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

... you covered. FSA / HRA / HSA / COBRA Administration: NBP Allied Distribu...

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

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

...as you covered. FSA / HRA / HSA / COBRA Administration: NBP Allied Distribu...

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 Life Insurance •Permanent Term •Universal Life •Whole Life •Term Life •Group Term Life •GI / CGI / SI •LTC Rider •AIO Rider •CI Rider •Extension & Restoration Riders

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 Vision & Dental Pharmacy •Dental PPO & Indemnity Plans •ER paid and Voluntary Plans •Flexible Plan Designs & Underwriting •Spectera Vision Program (24,000 providers) •Discount Pharmacy •$10 generic prescriptions

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 Accident •On & Off the Job •Specific Sum Injuries Benefit •Emergency treatment •Hospitalization Benefit •Sickness Disability Benefit •Extended Benefits Rider

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].

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