Health Reimbursement Accounts (HRAs) are employer-funded benefit plans from which employees are reimbursed tax-free for qualified medical expenses. If your school offers an HRA, your employer funds and owns the arrangement. HRAs are not Health Savings Accounts! Unused HRA balances are rolled over from year-to-year and you become vested in your HRA after 36 months of participation in an ICUBA medical insurance plan (with HRA attached). This means you can continue to use your HRA for eligible expenses after you separate from your employer. Please note HRA funds are not transferrable and cannot be cashed out.

HRA funds are available either monthly or pre-funded annually depending on the process decided on by your employer. Monthly funding example: If your HRA is funded monthly, funds are deposited at the end of the month. For example, if you are hired with an ICUBA member school August 15, 2022, and enroll in a medical plan with an effective date of September 1, 2022. Your first HRA deposit will be available at the end of September (deposits are usually posted the 25th of each month). Annual funding example: If your HRA is funded annually, funds are prorated for the remaining months in the plan year and advanced the first month of your eligibility. For example, if you are hired with an ICUBA member school August 15, 2022, and enroll in a medical plan with an effective date of September 1, 2022. Your advance HRA deposit will be available at the end of September (deposits are usually posted the 25th of each month) and will be prorated to include 7 months of HRA funding. It is important to note that HRA funding is subject to eligibility and enrollment in a medical plan with ICUBA. Funding dates may vary based on when elections are made and processed in the system. In most cases, HRA funds are applied at the end of your second month of eligibility to account for elections you may make after ICUBA's regular funding schedule has passed

ICUBA members are vested in their HRA funds if they separate service from an eligible employer and have been enrolled in an ICUBA medical insurance plan for 36 months at the time of separation. Vested HRA funds can be used to pay for qualified healthcare expenses after your separation from service. ICUBA charges a monthly administration fee of $10.60 for vested HRA accounts.

If you have a Healthcare Flexible Spending Account (HCFSA) and a Health Reimbursement Account (HRA) at the same time your HCFSA funds will be used first when paying for eligible expenses with your ICUBA Benefits MasterCard. HCFSA funds are used first because they are "use-it-or-lose-it" funds deducted from your paycheck each pay period during ICUBA's plan year. If you need to use your HRA funds first, submitting a claim online is your best option. Keep in mind, you can use your HRA funds for eligible expenses you have incurred for up to 12 months or the effective date of your HRA (whichever is earlier). HCFSA can only be used for expenses you incur on or after April 1, extending through June 15 of the following plan year.

You can only use HRA funds (for the eligible healthcare and healthcare related expenses) for members of your family covered under your ICUBA medical insurance plan. If your family members are not covered under your ICUBA medical insurance plan, you may not use HRA funds to pay for their medical expenses.

Your health reimbursement account cannot be cashed out upon separation from service. If you have funds available on your ICUBA Master Card at the time of separation and you are vested, you may continue to use those funds for eligible healthcare expenses after separation.

Eligible expense examples are available in the Ameriflex participant portal website at https://myameriflex.crunch.help/participants/eligible-expenses. You can use the below links to find the qualifications for each item. · Click here for the FSA specific list at the FSA Store · Click here for a list of FSA-eligible dental services and procedures

If you have not received your card, the reason may be due service delays from the postal service or recent changes to your mailing address. Additionally, the ICUBA Benefits MasterCard is mailed in a plain white envelope and is easy to discard or overlook. You can always check the status and order a replacement card online at myameriflex.com.

Visit the Ameriflex Participant Portal at https://participant.myameriflex.com/#/register • Enter your name, date of birth, and SSN • Click Next to enter your login information • Enter your email, choose and confirm your password • The page will refresh, and you will be taken to your account home page. Watch a short video from Ameriflex about how to get setup online at https://myameriflex-3.wistia.com/medias/gcscapmeun

You have two options for paying for eligible orthodontia expenses with your ICUBA Benefits Mastercard from Ameriflex! · Fill out the Ameriflex Orthodontia Claim Form and submit the filled out form to Ameriflex to get reimbursed for orthodontia expenses. · Pay the provider directly using their Ameriflex Debit Mastercard®. In either case, you must provide Ameriflex with a copy of the financial agreement/contract from the orthodontia provider. Ameriflex must also have all of the following information in order to review your orthodontia claim: · Total cost of treatment · Amount covered by insurance · Down payment amount · Installment payment amount and frequency (Monthly/Weekly/Other) · Date treatment begins/began and estimated length of treatment Orthodontia is an eligible FSA expense, but treatment and payment often occur over a number of days, months, or years. FSAs are designed to reimburse expenses from services rendered during the coverage period, typically the corresponding 12-month benefit year. Check with your employer to see whether they allow orthodontia to be reimbursed in advance of the services rendered or on a monthly basis based on a copy of the orthodontia contract. For more information, read the full article from Ameriflex

