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COBRA Administration and How AmeriFlex'...ll handle virtually all of the unique COBRA “back office” needs. ...

... including education •COBRA and HIPAA administration ̶...

... including education •COBRA and HIPAA administration ̶...

Health Savings Accounts Protection for the inevitable rainy day. With health insurance premiums ever on the rise, employers and employees must cope with higher co-payments, higher deductibles and increased provider restrictions. Many employers are now exploring alternatives to standard medical care that combine high-deductible health plans (HDHP) with Health Savings Accounts (HSA) to ease this burden. If you’re offering a HDHP to your employees, a HSA just might be the perfect solution for you. A HSA makes health coverage more like insurance – what health care coverage should be. HSAs can be funded by either an employee or an employer. The savings roll over into subsequent years, earning interest. This low-cost, tax-free alternative to traditional insurance is the biggest change to health policy in decades. Unexpected sickness or injury is never a part of your employees’ plan, but paying for it can be. Seize the HSA opportunity. AmeriFlex has partnered with First Horizon Msaver, one of the nations premier HSA experts, to provide our customers with the best possible Health Savings Account financial product and services. For over 140 years, First Horizon has been providing a wide range of financial products and services. First Horizon Msaver, founded in 1996, was first-to-market with Medical Savings Accounts (MSAs), now Health Savings Accounts (HSAs), and is the oldest, most recognized and most respected HSA administrator in the country. First Horizon Bank, a division of First Tennessee Bank National Association, is the custodian for the AmeriFlex HSA program. For more information regarding Health Savings Accounts, please review the documents and links to the left or contact AmeriFlex's Marketing Department at 888-868-3539, ext. 112 or [email protected].

NBP, Your Single Source for Voluntary Benefits •Multi-Carrier “Best of Breed” product portfolio •Single point of contact •Single Source Billing •Benefit communications & enrollment resources •Develop a significant broker network through NBP Distributors Mini Medical •Flexible Plan Designs •Guarantee Issue •No Participation Requirements •No Contribution Requirements •No Deductibles •No Coordination •Additional PPO Networks available

Flexible Spending Accounts "Cafeteria Plans" offer a large menu of benefit options to employees Flexible Spending Accounts (FSAs), commonly referred to as “Section 125” plans or “Cafeteria” plans, were developed as part of Internal Revenue Code Section 125 to provide employees with tax relief for their un-reimbursed medical and dependent day-care costs. FSAs enable employees to utilize pre-tax dollars and save Federal, FICA, and, in most cases, state taxes when paying for eligible expenses not covered by traditional insurance plans. Although FSAs have been available for many years, the emergence of consumer-driven healthcare and increased employee cost-sharing has made them an integral benefits solution that provides substantial tax savings to both employers and employees. There are three types of Flexible Spending Accounts: 1.Medical Reimbursement Accounts: Accounts used to pay for eligible un-reimbursed medical expenses such as co-pays, deductibles, dental, vision, prescription, over-the-counter drugs, and more. 2.Dependent Day-Care Reimbursement Accounts: Accounts used to pay for the daily care of an eligible child or adult dependent as defined by the IRS; 3.Commuter Reimbursement Accounts: Accounts used to pay for eligible transportation and parking expenses. To further enhance the benefits of implementing FSAs, AmeriFlex offers the AmeriFlex Convenience Card® MasterCard®. This single-platform debit card allows for the automatic electronic transfer of pre-tax dollars from an FSA when paying for qualified expenses. Most importantly, the AmeriFlex Convenience Card® can accommodate and administer all three accounts on the same card without an incremental fee. For more information regarding Flexible Spending Accounts, please review the documents and links to the left or contact AmeriFlex's Marketing Department at 888-868-3539, ext. 112 or [email protected].