Consumer-Driven Health (CDH) Plans DELIVERING AS PROMISED Consumer-Driven Health (CDH) Plans Presented To University of the Pacific

Agenda Wex Swipe Card Website Access Reimbursement Requests Election amounts and Limits Important Information HSA Bank for non Kaiser High Ded Plan

WEX Health Overview CDH administration software and benefit cards Core product applications: Flexible Spending Accounts (FSAs) Dependent Care (DCA) Wex® Prepaid Benefits Card

WEX Prepaid Benefits Card Cardholder uses Card to pay for eligible items at IIAS merchant that accepts MasterCard® or Visa® (over 50,000 locations nationwide) Eligible expenses are deducted from the account balance at the point of sale Transactions are substantiated but you may be required to provide documentation Card can also be used in response to “balance due” notice from a hospital, doctor, dentist, or vision provider WEX Health uses its auto-substantiation technology to electronically verify the transaction’s eligibility according to IRS rules

How the Cards Works If the FSA transaction is auto substantiated (85-95% of the time), no further action is necessary; otherwise, the cardholder will receive a letter or email requesting a receipt to verify the expense Participant account information and transaction history is available 24/7 online Use your card for FSA, Dependent Care, Limited FSA (Dental and Vision for those that are on the H S A during their first year), Transit, and Parking Participants will receive 2 Cards in the mail – one for the participant and one for the spouse or a dependent – along with important information on using the Cards Cards, once issued, have a 3-year expiration For the HSA with Pacific HDHP, HSA Bank will issue up to two cards at no cost

FSA Website Access – Delta’s website If DHS is your claims administrator www.deltahealthsystems.com Click on the Flexible Spending link Registration: first four letters of your last name and the last four digits of your SSN Example: “smit6789” Change your user name and password

FSA/QTA Website Access – What’s available? List of your accounts Summary of your accounts Status of your accounts Statements Reimbursement and balance reports Claims history

Website Access – Hrbenefitsdirect If DHS is not your claims administrator Kaiser members www.hrbenefitsdirect.com/delta Registration: first four letters of your last name and the last four digits of your SSN Example: “smit6789” Change your user name and password

Website Access – FSA/QTA https://my.wexhealthcard.com/LoginPage.aspx Cardholder profile Summary Activity details Reports Forms Statements Merchants

FSA/DCA/QTA Reimbursement Options File a claim using a claim form Mail or fax to File a claim on hrbenefitsdirect.com My account > New claim Follow prompts and submit Pay with your swipe card 90 days to submit claims at the end of the plan year

Election Amounts and Limits FSA Health - $2,700 Dep Care – $2,500 Single or married, filing separate Dep Care – $5,000 Single, filing head of household or married, filing joint return Parking $265 / month Transit HSA Single Coverage $3,500 Family $7,000

Important Information Delta Health Systems – (888) 478-7331, FSA, DCA, Transit, Parking, Swipe Card www.deltahealthsystems.com - FSA, DCA, Transit, Parking, Swipe Card my.wexhealthcard.com - (866) 898-9795 view swipe card transactions and balances real-time

For Pacific QHDHP

HSA Consumer Experience HSA Bank Debit Card Payment Online consumer-initiated payment Sara goes to the doctor After tax dollars/submit for reimbursement Provider submits expense to health plan After tax dollars/leave $ in HSA to accrue interest Health plan processes claim and applies discount Pre-set Automatic payment by check or EFT

HSA Bank-Paying for Qualified Expenses

DELIVERING AS PROMISED THANK YOU! Presenter: Diana Cortez USI Account Executive