Substantiation is required by the IRS for every transaction made using your ICUBA debit card. Our goal is to remove as many barriers as possible to the substantiation process to make it easier for you to substantiate your card swipes. We are streamlining much of the substantiation process. If a card swipe is for a copay or at an IIAS merchant, it will be approved and it stops there. Moving forward, Ameriflex will only suspend/turn-off cards after it has been determined that you have had every opportunity to substantiate the claim. Will I receive more than one card from Ameriflex? Initially, you will only receive one card from Ameriflex. You may request additional cards for eligible dependents (over age 18) after adding them to your Ameriflex Portal Profile.

Yes, you can request cards from Ameriflex for eligible dependents age 18 and older by logging in to the Ameriflex participant portal. The process only takes a few minutes to complete. · Log in to your Ameriflex account · Click More on the top navigation bar and select Profile · Click the Add Dependent button on the top right · Enter your dependent’s information, including: first and last Name, social security number, birth date, gender and dependent type · Click Add Dependent Once you add dependents to your account, you can request cards for eligible dependents over the age of 18. In special circumstances, members may need cards for eligible dependents under age 18. If you need a card for an underage dependent contact Ameriflex customer support. Call: 888.868.3539 Email: service@myameriflex.com Please note: your dependent must already be added to your Ameriflex account before a card can be issued.

Adding dependents to your profile is required when you request reimbursement for expenses incurred by an eligible dependent, or when you request additional Ameriflex cards for eligible dependents (over age 18). Adding dependents will may not be required for day-to-day transactions.

If you use personal funds to pay for a claim you can submit the expense for reimbursement and Ameriflex will send the funds via check to your mailing address on file, or via direct deposit if you have that setup in their portal.

There are a couple of ways you can access your Ameriflex account. The easiest way is to use ICUBA's Secure Single Sign-on in the Benefits Portal Once you login click on the Ameriflex link in the "My Carrier Accounts" section. You can access your Ameriflex account online at participant.myameriflex.com. From the Ameriflex login page, enter your username and password or if this is your first time visiting the site click on the link labeled "New User Registration". Please note you may need to login using the ICUBA Secure Single Sign-on before you can create your Ameriflex account to access their web portal and mobile app.

The customer support center at Ameriflex is the busiest on the first day of the month and the last day of the month. Additionally, the busiest call day at Ameriflex is Monday and wait times can be up to 20 minutes on those days. If you do not want to wait on hold you can opt to have an Ameriflex representative call you back. Customer service is available Monday through Friday: 7:00 AM to 8:00 PM and Saturday: 9:00 AM to 1:00 PM CST by calling (888) 868-3539.

Flexible Spending Accounts are employee benefit accounts that allow you to have pre-tax dollars withheld from your paycheck to pay for eligible health care (HCFSA) or dependent care (DCFSA) expenses. HCFSA can be used for medical expenses for you, your spouse, and your children. DCFSA can be used for daycare or other similar expenses for children under 13 or adult disabled dependents who need care in order for you to work. Depending on your tax bracket, you may save up to 30% or more in taxes on your flexible spending account elections.

For Healthcare Flexible Spedning Accounts (HCFSA), you have access to your entire election the first business day of the plan year (ICUBA's plan year begins April 1). If you are newly hired or eligible, you will have access to HCFSA funds as soon as your election is confirmed and processed with your employer. For Dependent Care Flexible Spending Accounts (DCFSA), you have access to funds as pay periods occurr during the plan year. Typically, your first DCFSA deposit is withheld from your first paycheck in April and credited to your account on the same day. If you are newly hired or eligible, your first DCFSA deposit will occurr on the first paycheck after your election is confirmed and processed with your employer.

