3. Did You Know?

4. Employees are now contributing 45% more to their health care expenses than they did five years ago. Towers Watson/NBGH Employer Survey, April, 2011

5. That’s right.

6. And if you have a family, you know your out-of-pocket expenses have gone up too.

7. Just take a look…

8. A family of four can expect to pay over $3,200 a year in medical expenses not covered by insurance!

9. That Includes:

10. Out-of-Pocket Expenses Annual Average Taxes Saved ( 25% Tax Bracket) Physician: $1,030$278 Pharmacy:$560$151 Inpatient Hospital: $1,045 $282 Other:$120$32 Outpatient Hospital: $525$142 TOTAL:$3,280$885

11. But, if that $3,200 is put into a Health Care FSA, a family could save over in taxes. Out-of-pocket expenses through member cost sharing at time of service. Per Milliman Medical Index 2011, published May 2011 $800

12. That’s because there is a tax-saving benefit

13. that can save you an easy 20-30 percent on your hard-earned money,

14. And, 100% of employees are eligible to enroll –

15. A Flexible Spending Account (FSA).

16. FSAs let you use pre-tax money

17. to pay for medical expenses not covered by your health plan.

18. So, whether you need to pay for

20. Prescription Copays

22. Glasses

23. Contacts

24. Dental Expenses

26. Braces

27. Allergists

28. Eligible Over-the-Counter (OTC) items

29. In-vitro Reproductive Services

30. Speech Therapy

31. FSAs are a guaranteed discount

32. on money you’re already spending on health care.

33. And, FSA dollars can also be used for

35. Licensed family or child daycare centers

37. And, Day Camps

38. Life Happens.

39. Be prepared

40. To Save

41. On Your Out-of- Pocket Health Care Expenses.

42. Maximize Your Employee Benefits

43. You

45. Will

47. Save

49. BIG!

50. Sign Up for an FSA Today and Start SAVING Right Away! Start right away

51. Look for details during open enrollment, or talk to Human Resources for more information.