Group NamePlan Year: 00/00/0000-00/00/0000

Presented By:Your Name HereYour Title Here

Instructions: Find and ReplaceDelete 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

Your Health PlanCarrier

Deductible: Single: $$$ Family: $$$$

Effective 01/01/2013, Choice Strategies will be administering:

Health Reimbursement Arrangement (HRA)

Flexible Spending Account (FSA) Dependent Care Account (DCA)

Health Reimbursement ArrangementHRA

Plan Year: 01/01/2013-12/31/2013

The HRA reimburses up to: – Single: $– Family: $$

Eligible Expenses that apply to your Carrier deductible:

– Office Visits– Hospital– Prescriptions– Outpatient

Group Name’s HRA Plan:

End of Plan YearHealth 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.

Flexible Spending AccountFSA

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

You can elect to contribute up to $2,500 pre-tax

End of Plan YearFlexible 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.

Dependent Care AccountDCA

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

You can elect to contribute up to:• $2,500 if married, filing separate tax returns• $5,000 if single OR married, filing jointly

Employee SavingsExample

Without FSA / DCA Gross Monthly Salary $2,500.00 Less:   Federal Income Tax $333.61 State Income Tax $174.79 Social Security Tax $191.25 Net Income $1,800.35 Less:   Health Care Expenses $200.00 Dependent Care $400.00 Spendable Income $1,200.35

With FSA/DCA Gross Monthly Salary $2,500.00 Less:   Health Care Expenses $200.00 Dependent Care $400.00 Taxable Income $1,900.00 Less:   Federal Income Tax $253.54 State Income Tax $132.84 Social Security Tax $145.35 Spendable Income $1,368.27 Monthly Savings $167.92 Annual Savings $2,015.04

Based on 13.34% Federal Income Tax, 7% State Income Tax, and 7.65% Social Security Tax Rate

Choice Strategies CardThe 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.

Using the CardMedical Providers

Present Your Health

Insurance ID Card.

CompleteVisit

Provider Will Submit Claim

To Health Insurance

Health Insurance

adjusts claim and generates Explanation of

Benefits

You will receive an

EOB from your Health

Insurance and a doctors bill

Pay with your Choice

Strategies Card!

Do not pay on the date of service, wait until you receive the Explanation of Benefits from Carrier.

Using the CardPrescriptions

Doctor writes a Prescription

(Rx) and gives to you.

Bring Rx to pharmacy. (Make sure

updated Carrier information is on

file)

Pharmacist advises price

of Rx.

Employee pays with

Choice Strategies

Card!

IIAS (Inventory Information Approval System)No Request for documentation on Rx charges if IIAS Approved Pharmacy is used. (List available on www.choice-strategies.com)

Submitting a ClaimNeed 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

Substantiation RequirementsDocumentation 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

Substantiation ServiceFree and Voluntary

Allows Choice Strategies to view your Explanation of Benefits from the online account with Carrier

Signing Up:

1) You must set up an online account with Carrier

2) 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

Member Online Accountswww.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

Mobile AppAccess Your Information on the Go!

Available For:– iOS Apple– Android

You Can: – View account balances– View recent transactions– Submit claims– Upload supporting

documentation

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