Page 18 - Enrollment guide 2024-25 - v3
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Flexible Spending Accounts (FSA) Required Notices
Offered in Partnership with Summary of Benefits and Coverage
As an employee, the group health (medical) benefits
available to you represent a significant component
of your compensation package. The medical benefits
Use your FSA benefits debit card preloaded also provide important protection for you and your
with your full election amount. family in the case of illness or injury. Choosing a
If offered by your employer, a Health Care Flexible health coverage option is an important decision. To
Spending Account (FSA) is a great way to pay for out- help you make an informed choice, SchoolCare
of-pocket health care expenses using pre-tax funds. makes available a Summary of Benefits and Coverage other coverage ends (or after the employer stops
(SBC) which summarizes important information about contributing toward the other coverage).
any health coverage option in a standard format to
help you compare across options. The SBC is available If you have a new dependent as a result of marriage,
at schoolcare.org/resources-documents. A paper copy birth, adoption, or placement for adoption, you may be
is also available, free of charge, by calling your Human able to enroll yourself and your dependents. However,
Advantages of Enrolling Resources Office. Please note the Subscriber is you must request enrollment within 30 days after the
responsible for providing a copy to their dependents marriage, birth, adoption, or placement for adoption.
• Increase spendable income by reducing the amount you pay in taxes covered under the group health plan. To request special enrollment or obtain more
• Easily budget the cost of planned yearly health care expenses information, please contact your Human Resources
• Full elected funds are available on the 1 day of the plan year and can be used for medical, dental, vision Special Provisions for Employers with Office or SchoolCare at 603-836-5031.
st
and certain over-the-counter items
• Use the Health FSA for you and your family members’ expenses, even if you and your dependents are not Section 125 Plans No Surprise Medical Bills
enrolled in your employer’s medical plan
By allowing an individual to enroll in the Insurance
Plan other than during the open enrollment period, Federal law now provides special rights and
protections against surprise bills and balance billing.
If you are spending money on health care expenses such as: SchoolCare, Cigna Healthcare or Cigna Health and Effective January 1, 2022, this law provides protection
Life Insurance Company do not waive any terms of its
contracts. Further, by allowing an individual to enroll from unexpected bills from out-of-network providers
Copays • Coinsurance • Deductibles • Dental Work • Eye Glasses and Contact Lenses • Orthodontia • in the Insurance Plan other than during the open seen during an emergency or as part of a visit at an
Medical Products without Prescription • Other Medical, Dental, Vision and Hearing Products and Services enrollment period, SchoolCare, Cigna Healthcare in-network hospital or ambulatory surgical center.
You can benefit from an FSA! or Cigna Health and Life Insurance Company do Read more here.
not thereby express any opinion regarding the
appropriateness of the change under Section 125
of the Internal Revenue Code or the terms of the
employer's Section 125 plan. Wellness Programs
Check with your employer for details about your Health Care FSA offering. Your health plan is committed to helping you achieve
Special Enrollment your best health. Incentives for participating in a
wellness program are available to all Subscribers. If
If you are declining enrollment for yourself or your you are unable to participate in any of the health-
FSA Resources dependents (including your spouse) because of other related activities to earn an incentive, you may
Participants save approximately health insurance or group health plan coverage, you be entitled to a reasonable accommodation or an
may be able to enroll yourself and your dependents
alternative standard. You may request a reasonable
$30 in taxes for every $100 they • FSA Eligible Expenses List in this plan if you or your dependents lose eligibility accommodation or an alternative standard by
• FSA Calculator to help you determine how
set aside in an FSA much money to set aside in your FSA for that other coverage (or if the employer stops contacting SchoolCare’s health management
• Learn more on how to use FSA funds, tax contributing toward your or your dependents’ other provider, Cigna at 800-244-6224.
savings and general account details coverage). However, you must request enrollment View the complete notice and learn more about your
within 30 days after your or your dependents’ Protection of the Disclosure of Medical Information.
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