1. Did You Know?

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

3. That’s right.

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

5. Just take a look…

6. A family of four can expect to pay over $3,000 a year in medical expenses not covered by insurance!

7. That Includes:

8. Out-of-Pocket Expenses Annual Average Taxes Saved ( 25% Tax Bracket) Physician: $940$254 Pharmacy:$660$178 Inpatient Hospital: $870 $235 Other:$105$28 Outpatient Hospital: $430$116 TOTAL:$3,005$811

9. But, if that $3,000 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 2010, published May 2010 $800

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

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

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

13. A Flexible Spending Account (FSA).

14. FSAs let you use pre-tax money

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

16. So, whether you need to pay for

18. Prescription Copays

20. Glasses

21. Contacts

22. Dental Expenses

24. Braces

25. Allergists

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

27. In-vitro Reproductive Services

28. Speech Therapy

29. FSAs are a guaranteed discount

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

31. And, FSA dollars can also be used for

33. Licensed family or child daycare centers

35. And, Day Camps

36. Life Happens.

37. Be prepared

38. To Save

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

40. Maximize Your Employee Benefits

41. You

43. Will

45. Save

47. BIG!

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

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