2020 AtlantiCare Benefits Workbook

Spending Accounts

HOME TABL OF CONTENTS WELCOME.................2 WHAT’S NEW. ...........3 I E CENTERS AND WEBSITES...................4 HOW TO ENROLL.......5 MEDICAL..............6-12 PRESCRIPTION DRUG. ................13-15 ADDITIONAL MEDICAL PLAN RESOURCES........16-18 DENTAL...............19-21 VISION.....................22 LIFECENTER..............23 LIFE INSURANCE. .....24 LONG TERM DISABILITY...............25 VOLUNTARY OFFERINGS. ........26-29 SPENDING ACCOU TS. ............30 RETIREMENT B NEFITS..................31 WELLNESS. .........32-36 LEGAL NOTICES..37-39 CONTACTS.........40-41 GLOSSARY..........42-43 FAQs...................44-46 FORMS................47-56 WHAT’S NEW SERVICE CENTERS AND WEBSITES HOW TO ENROLL MEDICAL PRESCRIPTION DRUG ADDITIONAL MEDICAL PLAN RESOURCES DENTAL VISION LIFE INSURANCE LONG TERM DISABILITY VOLUNTARY OFFERINGS SPENDING ACCOUNTS RETIREMENT BENEFITS WELLNESS LEGAL NOTICES CONTACTS GLOSSARY

The AtlantiCare Flexible Spending Account is administered through Baker Tilly. An FSA account provides a tax advantage to the participant by allowing you to pay for qualified medical expenses with non-taxable dollars. These accounts do have some rules and limitations associated with them and are heavily regulated by the IRS due to their non-taxable status. A debit card is provided for you to utilize and is convenient in its ability to be used at the time of service. However, utilizing this card does not necessarily alleviate the need to substantiate claims. Here are a couple of things you should know about the FSA program: • You may need to substantiate your claims when you use your FSA card to purchase services. Be sure to keep your receipts. • There is a list of recognized vendors who have gone through the IRS to be approved to auto-substantiate claims so you do not have to. See http://www.sigis.com to review the list. • The money in this account is tax-free and must be used before the first of the following year. Budget wisely. • You can submit a reimbursement request online through MyFlexDollars.com . MyFlexDollars is a set of tools and resources you can use to manage your funds. • If you do not like to substantiate a number of small claims, hold them and submit all for reimbursement. The check comes within a week. • When trying to determine if something is eligible, consider that eligible expenses are usually items used to treat a condition such as allergies or a headache. Ineligible expenses are usually items that are considered preventive or wellness-oriented such as vitamins. Many times an ineligible expense will be covered if it is accompanied with a provider’s prescription. • The most important thing to remember is that you must use this money by December 31 or you will lose it. Claims can be submitted by March 31 of the following year. However, you must show proof that the eligible expenses were incurred in the previous benefits year (by December 31). Where does this unused money go? The IRS requires these funds to be spent in the year they are funded or they go back to the employer. These funds are then utilized to cover plan administration costs for the next year.

• Dependent Care FSA: A Dependent Care FSA lets you save on dependent care expenses using pretax dollars. Dependent Care expenses can include the following: day care/after school care, summer day camp, and care for dependents with mental or physical disabilities. • Additional resources can be found on the HR Portal: Benefits tab or visit MyFlexDollars.com

3 Convenient Ways to Submit Claims: • FSA Benefits Card – Using your FSA benefits card is the quickest and easiest way to get reimbursed. • MyFlexDollars.com – You can submit your claims conveneintly online through MyFlexDollars.com • MyFlexDollars Mobile App – Allows

you to submit a claim on the go using your mobile device. Download the free mobile app by searching MyFlexDollars in your app store. If you waive medical plan coverage, AtlantiCare contributes $45 per pay into a Health Reimbursement Account (HRA) in your name. You can use the HRA to be reimbursed for eligible expenses. The HRA is administered by Baker Tilly. For a list of eligible expenses, log in to your account at MyFlexDollars.com . Note: If you are currently covered under another AtlantiCare employee (spouse or parent) you are not eligible for this waiver funding. ABH employees are now eligible eligible for the waiver in 2020. Note: You can use your funds in the Online FSA Store! You can purchase items such as first aid kits, travel essentials, pain relief and so much more! Please visit fsastore.com for more information. ! QUICK TIP With Baker Tilly’s Eligible Expenses Scanner you can scan the barcode of a product to determine its eligibility at the touch of a button!

FORMS

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