Delta Health Systems

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Delta Health Systems

• Diocese of Monterey
• Enrollment Meeting

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Flexible Spending Account

• Already in your current benefits package
• Saves employees money
• Helps you fight rising healthcare costs
• Saves the company money
• Pre-tax dollars

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Flexible Spending Account

• Health Care Expense Reimbursement to allocate
  funds for
• Deductibles
• Coinsurance
• Other health related expenses
• Dependent Care Assistance

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Flexible Spending Account

• Election period is annually unless you experience
  a qualified change
• Spouse losing or gaining employment
• Acquiring or losing a dependent
• Change in marital status
• Must re-enroll annually by completing necessary
  forms

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Flexible Spending Account

• Election Maximums
• Health Care 2,500
• Dependent Care 5,000
• Married individual filing separate tax return
• Health Care 2,500

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Flexible Spending Account

• Section 125 Flexible Benefit Cafeteria Savings
  Analysis

Without With
Salary (Per Month) 2,000 2,000
Pretax Insurance Premium other benefits --- 335
Taxable Income 2,000 1,665
Federal/State Withholding (13.5) 270 225
FICA/Med (7.65) 153 127
State Disability Insurance (.9) 18 15
After-tax group health premiums, childcare costs and out-of-pocket medical expenses 335 ---
Net Income 1,224 1,298
Employee Savings Per Month --- 74
Annual Employee Savings --- 888
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Flexible Spending Account

• Examples of expenses which may be reimbursable

• Acupuncture
• Alcoholism treatment
• Artificial limbs
• Braces
• Chemical dependency treatment
• Chiropractors
• Crutches
• Dental fees
• Diagnostic fees
• Doctors fees
• Eyeglasses, contacts
• Guide dog
• Hair transplants
• Hearing devices

• Home improvements for medical considerations
• Hospital bills
• Laboratory fees
• Nursing home care
• Obstetrical expenses
• Smoking cessation programs
• Transportation expenses for medical services
• Wheelchair
• X-rays

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Flexible Spending Account

• Examples of expenses which may be reimbursable
  Over-the-Counter

• Allergy prevention and treatment drugs
• Carpal tunnel wrist supports
• Cold remedies
• Cold sore/fever blister creams
• Cough drops and syrups
• Diabetic supplies
• Eye products (visine, contact solutions)
• Hemorrhoid creams and suppositories
• Menstrual cycle products for pain and cramp
  relief
• Motion sickness
• Pregnancy tests
• Sleeping aids

• Aloe lotion
• Acne treatments/creams
• Dental fluoride products
• Fiber supplements
• Herbal medicines/dietary supplements to treat
  specific medical conditions
• Orthopedic shoes and inserts
• Nasal sprays
• Prenatal vitamins
• Medicated shampoos (dry scalp)
• Sunscreen
• Vitamin E lotion
• Weight-loss drugs to treat a specific disease

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Dental Benefits

• Annual Maximum increased to 1750
• Preventive Basic Services 80 benefit
• Routine oral exam every 6 months
• Flouride application (children under 14)
• X-rays
• Sealants
• Space maintainers

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Dental Benefits Continued

• Major Services 50 Benefit
• Replacement of crown
• Replacement of gold restoration
• Implants
• Dentures or bridge
• This is a summary of your dental benefit. For
  detailed benefits, see your Summary Plan
  Description

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Vision Benefits

• Vision exam 100 every 12 months
• Frames/lenses 200 every 24 months
• This is a summary of your vision benefit. For
  detailed benefits, see your Summary Plan
  Description

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How to reach us

• Send claims to PO Box 80 Stockton, CA 95201-3080
• Phone [phone]
• www.dhsdirect.com