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At PacificSource Administrators (PSA), we’re committed to providing you with flexible, personalized service. One way we do that is through our website: PacificSource.com/PSA. Our website includes a participants-only area called MyFlex.
By logging in with a username and password, you can access personalized information about your Flexible Spending Account (FSA) or Health Reimbursement Arrangement (HRA), 24 hours a day. If you prefer doing business online to calling a Customer Service Representative, you’ll appreciate the convenience of MyFlex.
Whether you have an FSA or HRA, you can find everything you need at PacificSource.com/PSA.
Visit PacificSource.com/PSA to:
Log into MyFlex to:
Once you make your annual election during open enrollment and are set up in our system, you have access to the entire amount at the beginning of the plan year for health-related expense (HRE). Your employer will then deduct the election amount from your paychecks in equal amounts throughout the year.
If you have enrolled in dependent care expenses (DCE), reimbursement is available as payroll contributions are received and posted to your account. You can log into MyFlex at PacificSource.com/PSA to see our available balances for both your HRE and DCE.
Unless your employer has elected the carryover provision for their FSA plan, IRS regulations require eligible expenses to be incurred within your plan year dates and submitted for reimbursement within the designated submission period. Without the carryover provision, unused funds are subject to the “use it or lose it” rule. We will send you a reminder letter at the end of your plan year to advise you of any available balance in your account before the plan year ends. Please be sure to submit all eligible claims within the designated submission period to avoid losing your elected funds.
If you are covered under a general-purpose health FSA, you are not eligible to enroll in an HSA plan. This is true even if the general-purpose health FSA consists only of unused amounts from a prior year due to a grace period or carryover provision. However, if you are enrolled in a limited health FSA or HRA (covering only dental, vision, and preventive care expenses), you may still be eligible to participate in the HSA plan.
Another important thing to remember is that a general-purpose health FSA or HRA constitutes family coverage since it is available to reimburse the qualified medical expenses for you, your spouse, and dependents. Because of this, if either spouse participates in a general-purpose health FSA or HRA, neither spouse will be eligible to contribute to an HSA.
The IRS recently approved a provision in which a portion of a participant’s unused funds may be carried over into the next plan year. The carryover option is only available if your employer elects to include it in their plan and it is not available on plans that include a grace period. If carryover is not included in your plan, unused funds will be forfeited and cannot be returned to you.
The grace period is an extra 2.5 months added to the end of your plan year to give you time to use any remaining funds in your account. Your employer must elect the grace period in order for you to participate. For example, if your plan year normally ends on December 31, 2015, but your employer opted to add the grace period, you can submit claims for expenses incurred January 1, 2015 through March 15, 2016.
No. You can only change the amount you are contributing if 1) your company allows changes to the plan, and 2) you have a qualifying life event, such as birth or adoption of a child, marriage, divorce, or death of a spouse. Please contact your Human Resources Department to find out if changes are allowed, or contact our Customer Service Department at (800) 422-7038.
There are two ways this is handled so you will need to contact your employer or our Customer Service Department at (800) 422-7038 to find out which way applies to you.
If your account is fully funded out of the last paycheck you receive, then you will have access to your account funds. You will still be able to claim for services that happen throughout the plan year both before your employment terminated and after. However, your Card will be closed and all claims will need to be submitted manually, either via MyFlex or on paper.
If the employer does not collect the remaining amount to fully fund your account out of your last paycheck, you will be restricted to claiming for services that happened prior to your terminating with the company. Any expenses incurred after you left the company will not be eligible for reimbursement, even if you still have money left in the account.
View our list of eligible expenses. If you have any questions about an item you do not see listed please call Customer Service at (800) 422-7038.
Complete and sign a Request for Reimbursement from FSA or HRA form or login to MyFlex and submit a claim along with your documentation.
