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/ /31/2013
Plan Start Date: 01/01/2013
HRA Single Funding: $
HRA Family Funding: $$
Carrier Single Deductible: $$$
Carrier Family Deductible: $$$$
FSA Maximum: $2,500
Write Script Here

3. Your Health Plan Deductible:
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)
Write Script Here

4. Health Reimbursement Arrangement
HRA
Group Name’s HRA Plan:
Plan Year: 01/01/ /31/2013
The HRA reimburses up to:
Single: $
Family: $$
Eligible Expenses that apply to your Carrier deductible:
Office Visits
Hospital
Prescriptions
Outpatient
Write Script Here

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/ /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.
Write Script Here

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

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/ /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.
Write Script Here

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/ /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
Write Script Here

9. Employee Savings Example 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
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
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
Write Script Here
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.
Write Script Here

11. Using the Card Medical Providers
Present Your Health Insurance ID Card.
Complete
Visit
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
Write Script Here
Do not pay on the date of service, wait until you receive the Explanation of Benefits from Carrier.
Pay with your Choice Strategies Card!

12. Using the Card Prescriptions
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!
Write Script Here
IIAS (Inventory Information Approval System)
No Request for documentation on Rx charges if IIAS Approved Pharmacy is used. (List available on

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”
, Fax, or Mail
Fill out a Claim Form available under the “For Members” and “Forms” page on
Attach supporting documentation
Write Script Here

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 to provide documentation on card transactions.
Supporting documentation requested may include:
Explanation of Benefits (EOB)
Rx Receipts
Provider Bills
Write Script Here

15. To take advantage of our Substantiation Service, enroll online at:
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
Write Script Here
To take advantage of our Substantiation Service, enroll online at:

16. Member Online Accounts
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
Address
Direct Deposit
Mailing Address
Write Script Here

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

18. Contact Us! Phone: 1-888-278-2555 (Option 2) Monday-Thursday
Member Services is Here to Help You!
Phone:
(Option 2)
Monday-Thursday
8:00 am – 7:00 pm (EST)
Friday
8:00 am – 5:00 pm (EST)
Thank you for taking the time to view this presentation! If you have any questions, please contact Member Services by phone or !