Dental%20and%20Vision%20Plan

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2015 Dental and Vision Plan Flexible Spending
Account
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Dental Benefits
Benefit Description BENEFIT (Subject to Usual and Customary Charges)
CLASS A, B AND C EXPENSES COMBINED Calendar Year MAXIMUM BENEFIT 1,100 per Covered Person
Class A-Preventive Services Example (routine oral exam) 80
Class B-Basic Services Example (x-rays, simple extractions) 80
Class C-Major Services Example(dentures and bridges) 50
CLASS D ORTHODONTIC LIFETIME MAXIMUM BENEFIT (Coverage is provided only for Covered Persons under age 19) 1,500 per Covered Person
Class D-Orthodontic Services (Coverage is provided only for Covered Persons under age 19) 50
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Vision Benefits

• 355.00 per Calendar Year per Covered Person
• Benefit can be used for
• Eye exam,
• Lenses (including contact lenses) and
• Frames

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Dependent Eligibility

• Dental Vision
• Coverage for unmarried dependent child(ren) ages
  19-25 will be available through calendar year of
  attaining age 25.
• (Example Turn 25 in July, coverage until
  December 31)
• Dependent child(ren) over 19 must be a full time
  student.
• Orthodontia coverage will be available to covered
  person under age 19.

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What is a Flexible Spending Account (FSA)?

• A tax-effective, money-savings option that will
  help you pay for qualified health care expenses
  that arent covered by your medical plan, and for
  dependent care services.
• Funds are deducted pre-tax from your employer pay
  check.
• These are pre-tax dollars so they help save money
  (approximately 25 in tax savings when deducted
  from your paycheck pre-tax)

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What is an FSA?
What is a Flexible Spending Account (FSA)?

• Kellogg Community College offers you an
  opportunity to participate in two Flexible
  Spending Account Programs
• Healthcare FSA or Limited Healthcare FSA (if you
  have an Health Savings Account)
• Dependent Care FSA

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FSA for Healthcare

• Health Care Spending Account (HCSA)
• For healthcare expenses if you do not have a
• Health Savings Account (HSA)
• Maximum amount you can contribute is 2,500 per
  year
• Can be used for most medical expenses not covered
  by your health plan including
• Deductible, coinsurance, copays, prescription
  drugs, dental, vision, hearing and orthodontic
  care. Certain over-the-counter medications
  qualify too.

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Limited Flexible Spending Account

• If you have a Health Savings Account (HSA), the
  Flexible Spending Account is limited or
  restricted to
• Dental expenses
• Vision expenses
• Medical and prescriptions only AFTER the high
  deductible HAS BEEN MET.

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IRS allows 5,000
FSA for Dependent Care

• Maximum amount you can contribute is 5,000 per
  year
• Expenses are eligible for child care under age 13
  or elder care for IRS dependents.
• Tax ID or Social Security Number and receipt are
  required
• Reimbursable only after services have been
  incurred and money has already been deducted from
  payroll.

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Maximize Your Savings Potential

• Plan carefully! The amount of money you want to
  contribute to your FSA accounts are elected in
  advance.
• If you underestimate, you may deplete your FSA
  before the end of the year, losing so of your
  tax-savings.
• If you overestimate, you risk forfeiture of any
  unused FSA funds. KCC allows you to roll up to
  500 from the previous plan year.
• Mid-year election changes are not allowed without
  a qualifying event! (work hours reduced, birth,
  death, divorce)

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Submit early!
How to receive reimbursement

• Submit a complete and signed FSA reimbursement
  form with these attachments
• - A copy of the Explanation of Benefits (EOB)
• OR
• A receipt for co-pays and an itemized cash
  register receipts for OTC items that do not
  contain a medicine or drug
• OR
• - Effective 1/1/2011, for OTC items containing a
  medicine or drug, an itemized cash register
  receipt as well as a doctors prescription
• OR
• - An itemized statement from your healthcare
  provider if you dont have insurance coverage
  (for example, dental or vision services).

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Fast and easy!
Direct Deposit

• Signing up for direct deposit is a fast and easy
  way to be reimbursed on expenses.
• When you submit a claim for reimbursement, the
  funds will be directly deposited into your
  checking account.
• Use the direct deposit form to sign up.
• Return the form via the fax number or mailing
  address on the form.

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FSA Reminders

• The Patient Protection and Affordable Care Act
  of 2010 changed the rules for the purchase of
  Over The Counter (OTC) products.
• As of January 1, 2011, FSA, HRA and HSA funds
  can no longer be used to purchase OTC medicine
  and drugs unless such medicine or drug is
  prescribed by a doctor.
• Some eligible OTC items include
• Bandages without antibiotic ointments,
  thermometers, hot/cold packs, rubbing alcohol,
  splints, etc.
• This is only a partial list. Refer to your FSA
  materials, contact Meritain Health or visit
  www.irs.gov.

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IMPORTANT DEADLINES IMPORTANT DEADLINES IMPORTANT DEADLINES
Plan Incur Expense Submit Claim
Health Care Account 12/31/2015 2/28/2016
Dependent Care Account 12/31/2015 2/28/2016


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Questions?

• Email flexonline_at_meritain.com
• Questions about your account.
• Web www.mymeritain.com
• Check status of a claim, FSA Balances, EOBs
• Call Meritain customer service 800-748-0003