2015 CONEXIS Quarterly Newsletter Header
Q3 2015 Date of Publication: July 15, 2015
EXPECTING A SPECIAL DELIVERY?
Having a baby is an exciting time! But it can also be quite expensive. Fortunately, expecting parents can save money with a flexible spending account (FSA).
If having a baby doesn't apply to you right now, please share this information with coworkers or others who are expecting. You'll help them realize the savings available through an FSA.
Save on Health Care Expenses
You might be surprised to learn what are considered qualifying health care expenses, such as:
•  OB/GYN and pediatrician co-pays
•  Health plan deductibles and co-insurance
•  Mileage to and from the doctor's office and hospital
•  Over-the-counter pregnancy test kits
•  Ovulation or fertility monitors
•  Lamaze classes (expenses related to child birth not child rearing)
But don't stop there. Remember to plan for eligible over-the-counter (OTC) health care expenses for after the baby arrives, too. Use health FSA funds toward items like breast pumps and supplies, thermometers, and bandages. View more on our eligible Over-the-counter Expenses page.
Save on Child Care Expenses
Are you planning to work after your baby is born? If so, you can save when you use a dependent care FSA to cover child care or baby sitting expenses so you (and your spouse, if married) can work or look for work.
Mid-year FSA Changes
IRS rules consider giving birth or child adoption a qualifying change in status event. If allowed by your FSA plan and the change is consistent with the type of event (such as a birth of a child increasing an election amount), you can change your FSA election or enroll in an FSA without waiting until the next annual enrollment period. Please see your Summary Plan Description (SPD) for specific details.
2015 CONEXIS Quarterly Wellness Feature Header
SUMMERTIME SAFETY TIPS
This time of year typically involves a lot of fun-in-the-sun activities. But there are safety concerns that go hand in hand with increased sun exposure. Heat stroke, sunburn, insect bites, and even food poisoning – just to name a few.
Take precautions by following some simple prevention tips:
•  Schedule outdoor activities for morning and evening hours when it's cooler.
•  Drink plenty of water or non-alcoholic beverages, even if you don't feel thirsty.
•  Wear lightweight, loose-fitting clothing that is light in color.
•  Wear sunglasses that block both UVA and UVB rays and a wide-brimmed hat.
•  Put on broad spectrum sunscreen with sun protection factor (SPF) 15 or greater.
•  Put on insect repellent.
•  Wash your hands often.
•  Wash fruits and vegetables well with water.
•  Cook meats thoroughly.
•  Refrigerate leftovers promptly.
Save money while taking some of these precautions. OTC items, such as first aid kits and bandages, are eligible expenses without a prescription. Sunscreen with an SPF of 15 or higher is also an eligible expense.
With a doctor's prescription, you can use health FSA funds to buy first aid creams and anti-itch ointments as well as other OTC medicines and drugs. Learn more …
Source: Centers for Disease Control and Prevention (CDC)
BENEFIT CARD CORNER
I swiped my benefit card at my doctor's office, but a few days later, I was asked to send supporting documentation. Why?
Most card purchases are automatically approved with no need for further action. However, sometimes you will need to submit additional documentation to verify an eligible expense. That's why it's important to keep copies of all itemized receipts and statements (not the credit card receipt) for each card purchase.
A co-pay at the doctor's office must match a specific co-pay under your employer's plan. It's not sufficient if the card transaction amount matches a co-pay amount under any other health plan option provided by your employer or provided by your spouse's employer.
Plus, the co-pay amount must equal a multiple of the specific co-pay that applies to you. You'll receive a request for supporting documentation when a card purchase is more than five times the applicable co-pay amount or it is not a multiple of the co-pay or combination of co-pays for a benefit. See examples on our Card User Guidelines page.
 
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