health and/or dental insurance plan. For all eligible expenses, you must submit documentation showing the following information:

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