FLEXIBLE SPENDING ACCOUNT ( FSA)

Provided by Infinisource

Commdex Consulting offers employees the opportunity to participate in the Healthcare Flexible Spending Account (FSA) and Dependent Care FSA. These programs may provide you with significant tax advantages as they allow you to pay for eligible out-of-pocket expenses with pre-tax dollars through payroll deductions. It is very important that you estimate your annual expenses as accurately as possible because the plan’s balance does not rollover from year-toyear

Our FSA administrator is Infinisource Enrollees will receive a debit card with which you can make qualified FSA purchases You may also pay upfront and get reimbursed by submitting reimbursement, proof of purchase, and dates of service. You may easily file a claim and manage your account through your personalized iSolved online portal https://infinconsumer.lh1ondemand.com/Login.aspx or via the iFlex App. To register your account, your login and password will be your lowercase first initial, last name, and last four digits of your Social Security Number. You will then be prompted to change your password

Healthcare Flexible Spending Account

You may defer up to $3,050 to your Healthcare FSA to fund eligible out-of-pocket healthcare expenses. The following list provides examples of expenses eligible for reimbursement under the IRS guidelines:

• Non-covered medical expenses that quality under Section 217 of the IRS code

• Deductibles

• Office visit copays

• Prescription medication

• Over-the-counter medications (require physician prescription)

• Hearing and dental expenses not covered by insurance

Examples of non-eligible expenses include cosmetic surgery, electrolysis, toiletries, vitamins, health club dues.

Dependent Care FSA

You may defer up to $5,000 (single or married filing jointly) or up to $2,500 (married filing separately) to your Dependent Care FSA to fund eligible out-of-pocket expenses for childcare and eldercare. To be eligible for reimbursement, expenses must meet the following criteria established by the IRS:

▪ The person cared for must be under age 13, or if older, physically or mentally incapable of self-care

▪ Day care must be necessary in order for you and your spouse to work

▪ The person cared for must be claimed as a dependent on your federal tax return and must reside in your home at least eight hours per day

▪ Payment for care cannot be made to anyone you claim as a dependent on your income tax return, to your spouse or to a child under age 19.

▪ If care is provided by a center that cares for more than six individuals, it must be licensed.

For a complete list of eligible medical and dependent care expenses, you may access publications #502 (healthcare) and #503 (dependent care) on the web at www.irs.gov.

Staying healthy includes obtaining quality dental care for you and your family Our dental benefits, administered by Mutual of Omaha, provide a wide range of dental services including preventive care, fillings, and x-rays.

You have the freedom of choice to utilize in-network or out-of-network providers For a list of in-network providers, visit www.MutualofOmaha.com/dental. When you visit an in-network dentist, your out-of-pocket expenses are lower In-network dentists will file the claim for you and services are paid at the Mutual of Omaha negotiated rate

Entrant* Waiting Periods: -Preventive & Diagnostic Services: None

-Basic Services:

-Major Services:

-Orthodontic Services:

12 Months

12 Months

12 Months

*Late Entrant: Anyone that enrolls after their initial eligibility period (new hires).

Exams, Cleanings, Bitewing X-rays, Full mouth X-rays, Fluoride up to age 19, Sealants up to age 14, Space Maintainers up to age 14

Periodontal Maintenance, Fillings, Simple Extractions, Oral Surgery, Endodontics, Periodontics, Denture repair, Bridge repair, Crown repair, Inlays & Onlays repair, Surgical Extractions,

Inlays, age 19