CompuSys/Erisa Group Inc. State of NM Group Benefits Plan Plan Year Jan-Dec Flexible Spending Account (FSA) and Transportation Benefit

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1 CompuSys/Erisa Group Inc. State of NM Group Benefits Plan Plan Year Jan-Dec 2014 Flexible Spending Account (FSA) and Transportation Benefit

2 Outline How the Flexible Spending Account Works Health Care Benefit Account The Flexible Benefit Debit Card Dependent Care Benefit Account Transportation Benefit Claims/Claims Submission

3 What is a Flexible Spending Account? The Flexible Spending Account is a program that allows you to set aside money for eligible expenses prior to taxes being withheld. If you participate in the Health Savings Account (HSA) you are not eligible to participate in the Health Care FSA. A minimum tax savings of 7.65% can be gained from Flexible Spending Accounts. You can use the account throughout the year to get reimbursed for eligible health care and dependent care expenses.

4 Health Care FSA Maximum payroll deduction of $ Reimbursement of approved medically necessary expenses via: Benefits Debit Card.* Claim submission, with payment sent by check or direct deposit. *One debit card will be issued to each participant.

5 Benefits Debit Card The Flexible Benefits Debit Card is a special purpose MasterCard that gives you an automatic way to pay for qualified healthcare expenses from your Flexible Spending Account. The purpose of the card is to allow you to pay for eligible expenses at the point of service.

6 What can I use my Debit Card For? You can use your debit card to pay for medically necessary expenses, this includes: Out of pocket medical expenses such as copays, co-insurance, and deductibles. Non cosmetic dental expenses Medically necessary prescriptions Vision care expenses

7 Where can I use my Benefits Card? At a hospital or doctor s office* At a dentist office* At your vision care provider* At any chain pharmacy or grocery store for prescriptions *Any charge that is not a standard State of New Mexico co-pay will trigger a request for you to submit documentation to CompuSys/Erisa.

8 What can t I use my card for? Expenses incurred at merchants that are not health care providers. Expenses that aren t medically necessary. Expenses for services that have yet to be incurred. Expenses incurred prior to your eligibility in the plan. Expenses from a prior plan year incurred after the Grace Period.

9 Documentation Requests In order to verify that charges put on your card are eligible, you will receive a letter or asking for supporting documentation. Regardless of whether you receive a documentation request, the provider/merchant has already been paid. After you receive the initial request you have 45 days to submit the documentation to CompuSys/Erisa via mail, fax or .

10 Claims You may file a claim for any eligible unreimbursed expense. This includes health care expenses that were not paid for with the Flexible Spending Debit Card. Eligible health care expenses that weren t paid for by insurance, or other discounts. Eligible expenses that weren t reimbursed from a spouse s Flexible Spending Account. Over the counter items that are submitted with a prescription.

11 Dependent Care Benefit Account Minimum annual payroll deduction $ Maximum annual payroll deduction of $ per family. The purpose of Dependent Care is to allow an employee and their spouse to work, or look for work.

12 Eligible Dependent Care Expenses Eligible Expenses include: Before/After School Care Daycare Summer Camp Late pick-up fees Registration fees* Application fees* *These fees aren t reimbursable until care has been provided.

13 Ineligible Dependent Care Expenses Ineligible Expenses include Expenses for a non Qualifying Individual. Expenses that are incurred that aren t related to the employee being gainfully employed. Expenses paid to a Participant s Spouse, or child who is under the age of 19. Kindergarten/Educational Expenses Overnight Camps Instructional or sport specific camps; e.g. ballet, soccer, etc. Extra fees for incidentals Late payment fees Expenses for services that have yet to be incurred.

14 Transportation Reimbursement Program The Transportation Reimbursement Program offers a convenient way for employees to lower commuting costs by utilizing pre-tax dollars to pay for costs incurred commuting to and from work to receive a minimum savings of 7.65%. Eligible expenses for transit include expenses associated with using any public or privately operated transit service.

15 Transportation Benefits Qualified Transportation benefits include: Mass-transit/Van-Pooling Transit may be a publicly or privately operated vehicle that seats at least 6 adults. Maximum election of $245 a month. Qualified parking is parking at or near your place of employment. Maximum election of $245 a month.

16 How to submit a Claim? When submitting a claim to CompuSys/Erisa, make sure to include the appropriate supporting documentation. Claims may be submitted via: USPS mail Fax to nmflex@cserisa.com Online at nmflex.com

17 Website Access Your flexible spending and transportation benefit website nmflex.com, will give you access to: Claim Forms Direct Deposit Authorization Lists of Eligible Expenses Answers to common questions Personal Account details* Online claim filing capability *Details to access your personal account will be provided in your enrollment verification letter.

18 Questions If you have any additional questions, please contact CompuSys/Erisa at You may also us at Business Hours from 7:00 am to 4:00 pm Mountain Time.