Did You Know?

Employees are now contributing 45%

more to their health care expenses than they did five years

ago. Towers Watson/NBGH Employer Survey, April, 2011

That’s right.

And if you have a family, you know your

out-of-pocket expenses have gone

up too.

Just take a look…

A family of four can

expect to pay over $3,000

a year in medical

expenses not covered by insurance!

That Includes:

Out-of-Pocket Expenses

Annual Average

Taxes Saved (25% Tax Bracket)

Physician: $940 $254

Pharmacy:

$660 $178

Inpatient Hospital:

$870 $235

Other: $105 $28

Outpatient Hospital:

$430 $116

TOTAL: $3,005 $811

But, if that $3,000 is put into a Health

Care FSA, a family could save over

in taxes.Out-of-pocket expenses through member cost sharing at time of service. Per Milliman Medical Index 2010, published May 2010

$800

That’s because there is a tax-saving

benefit

that can save you an easy 20-30

percent on your hard-earned money,

And, 100% of employees are

eligible to enroll –

A Flexible Spending Account

(FSA).

FSAs let you use pre-tax money

to pay for medical expenses not

covered by your health plan.

So, whether you need to pay for

Prescription Copays

Glasses

Contacts

Dental Expenses

Braces

Allergists

EligibleOver-the-Counter

(OTC) items

In-vitro Reproductive

Services

Speech Therapy

FSAs are a guaranteed discount

on money you’re already spending on

health care.

And, FSA dollars can also be used for

Licensed family or child daycare

centers

And, Day Camps

Life Happens.

Be prepared

To Save

On Your Out-of-Pocket Health Care

Expenses.

Maximize Your Employee Benefits

You

Will

Save

BIG!

Sign Up for an FSA Today and Start

SAVING Right Away!Start right away

Look for details during open

enrollment, or talk to Human Resources

for more information.