1. MoneyPlu$ Insurance Education Part #6

2. Administered by Fringe Benefits Management Company (FBMC) Facts Get more “spendable” income out of paycheck Must re-enroll in spending accounts every year during enrollment period  Annual enrollment  Open enrollment May enroll or make changes in coverage due to approved special eligibility situation MoneyPlu$

3. Pretax payment of state’s health plans, State Dental Plan, Dental Plus and Optional Life premiums (for up to $50,000)  Monthly administrative fee: $.28  Once enrolled, do not need to re- enroll  Must “dis-enroll if do not want to continue (cont.) Administered by Fringe Benefits Management Company (FBMC) MoneyPlu$

4. Features Unreimbursed Medical Expenses Flexible Spending Account (FSA) Dependent Care Flexible Spending Account (FSA) Health Savings Account (HSA) Administered by Fringe Benefits Management Company (FBMC) MoneyPlu$

5. Medical Spending Account $5,000 maximum annual contribution -- some exceptions apply $3.50 monthly administrative fee Must be employed by participating employer continuously for one year to participate Administered by Fringe Benefits Management Company (FBMC) MoneyPlu$

6. Eligible expenses  Copayments, coinsurance, deductibles for health and dental (including orthodontics, if medically necessary)  Vision care  Annual physical exams (cont.) Administered by Fringe Benefits Management Company (FBMC) MoneyPlu$

7.  Prescription copayments  Out-of-pocket dental fees  Mail-order prescription copayments  Certain approved over-the-counter (OTC) medicines  Cosmetic services not covered (cont.) Administered by Fringe Benefits Management Company (FBMC) MoneyPlu$

8. Filing Methods for Reimbursement Mail claims to FBMC  P.O. Box 1878  Tallahassee, FL 32303 Fax claims to FBMC  888-800-5217 Use EZ REIMBURSE ® Card (for Medical Spending Accounts only) Direct deposit available for reimbursement of expenses Administered by Fringe Benefits Management Company (FBMC) MoneyPlu$

9. EZ REIMBURSE ® Card Facts No claims to file FBMC mails EZ REIMBURSE ® Card to subscriber’s home $10 annual fee deducted from Medical Spending Account Administered by Fringe Benefits Management Company (FBMC) MoneyPlu$

10. Eligible medical expenses  Documentation may be required  For example (subtracted at point-of- sale) Copays Deductibles (cont.) Administered by Fringe Benefits Management Company (FBMC) MoneyPlu$

11. Grace Period Applies to Medical Spending Account and limited-use Medical Spending Account Subscriber can incur expenses and use unspent “2008 money” through March 15, 2009 Administered by Fringe Benefits Management Company (FBMC) MoneyPlu$

12. Claims submitted will be deducted from unspent 2008 money before claims deducted from 2009 money  Exhaust 2008 monies first  File 2008 claims before filing 2009 claims during Grace Period (cont.) Administered by Fringe Benefits Management Company (FBMC) MoneyPlu$

13. To receive reimbursement from unspent 2008 money, subscriber must submit:  All 2008 claims first  Then, 2009 claims they want paid from unspent 2008 money Must ask for reimbursement and submit documentation by March 31 st (cont.) Administered by Fringe Benefits Management Company (FBMC) MoneyPlu$

14. Administered by Fringe Benefits Management Company (FBMC) MoneyPlu$ “Limited Use” Medical Spending Account Available to Savings Plan participants only $3.50 monthly FBMC administration fee

15. Health Savings Account subscriber not eligible for EZ REIMBURSE ® Card Subscriber may set aside up to $5,000 for vision care and dental expenses - exceptions apply (cont.) Administered by Fringe Benefits Management Company (FBMC) MoneyPlu$

16. Dependent Care Account $5,000 maximum per year $3.50 monthly administrative fee Available for dependent care expenses for child under age 13 or an older dependent unable to be left alone while employee (or spouse) works Administered by Fringe Benefits Management Company (FBMC) MoneyPlu$

17. Covers services provided in:  Daycare center  Someone’s home or employee’s home  Summer day camps (tuition, kindergarten and overnight summer camps NOT eligible expenses) (cont.) Administered by Fringe Benefits Management Company (FBMC) MoneyPlu$

18. Cannot use with federal and state tax credits Must incur expense within calendar year Unused funds do not carry over to next calendar year (“use it or lose it”) No grace period applies (cont.) Administered by Fringe Benefits Management Company (FBMC) MoneyPlu$

19. Contact FBMC Call: 800-342-8017  Internet or Integrated Voice Response available 24-hours-a- day, seven days a week Visit FBMC Web site: www.myFBMC.com MoneyPlu$ Administered by Fringe Benefits Management Company (FBMC)