The rules for funding and accessing funds in your HCFSA are legislated by the IRS and mandated to be used for health care expenses defined in Section 213(d) of the IRS code. Qualified medical expenses are defined as: copayments or coinsurance, dental care costs, vision care costs, prescription medications, and over-the-counter treatments

A Dependent Care FSA (DCFSA) is a pre-tax benefit account used to pay for eligible dependent care services, such as preschool, summer day camp, before or after school programs, and child or *adult daycare. Since the funds deducted for DCFSA are pretax (withheld from your paycheck before taxes are deducted), you'll save whatever percentage you would have paid on that money in federal taxes. Keep the following in mind when deciding to enroll in DCFSA: You can only be reimbursed for care that has already been received You can only receive reimbursements up to the amount already deducted from your pay Most service providers are not setup to accept flexible spending debit cards and you will likely need to complete a claim form and provide receipts or proof of payments which must include the following pieces of information: The date of the expense (or service start and end dates) A description of the service The expense (amount requested for reimbursement) The name, address, and social security number (or individual tax identification number) of your childcare provider The dependent’s name and relationship to you Review a summary of eligible expenses from Ameriflex * An adult dependent is defined by the IRS as a dependent who is mentally or physically incapable of caring for themselves, so that the other adult(s) can work. Requirements for these types of expenses are very specific and require medical documentation.

The rules for funding and accessing funds in your HCFSA are legislated by the IRS and mandated to be used for health care expenses defined in Section 213(d) of the IRS code. Qualified medical expenses are defined as: copayments or coinsurance, dental care costs, vision care costs, prescription medications, and over-the-counter treatments

Eligible expense examples are available in the Ameriflex participant portal website at https://myameriflex.crunch.help/participants/eligible-expenses. You can use the below links to find the qualifications for each item. · Click here for the FSA specific list at the FSA Store · Click here for a list of FSA-eligible dental services and procedures

There are a couple of ways you can access your Ameriflex account. The easiest way is to use ICUBA's Secure Single Sign-on in the Benefits Portal. Once you login click on the Ameriflex link in the "My Carrier Accounts" section. You can access your Ameriflex account online at participant.myameriflex.com. From the Ameriflex login page, enter your username and password or if this is your first time visiting the site click on the link labeled "New User Registration". Please note you may need to login using the ICUBA Secure Single Sign-on before you can create your Ameriflex account to access their web portal and mobile app.

US Postal Service delays or recent changes to your mailing address may be holding up the delivery of your new card. To check the status and/or order a replacement card visit myameriflex.com to login or register for access and request a replacement card.

Substantiation is required by the IRS for every transaction made using your ICUBA debit card. Our goal is to remove as many barriers as possible to the substantiation process to make it easier for you to substantiate your card swipes. We are streamlining much of the substantiation process. If a card swipe is for a copay or at an IIAS merchant, it will be approved and it stops there. Moving forward, Ameriflex will only suspend/turn-off cards after it has been determined that you have had every opportunity to substantiate the claim. Will I receive more than one card from Ameriflex? Initially, you will only receive one card from Ameriflex. You may request additional cards for eligible dependents (over age 18) after adding them to your Ameriflex Portal Profile.

Substantiation is required by the IRS for every transaction made using your ICUBA debit card. Our goal is to remove as many barriers as possible to the substantiation process to make it easier for you to substantiate your card swipes. We are streamlining much of the substantiation process. If a card swipe is for a copay or at an IIAS merchant, it will be approved and it stops there. Moving forward, Ameriflex will only suspend/turn-off cards after it has been determined that you have had every opportunity to substantiate the claim. Will I receive more than one card from Ameriflex? Initially, you will only receive one card from Ameriflex. You may request additional cards for eligible dependents (over age 18) after adding them to your Ameriflex Portal Profile.

If you’ve ever needed to choose a health insurance plan, you understand what a complicated process it can be. SHINE (Serving Health Insurance Needs of Elders) counselors help seniors navigate Medicare and make informed decisions about coverage. SHINE offers FREE, personalized, unbiased, and confidential Medicare counseling for Florida’s Medicare beneficiaries, as well as their families and caregivers. SHINE counselors are not affiliated with any insurance companies or agencies, and they do not sell or recommend insurance of any type. SHINE volunteers are available year-round to help you evaluate Medicare plans, including; Offer guidance on important Medicare decisions Help evaluate Medicare coverage Screen for cost savings programs Problem-solve Assist with claims and appeals In Southwest Florida, nearly 9,500 seniors took advantage of SHINE assistance last year. SHINE counselors are also available to make educational presentations and participate in community events. Visit SHINE today, to find a counseling site near you!

Once Ameriflex has received and processed your enrollment form, you will receive retiree payment coupons. Please note: Coupons will be mailed to all retirees, even those who enrolled in EFT.

No. You must be enrolled in coverage to enroll a spouse or other eligible dependent(s).

Yes. Your Dependent spouse must submit a request for Special Enrollment in writing and provide supporting documentation of loss of other coverage to the plan administrator no later than 30 days after the date of a qualifying event (e.g., spouse loss of employer provided coverage).