If your plan includes a Benny™ Prepaid Benefits Card, you have an easy, automatic way to pay for qualified healthcare expenses not covered by your health insurance. Each time you incur a qualified healthcare expense at a health-related business (like a pharmacy or doctor’s office) that accepts MasterCard®, just use your Card.
Here are some answers to a few frequently asked questions:
You may begin using your Card within one business day after funds have been loaded to the Card.
The second Benny™ can be used by your spouse or child for their eligible medical expenses. Both will be printed with your name, but the second user should sign their own name on the back. Additional Cards can be requested at any time for a $10 fee, which will be debited from your account.
The IRS requires that we verify all expenses that are not automatically accepted by our system. The system recognizes co-pay amounts given to us by your employer, as well as purchases made at retailers that may have implemented an IRS-approved inventory system.
Doctors, dentists, and other healthcare providers don’t have an inventory system in place. The date, amount paid, and the name on the credit card machine are the only pieces of information transmitted. In order to confirm eligibility of an expense, we need to see documentation that shows the following:
Please note: The Benny™ assumes the date of service is the day the Card is swiped. If you are paying for a prior service, only use your Card if the service date is within your current plan year. Prior year services need to be submitted manually as a claim for reimbursement.
If you’ve made an ineligible purchase with your Benny™, we will contact you. At that time, you have two options:
The IRS requires 100 percent of all charges be verified either through our auto-substantiation process or by submitting requested documentation. If there are any charges unverified or marked ineligible, it is mandatory (per the IRS) to suspend the Card until the item can be verified.
Participants must supply acceptable documentation, provide a valid claim to offset, or send a refund for ineligible transactions within 150 days of the end of the plan year in which the transaction occurred or within 150 days after the Card has been closed. Without substantiating documentation, the transaction is deemed undocumented and unrecoverable in our system.
If participants do not resolve the transactions within the designated time, the employer must then take additional steps to help correct the transaction and remain in compliance with IRS guidelines. They may request repayment of these amounts from their employees or report them as wages on Form W-2.
Do you have a Dependent Care Expense Account? If so, are you tired of submitting claims for reimbursement for daycare costs? If you answered “yes” to these questions, we have a solution for you! Consider enrolling in our Dependent Care Recurring Expense Program. If your daycare rates are based on a flat weekly, biweekly, or monthly rate, this program can help you simplify the reimbursement process. Here’s how to get started:
That’s it! Once it’s set up, you won’t need to submit additional documentation in the current plan year, unless your expenses change. As we receive payroll deductions to your FSA, we’ll automatically generate recurring reimbursements based on a flat weekly, biweekly, or monthly rate. The arrangement is valid for the duration requested or for the plan year, whichever is less.
Need to make a change to your recurring reimbursement before the plan year is over? Simply submit a new form, and we’ll make the adjustment.
Do you have a Flexible Spending Account (FSA) or Health Reimbursement Arrangement (HRA) and PacificSource health insurance coverage? If so, we have a great benefit for you!
PacificSource Administrators (PSA) and PacificSource Health Plans have teamed up to offer EasyPay, a free program that makes using your FSA or HRA even more convenient.
The EasyPay option allows you to be reimbursed automatically from your qualifying FSA or HRA for eligible medical, vision, prescription, and dental expenses that are processed by PacificSource Health Plans. Here’s how it works:
The amount shown in the “Patient Responsibility” column on your EOB, or your co-pay amount on your pharmacy receipt, is the amount that we will review to determine eligibility and reimbursement.
To take advantage of the EasyPay option, just complete the EasyPay Enrollment Form, available from your benefits administrator or on our website at PacificSource.com/PSA > My Flex Benefits > Forms and Materials. You can submit your completed form in one of the following ways:
Please allow at least ten business days for your enrollment form to be processed.
While EasyPay is a convenient option for using your FSA or HRA, there are a few things we want to make sure you’re aware of:
Questions about EasyPay? You’re welcome to contact our Customer Service Department—a representative will be happy to assist you.