| Q. |
What types of expenses are eligible? |
 |
| A. |
Health Flexible Spending Account (HFSA)
Combined Services LLC has complied a general list of common eligible medical expenses that typically qualify for reimbursement. Some expenses require further documentation
from a physician in order to qualify. If you have questions on an expense, you can contact our Flexible
Benefits Department, Monday through Friday from 8:00am-4:30pm (extended hours Tuesday & Thursday until 5:30pm).
Dependent Care Flexible Spending Account (DCFSA)
During the year, employees can set aside pre-tax dollars through payroll deductions to pay for dependent care expenses. To be eligible for a dependent care FSA,
the dependent must be under age 13 or a handicapped/elderly adult who is unable to care for himself/herself. The care must be provided to enable an employee (and
the spouse, if married) to work. PUBLIC & PRIVATE KINDERGARTEN ARE NOT ELIGIBLE FOR REIMBURSEMENT ACCORDING TO IRS GUIDELINES. Per IRS regulations, claims can only
be paid out to the amount contributed to date with the Dependent Care Flexible Spending Account. |
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| Q. |
What over-the-counter medications qualify for HFSA? |
|
| A. |
Combined Services LLC has complied a list of some of the more common over-the-counter medications that typically qualify
for HFSA reimbursement. If you have questions on an item, you can contact our Flexible Benefits Department, Monday
through Friday from 8:00am-4:30pm (extended hours Tuesday & Thursday until 5:30pm). |
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| Q. |
How can I see how much money is in my account? |
|
| A. |
You can check the status of your account at any time by visiting our website. Every participant will receive a
welcome letter shortly after they are enrolled. This letter will provide your Personal Identification Number (PIN) and instructions on how to check the status of your
account. If you need help with logging onto the website you can contact our Flexible Benefits Department, Monday through Friday from 8:00am-4:30pm (extended hours Tuesday & Thursday until 5:30pm). |
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| Q. |
How do I request reimbursement? |
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| A. |
In order to request reimbursement for a Health or Dependent Care FSA, you will need to complete a Reimbursement
Request Form. You can download this form from the Flexible Benefits Participants home page. There are a few requirements when submitting for a Reimbursement Request:
| Documentation to be included with reimbursement request: |
| • |
Include third-party verification with your request (a detailed invoice/statement from the provider or an Explanation of Benefits from your insurance company). |
| • |
The documentation must have the date of service (not the date you paid the bill); name and credentials of the provider; amount
charged for the service; description of the service provided; and, name of the individual who received the service. |
| • |
Cancelled checks are not sufficient documentation. |
| • |
Your signature certifying that the expenses listed on the Reimbursement Request Form are not eligible for reimbursement from any other source;
that you understand that the expenses must qualify for reimbursement under the Internal Revenue Code; and that you understand that reimbursement
expenses cannot also be claimed as credits or deductions on your personal tax return. |
If you have any questions, you can contact a representative from our Flexible Benefits Department, Monday through Friday from 8:00am-4:30pm (extended hours Tuesday & Thursday until 5:30pm) who would
be happy to assist you.
Expenses for either Health or Dependent Care Flexible Spending Accounts must be incurred during your group's plan year. However, there is a run-off period
(after the plan year-end) to submit your claims for reimbursement. Check your summary plan description to find out how many days your employer allows.
We will try to help you use the Flexible Spending Accounts only for eligible expenses. However, your employer and the claims administrator bear no responsibility
for your taxes. You remain fully accountable to the IRS to prove the eligibility of any expense you submit. Therefore, you should keep copies of all
documentation for your tax records. |
|
| Q. |
Why was my reimbursement request returned? |
|
| A. |
There are a few common reasons that reimbursement requests are returned to participants.
If your claim has been returned, you should contact Combined Services LLC at 1 888 227-9745 ext. 2040 if you have questions.
| • |
Did you remember to sign the request form? |
| • |
Did you attach proper documentation for each of your claims? (Supporting documentation should include the date of
service, credentials of the provider, amount charged for the service, description of the service provided, and the name of the individual who received the service). |
| • |
Did the service(s) on the claim meet IRS guidelines as reimbursable Health or Dependent Care expense(s)? |
| • |
Did the service require a physician's documentation to meet IRS guidelines? |
| • |
Was the date of service within the plan year? |
| • |
Did you have enough money set aside in your account to be reimbursed for the amount(s) listed on the Reimbursement Request Form? |
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|
| Q. |
How often are claims paid? |
|
| A. |
Claims are paid weekly out of Combined Services LLC directly to you, the participant. All of your documentation must be completed and received at Combined Services LLC by Friday to receive payment the next week. There is typically a minimum check reimbursement amount of $40.00. However, at the end of the plan year, it is reduced to $1.00. |
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| Q. |
How is Orthodontia Reimbursement Different? |
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| A. |
Orthodontia is reimbursed according to your contract with your orthodontist (i.e. if your contract indicates monthly installments of $150 per month, you can only be reimbursed for each month’s installment as it comes due). A copy of the contract is required with your first claim. |
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