Flex­i­ble Ben­e­fit Plans remain an effec­tive way for employ­ees to shel­ter their income tax-free to pay for antic­i­pat­ed health, day care and com­muter expens­es as well as pre­mi­um con­tri­bu­tions. We are scrupu­lous in providing:

  • Plan doc­u­ments (Cafe­te­ria Plan and each of the com­po­nent offerings)
  • Details and sim­pli­fied enroll­ment forms
  • Detailed Q&A for­mat in addi­tion to the required Sum­ma­ry Plan Description

We have offered com­pre­hen­sive Flex Ser­vices for more than 2 decades. Because we are a bro­ker-owned admin­is­tra­tor, we have insight and a greater empa­thy for the needs of employ­ers and their employ­ees than what you often find with our “big box” com­peti­tors. We will coun­sel employ­ees on how to best present their claims (to ensure audit com­pli­ance) and review how the plan works and how much to set aside. We pro­vide edu­ca­tion in sev­er­al dif­fer­ent for­mats, both ahead of enroll­ment and dur­ing time of claim:

  • Group meet­ings fol­lowed by one-on-one counseling
  • Attach­ment of mate­r­i­al to a web­site, or cre­ation of a cus­tomer Flex website
  • Ongo­ing com­mu­ni­ca­tion as rules change
  • Detailed out­line of what is allowed, not allowed, or what may be allowed

Automa­tion is, of course, a neces­si­ty. We use a top-flight claims admin­is­tra­tion sys­tem with a nation­al man­ag­er, which offers the following:

  • Choice of deb­it card or man­u­al claims (which can be reviewed at submission)
  • Online por­tal so employ­ees may check their balances
  • Direct deposit of reim­burse­ment accounts (ACH)
  • Man­age­ment reports on cur­rent bal­ances and account reconciliation
  • Man­u­al enroll­ment upload or elec­tron­ic sub­mis­sion from HRIS, etc.

We main­tain a trust account through a Sono­ma Coun­ty bank on a “per employ­er” basis. We coor­di­nate Flex Plans with your COBRA admin­is­tra­tion, giv­ing them annu­al updates.

Sys­tems and pric­ing may be the same, but what ends up dis­tin­guish­ing us from the rest is the per­son­al style and accom­mo­da­tion we make for those who were sup­posed to “ben­e­fit” from this “ben­e­fit” — your employees.

To down­load and print a flex form, please click here.

 

Video Library

Consumer — Video — Open Enrollment Program — What Is a Limited-Purpose FSA

Use this video to help con­sumers under­stand lim­it­ed-pur­pose flex­i­ble spend­ing accounts (LPF­SAs), includ­ing how much they can con­tribute to a LPFSA. Updat­ed for 2019.

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Consumer — Video — Open Enrollment Program — What is a Health Reimbursement Arrangement

Use this video to help con­sumers under­stand health reim­burse­ment arrange­ments (HRAs). Updat­ed for 2019.

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Consumer — Video — Open Enrollment Program — What Is a Dependent Care Account

Use this video to help con­sumers under­stand depen­dent care accounts (DCF­SAs), includ­ing how much they can con­tribute to a DCFSA. Updat­ed for 2019.

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Consumer — Video — Open Enrollment Program — What is a Commuter Benefit Account

Use this video to help con­sumers under­stand com­muter ben­e­fit accounts, includ­ing how much they can con­tribute to com­muter accounts. Updat­ed for 2019.

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Consumer — Video — Open Enrollment Program — Managing Healthcare Finances

Use this video to help con­sumers under­stand how they can take greater con­trol of their health­care finances and improve their over­all finan­cial wellness.

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Consumer — Video — Open Enrollment Program — How Much Should I Be Saving

Use this video to help con­sumers under­stand how much they should be sav­ing for out-of-pock­et health­care costs.

