NEW Third Party Administrator (TPA) for HRA, HSA and FSA Accounts
Effective January 1, 2015, PayFlex Services USA, Inc. will replace WageWorks as the TPA for administration of all of our reimbursement accounts. The card you receive will say HealthHub by PayFlex® and will resemble the image below.
Using the HealthHub by PayFlex® your account debit card:
The HealthHub by PayFlex® debit card makes it easy for you to spend the money in your PayFlex account. The card is available for the following accounts:
· Health Savings Account (HSA)
· Health Reimbursement Account (HRA)
· Health Care Flexible Spending Account (FSA)
And with the new administrator comes some new rules!
With HealthHub by PayFlex®, you have the opportunity to grow your HSA balance by investing in a variety of mutual funds. You can do this once you have more than $1,000 in your HSA. For more information about your investment options, visit HealthHub.com.
BLACKOUT PERIOD: Your Humana/UMB card will be deactivated effective December 31, 2014; and there is a short “blackout period” for any remaining funds that you chose to transfer until January 15, 2015. If you completed your Engagement Incentive your funding for 2015 will be available on the new HealthHub (PayFlex) card on January 9, 2015.
Effective January 1, 2015 you will be able to use your HRA for more than just medical and prescription expenses. For CDH enrollees, we have opened up the HRA to allow dental and vision expenses to be paid from the account.
BLACKOUT PERIOD: Your WageWorks card will be deactivated effective December 31, 2014; there will be a blackout period from January 1st through January 31, 2015 to allow for reconciliation and transfer of account balances to PayFlex. County-funding for 2015 will be available on the new HealthHub (PayFlex) card on January 9th (1st pay period in 2015), if verification of Engagement Incentive was received by Employee Benefit Services by December 15, 2014. Verification received after December 15, 2014, will be funded in the pay cycle following receipt of verification.
Members enrolled in a 2014 Health Care or Dependent Care FSA will continue to submit 2014 expense claims to WageWorks through the standard 90 day run out period ending on March 31, 2015. New 2015 FSA accounts will be administered through HealthHub by PayFlex®.
Members enrolled in both a health care FSA and the County-funded HRA have NEW RULES AND PLAN BENEFITS IN 2015 – the FSA will pay all expenses first, and when exhausted, the HRA will pay all claims second. This means that the HRA will pay for dental and vision in 2015!
Important Information about Your PayFlex Card
It’s important to save your detailed receipts, itemized statements and Explanations of Benefits (EOBs). If you have a health care FSA or HRA, HealthHub by PayFlex® may ask you to provide documentation to verify that you used your card for an eligible expense. The IRS requires us to do this. If you have an HSA, you won’t be asked to provide documentation for your card transactions. However, we recommend that you still keep your documentation for tax records in case you are audited by the IRS.
Activation Process for HealthHub
Effective January 1, 2015, PayFlex Services USA, Inc. will replace WageWorks and Humana/UMB Bank as the Third Party Administrator for administration of all of our health reimbursement and health savings accounts. WageWorks and Humana debit cards will terminate on 12/31/14. New bank cards have been mailed by PayFlex/HealthHub and will need to be activated prior to use.
To activate your bank card, you will be required to enter a four digit verification number; which is the last four digits of your Employee ID: example – Employee ID 1000012345, you would enter 2345.
To set up your Health Reimbursement Account (HRA), Health Savings Account (HSA) or Flexible Spending Account (FSA), go to HealthHub.com, click on Employee Account Login, then Register Now. Your Member ID is your Employee ID without the 1 in front of it, example: Employee ID is 1000012345, enter 000012345. If prompted, the Employer ID is 131780. Once registered you can order additional cards for insured dependents by clicking on Manage My Debit Card(s).
2014 HRA balances will be transferred from WageWorks to PayFlex/HealthHub at the end of January 2015, to allow time for claims in process to be paid and accounts to be balanced by WageWorks.
2014 HSA balances will be transferred from UMB Bank to PayFlex/HealthHub on January 15, 2015 if a Transfer Form was received by Employee Benefit Services. If you had an HSA in 2014 and remain enrolled in the High Deductible Health Plan in 2015 but did not complete a transfer form, your HSA account will remain with UMB Bank and you will be charged a monthly service fee.
2015 HRA and HSA funding for employees who submitted their Engagement Incentive Affidavit by December 15, 2014 will occur on January 9, 2015.
If you submitted your Engagement Incentive Affidavit after December 15, 2014 it will be funded in a later pay period. If you did not submit an Engagement Affidavit, 2015 HRA and HSA funding will not be provided until you submit your Engagement Incentive Affidavit and it is verified by Humana. Remember: If you insure your spouse or domestic partner, they are also required to complete the Engagement Incentive Affidavit. If only one of you submit the Affidavit, you will receive half of the 2015 funding.
We appreciate your patience as we go through this transition from WageWorks and UMB Bank to PayFlex/HealthHub.
If you have any questions or want additional information, please contact Employee Benefit Services at Benefits@Broward.org or at 954-357-6700.
Pharmacy Plan Changes
Effective January 1, 2015, members in the CDH plans will incur the first pharmacy copay increase since 2006. Our prescription copays are still lower than surrounding public employers; and the County will continue to provide a 90-day supply for only two copays – another cost savings benefit! (HDHP plan members are not affected and are still subject to deductible and coinsurance.)
New 2015 Copay Rates (CDH plans only)
30/90 Day Supply
30/90 Day Supply
30/90 Day Supply
30 Day Supply Only
30/90 Day Supply
Dispense-As-Written (DAW1) prescribed by physician
As the cost of brand drugs has continued to increase, many employers have eliminated or required the member to pay the difference between brand and generic costs when a generic is available, even when prescribed by the physician as “dispense as written” (also known as DAW1). Rather than eliminate this option or make it cost prohibitive, the County has created a separate DAW1 tier of coverage for such situations. Accordingly, if your physician prescribes a brand drug with DAW1, you will have a higher copay of $75 for 30 days and $150 for 90 days in 2015. (Note: if the cost of the drug is less than $75/$150, you will pay the lower cost.)
On-site Vitality Checks:
Check back for schedules.
Off-site Vitality Checks:
Concentra Medical Clinic
Concentra - Walk-in Voucher
Walgreens Healthcare Clinic
Walgreens Healthcare Clinic - Walk-in Voucher
Your Primary Care Physician
Physician - Vitality Check Form
2015 Engagement Incentive
Don't forget to submit your 2015 Engagement Incentive Affidavit at any time in 2015. Funding will available after receipt of the affidavit for a qualifying wellbeing service.
More information can be found in the 2015 Engagement Incentive Affidavit.
Review your 2015 Payroll Deductions
Remember to review your January 9, 2015 payroll deductions with your confirmation statement you printed during Open Enrollment. The link to print another copy is available until January 15, 2015. If there are any discrepancies between your Open Enrollment confirmation statement and your paystub, please contact Employee Benefit Services immediately. Please keep in mind that this is not an opportunity to make changes to your plan selections, but to resolve any system errors that may have occurred. You can contact Employee Benefit Services at firstname.lastname@example.org or at 954-357-6700.
Required Plug-ins: Adobe® Reader®