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Group Name Plan Year: 00/00/0000-00/00/0000

Group Name Plan Year: 00/00/0000-00/00/0000. Presented By: Your Name Here Your Title Here. Instructions: Find and Replace Delete This Slide Before Presenting. Getting Started: Enrollment p resentations can be shown to employees to help explain how to use their Choice Strategies plan.

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Group Name Plan Year: 00/00/0000-00/00/0000

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  1. Group Name Plan Year: 00/00/0000-00/00/0000 Presented By: Your Name Here Your Title Here

  2. Instructions: Find and Replace Delete This Slide Before Presenting Getting Started: Enrollment presentations can be shown to employees to help explain how to use their Choice Strategies plan. • Before showing this presentation to employees, please customize it by finding and replacing the following: • Group Name: Group Name • Health Insurance Carrier: Carrier • Plan Year: 01/01/2013-12/31/2013 • Plan Start Date: 01/01/2013 • HRA Single Funding: $ • HRA Family Funding: $$ • Carrier Single Deductible: $$$ • Carrier Family Deductible: $$$$ • FSA Maximum: $2,500

  3. Your Health Plan Carrier Deductible: • Single: $$$ • Family: $$$$ Effective 01/01/2013, Choice Strategies will be administering: • Health Reimbursement Arrangement (HRA) • Flexible Spending Account (FSA) • Dependent Care Account (DCA)

  4. Health Reimbursement Arrangement HRA Group Name’s HRA Plan: • Plan Year: 01/01/2013-12/31/2013 • The following chart indicates expenses for which your HRA can be used:

  5. End of Plan Year Health Reimbursement Arrangement 3 Month Run-Out Period • You have 3 months after the plan year ends to submit all outstanding claims for expenses that occurred during the plan year • Plan Year: 01/01/2013-12/31/2013 • Reimbursement for these expenses must be submitted manually through the claim process during the Run-Out Period • Do NOT charge your Choice Strategies Card for dates of service the occurred during a previous plan year. • Example: Plan year ends on 12/31/13. You have until 3/31/2014 to submit manual claims for dates of service that occurred during the 2013 calendar plan year.

  6. Flexible Spending Account FSA You can elect to contribute up to $2,500 pre-tax • Plan Year: 01/01/2013-12/31/2013 • Contributed through payroll deductions • “Use it or Lose it” • Eligible Expenses: • Medical • Dental • Vision • Prescriptions • Limited Over-the-Counter (OTC) products

  7. End of Plan Year Flexible Spending Account 2 ½ Month Grace Period • You have 2 ½ months after the FSA plan year ends to use any remaining funds for expenses that occurred within the current plan year or during the grace period • Plan Year: 01/01/2013-12/31/2013 • You may use your card for FSA eligible expenses during the grace period for any expenses incurred between the beginning of your plan year and the end of the grace period • Example: Plan year ends on 12/31/13. You have until 3/15/2014 to use remaining FSA funds for dates of service that occurred during the 2013 plan year and through the Grace Period.

  8. Dependent Care Account DCA You can elect to contribute up to: • $2,500 if married, filing separate tax returns • $5,000 if single OR married, filing jointly • Plan Year: 01/01/2013-12/31/2013 • Contributed through payroll deductions • Pre-tax! • Pay as you go • You can only spend what you have contributed. • Eligible Expenses: • Custodial care of dependents while employee is at work

  9. Employee Savings Example Based on 13.34% Federal Income Tax, 7% State Income Tax, and 7.65% Social Security Tax Rate

  10. Choice Strategies Card The Facts • MasterCard • Card activates upon first use • If balance available and any shared responsibility portions have been met • Employee and spouse automatically receive cards • Separate envelopes • Additional cards can be issued upon request • Swipe as CREDIT vs. Debit for convenience • If needed - PIN is accessible through Member Online Accounts under the My Card tab.

  11. Using the Card Medical Co-Pays You pay portion of co-pay with the Choice Strategies Card Provider will check insurance plan for co-pay amount You pay the remaining portion of the co-pay out-of-pocket Present Your Health Insurance ID Card. Reminder: Always give your provider your Carrier ID card and ask the provider to submit to insurance

  12. Using the Card Prescriptions Employee pays approved portion as indicated on Slide 4 with Choice Strategies Card! Bring Rx to pharmacy. (Make sure updated Carrier information is on file) Doctor writes a Prescription (Rx) and gives to you. Pharmacist advises price of Rx. Reminder: Request that your card be run for the approved portion indicated on slide 4. Pay the remaining cost out-of-pocket.

  13. Submitting a Claim Need Reimbursement? • Online – Faster Reimbursement! • Login to your Online Account • Select “Submit a Claim” • Fill our required fields • Upload Supporting documentation • Select “Submit” • Email, Fax, or Mail • Fill out a Claim Form available under the “For Members” and “Forms” page on www.choice-strategies.com • Attach supporting documentation

  14. Substantiation Requirements Documentation Requests Group Name is required by Federal Law to substantiate all claims. • This means that purchases made with your Choice Strategies Card need to be supported with documentation Receipt Notification Process: • Employees are sent requests via mail or email to provide documentation on card transactions. • Supporting documentation requested may include: • Explanation of Benefits (EOB) • Rx Receipts • Provider Bills

  15. Substantiation Service Free and Voluntary Allows Choice Strategies to view your Explanation of Benefits from the online account with Carrier Signing Up: • You must set up an online account with Carrier • Sign up for the Substantiation Service by provider your Carrier User ID and Password to Choice Strategies • Use the online HIPAA Release Form under the “For Members” section and forms page on www.choice-strategies.com To take advantage of our Substantiation Service, enroll online at: www.choice-strategies.com/substantiation-enrollment

  16. Member Online Accounts www.choice-strategies.com • Check Account Balances • View Transaction History • Upload Supporting Documentation • Report Cards Lost/Stolen • Request reissue too! • Submit Claims Online • Faster Reimbursement • Edit Personal Information • Phone Number • Email Address • Direct Deposit • Mailing Address

  17. Mobile App Access Your Information on the Go! • Available For: • iOS Apple • Android • You Can: • View account balances • View recent transactions • Submit claims • Upload supporting documentation

  18. Contact Us! Member Services is Here to Help You! Phone: 1-888-278-2555 (Option 2) Monday-Thursday 8:00 am – 7:00 pm (EST) Friday 8:00 am – 5:00 pm (EST) Email: memberservices@choice-strategies.com

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