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Consumer — Video — Open Enrollment Program — Comparison of Benefit Accounts

Use this video to help con­sumers under­stand the dif­fer­ences between health sav­ings accounts (HSAs), flex­i­ble spend­ing accounts (FSAs), and health reim­burse­ment arrange­ments (HRAs).

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Consumer — Video — Open Enrollment Program — Choosing a Health Insurance Plan

Use this video to help con­sumers under­stand how to make an informed deci­sion when it comes to select­ing their health insur­ance plan.

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Consumer — Video — General Information — What Items Are Eligible

Use this video to help con­sumers under­stand what items are eli­gi­ble for pur­chase with their ben­e­fit account.

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Consumer — Video — General Information — How Does My Debit Card Work

Use this video to help con­sumers under­stand how to use their ben­e­fit account deb­it card.

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Consumer — Video — General Information — How Do I View My HSA Statement

Use this video to help con­sumers under­stand how to view their health sav­ings account (HSA) statement.

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Consumer — Video — General Information — How Do I Set Up Direct Deposit

Use this video to help con­sumers under­stand how to set up direct deposit for ben­e­fit account reim­burse­ment claims.

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Consumer — Video — General Information — How Do I Pay a Bill

Use this video to help con­sumers under­stand how to pay a med­ical bill using their ben­e­fit account.

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Consumer — Video — General Information — How Do I File a Claim

Use this video to help con­sumers under­stand how to sub­mit a ben­e­fit account claim.

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Consumer — Video — General Information — How Do I Enroll in Text Alerts

Use this video to help con­sumers under­stand how to enroll in text mes­sage alerts for their ben­e­fit account.

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Consumer — Video — General Information — How Do I Download and Use the Mobile App

Use this video to help con­sumers under­stand how to down­load and use their ben­e­fit account mobile app.

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Consumer — Video — General Information — How Do I Complete My Account Profile

Use this video to help con­sumers under­stand how to com­plete their ben­e­fit account profile.

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Consumer — Video — General Information — How Do I Check My Balance

Use this video to help con­sumers under­stand how to check their ben­e­fit account balance.

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Consumer — HSA — Video — Open Enrollment Program — What is an HSA

Use this video to help con­sumers under­stand the pur­pose of a health sav­ings account (HSA) and how it works, includ­ing how much they can con­tribute to an HSA. Updat­ed for 2019

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Consumer — HSA — Video — HSA Guided Portfolio — How Do I Use This Investment Tool

Use this video with­in your mem­ber por­tal’s resource repos­i­to­ry to walk par­tic­i­pants through the HSA Guid­ed Port­fo­lio tool that is avail­able to help them invest and man­age their HSA invest­ment account funds.

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Consumer — HSA — Video — HSA Guided Portfolio — General Information

Use this video to pro­mote and com­mu­ni­cate the val­ue of the easy-to-use HSA Guid­ed Port­fo­lio tool that is avail­able to help par­tic­i­pants invest and man­age their HSA invest­ment account funds.

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Consumer — HSA — Video — General Information — HSA Investments

Use this video to help con­sumers under­stand how invest­ing their health sav­ings account (HSA) funds helps them max­i­mize the val­ue of their HSA. Updat­ed for 2019.

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Consumer — HCFSA — Video — Open Enrollment Program — What is an FSA

Use this video to help con­sumers under­stand the pur­pose of a flex­i­ble spend­ing account (FSA) and how it works, includ­ing how much they can con­tribute to an FSA. Updat­ed for 2019.

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Employer — Video — Employer Portal — Uploading Contributions & Payroll Deposits

Use this video to help employ­ers under­stand the ways they can man­age con­tri­bu­tions into their employ­ees ben­e­fit accounts.

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Employer — Video — Employer Portal — Navigating the Employer Portal

Use this video to help employ­ers under­stand the basic nav­i­ga­tion of the Employ­er Portal.

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Employer — Video — Employer Portal — Accessing Benefit Account Reports

Use this video to help employ­ers learn how to access impor­tant reports for man­ag­ing their ben­e­fit accounts.

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