Under Age 65 If you retire before attaining age 65, you are eligible to participate in the ICUBA BCBS Plan you were enrolled in at the time of your retirement. Age 65 or older If you are age 65 or older you will be offered the ICUBA Retiree Medicare Supplemental Plan.

Benefit elections in retirement are retroactive to your retirement date but are not seamless. Once you receive the retiree enrollment packet from ICUBA's administrator and make payment your coverage will be active. If you enroll in an ICUBA Plan your medical and prescription drug coverage benefits will be effective on the first day of your retirement, subject to enrollment and processing time. If you enroll in the ICUBA Medicare Supplemental Plan your medical and prescription drug coverage will start on the first day of the month in which you retire if your election is received within 30 days of your retirement date. If your enrollment is received after the 30th day of your retirement your prescription drug coverage will start on the 1st day of the following month.

Yes. Under the ICUBA Retiree plan, prescriptions continue to be covered through OptumRx. The ICUBA Prescription Drug Benefit is Creditable Coverage, which means that you will receive credit towards Medicare Part D upon your retirement if you choose to enroll in Medicare Part D. Creditable coverage means the amount the plan expects to pay on average for prescription drugs for individuals covered under the plan in the applicable year is the same or more than what standard Medicare prescription drug coverage would be expected to pay on average. The ICUBA Retiree Medicare Supplemental Plan includes an enhanced Medicare Part D prescription drug plan. There is no additional cost for prescription coverage.

If you are age 65 or older you can enroll in the ICUBA Retiree Medicare Supplemental Plan. If your spouse is under 65, they will be offered the ICUBA BCBS Retiree Plan if they were enrolled in coverage during the 3-month period immediately prior to your date of retirement and you were actively at work on the day prior to your retirement.

You are 65 or older: If your spouse is age 65 or older, they can enroll in the ICUBA Retiree Medicare Supplemental Plan. Your spouse is under 65: If you are under 65 you will be offered the ICUBA Retiree BCBS Plan if you were enrolled in coverage during the 3-month period immediately prior to your date of retirement and you were actively at work on the day prior to your retirement.

You and/or your spouse will be offered a choice to remain on the ICUBA BCBS Retiree Plan or switch to the ICUBA Retiree Medicare Supplemental Plan. If you or your spouse have previously enrolled in the ICUBA Retiree Medicare Supplemental Plan, then you or your spouse must enroll in the ICUBA Retiree Medicare Supplemental Plan upon attaining age 65.

ICUBA – AmWins Retiree Medicare Supplemental Plan is a Medigap (also called “Medicare Supplement Insurance”) policy and is private health insurance that is designed to supplement Original Medicare. This means it helps pay some of the health care costs (“gaps”) that Original Medicare doesn’t cover (like copayments, coinsurance, and deductibles). Medigap policies may also cover certain things that Medicare doesn’t cover. If you are in Original Medicare and you have a Medigap policy, Medicare will pay its share of the Medicare-approved amounts for covered health care costs. Then your Medigap policy pays its share. It is a Medicare Supplement plan that pays the balance of approved Medicare expenses not covered by Medicare once you meet your calendar year deductible.

If you are 65 or older and enrolled in the ICUBA Medicare Supplement Plan from Amwins, the plan pays as a supplement to Medicare. Please note: The plans require that all retired covered persons eligible for Medicare enroll in Medicare Parts A and B and pay any associated premiums.

Example: After, you have met your Medicare Part B $300 deductible. If the total cost for a covered service is $100, Medicare will pay 80%, or $80. The remaining balance of $20 is paid in full by Transamerica. Your cost for the service is $0. After Medicare has paid their portion of the claim, Medicare will automatically send the remaining portion of the claim to be paid to Transamerica Life.

Example: If the total cost for a covered service is $100, Medicare will pay 80%, or $80. The ICUBA Retiree Plan will process the remainder of the claim ($20) based on the plan you are enrolled in. Under the Blue Option Preferred PPO Plan the appropriate benefit would be applied on the remaining portion of the covered service ($20). The plan’s coinsurance must be met so 80% of the $20 would be covered. Your cost will be $4.00. Under the HDHP Plan the appropriate benefit would be applied on the remaining portion of the covered service. The plan’s copay must be met so Your cost will depend on the type of provider, or the service rendered.

Benefit elections in retirement are retroactive to your retirement date, but are not seamless. Once you receive the retiree enrollment packet from ICUBA's administrator and make payment your coverage will be active. The packet will contain instructions for registering with Ameriflex and will arrive via US mail after eligibility is verified with your member school. For more information visit our Retiree Information web page.