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

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

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

4. 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

5. 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 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

6. FSA Website Access – Delta’s website
If DHS is your claims administrator
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

7. 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

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

9. Website Access – FSA/QTA
Cardholder profile
Summary
Activity details
Reports
Forms
Statements
Merchants

10. 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

11. 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

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

13. For Pacific QHDHP

14. 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

15. HSA Bank-Paying for Qualified Expenses

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