Smart, simple savings

TexFlex Account Overview

Note: There is a $12 administrative fee for each account. This

amount will be taken out of your TexFlex account at the beginning
of the plan year.

TexFlex contribution limits

TexFlex Account

A TexFlex account is a Flexible Spending Account (FSA) that

lets you set aside money from your paycheck, pre-tax, to use for
eligible out-of-pocket expenses. You can contribute to a health
care and day care account.

Health Care Account This account reimburses you for

eligible health care expenses. These include medical, dental,
vision, hearing, and prescription drug expenses. You can use
the funds to pay for copays, coinsurance and over-the-counter
(OTC) items. Though many OTC items are eligible, youll need
a written prescription for OTC drugs and medicines.
Day Care Account This account reimburses you for eligible
child (under age 13) and adult care expenses. These are
expenses that you have to pay for so you can work. This
account helps you pay for costs such as day care, before and
after school care, nursery school, preschool and summer day
camp.

The benefits of having a TexFlex account

A TexFlex account helps reduce your taxes and increase your
take home pay! You do not pay federal taxes on the money you
contribute.

Getting started is easy!

First, decide if you want to enroll in a health care account, day

care account or both. Review your expenses from last plan
year and this year. Estimate how much youll spend for eligible
expenses during the next plan year. This helps you decide how
much to set aside in a TexFlex health care or day care account.
Your employer deducts your pre-tax contributions from your
paycheck (in equal amounts during the year) and deposits them
into your TexFlex account.

The annual health care pre-tax contribution limit is $2,500. If

you contributed more than $2,500 to a health care account last
year, your contribution for this year will be lowered to $2,500
automatically. If you would like to make any changes to your
contribution, you can do this during Annual Enrollment.
The annual day care pre-tax contribution limit is generally
$5,000 per household/family, or the employee or spouses
earned income, if lower. If you and your spouse each have a day
care account, you are limited to $5,000 between the two of
you.

How to use your TexFlex funds

If you pay for eligible expenses with cash, check or a personal

credit card, you can submit a claim online for reimbursement.
Or you can fill out a paper claim form and fax or mail it to
PayFlex.
If you elect the TexFlex debit card, you can use it to pay for
your eligible expenses. When you use the card, the funds
automatically come out of your TexFlex account. Note: There
is a one-time $15 fee to use the card. This amount will be
taken out of your TexFlex account at the beginning of the
plan year. If you enroll in both the health care and day care
accounts, you only have to pay the card fee once. You will
have one card for both accounts.

Note: Save all of your receipts. If you have an Explanation of

Benefits (EOB) from your insurance plan, make sure you save that
too. When you submit a claim, youll need to submit the EOB or
receipt. If you have the TexFlex debit card, you may also need to
provide the EOB or receipt for a card purchase.

What you need to know about TexFlex

You can elect to participate in a TexFlex account during annual

enrollment or when you first become eligible.
The TexFlex accounts have a use it or lose it rule. This means
that you forfeit any unused funds at the end of the plan year.
Be sure to estimate your contribution carefully.
Your plan has a grace period. This means you have
another 2 months and 15 days to use your funds. Your
grace period ends on November 15, 2014.
You must submit your claims by the end of your run
out period. Your run out period ends on December 31,
2014. This gives you another 122 days after the end
of your plan year to submit claims for reimbursement.
(Your employer sets the run out period.)
Once you make your plan year election, you cannot change it
unless you have a qualifying life event (QLE).* This generally
includes a change in one or more of the following:
Legal marital status (marriage, divorce, legal separation,
annulment or death of a spouse)
Number of tax dependents (birth, adoption or death)
Employment status that affects eligibility
Dependent satisfying or ceasing to satisfy coverage
requirements (reaching limiting age, gain or loss of
student status, marriage)
Specific to a day care account, an election change is allowed
for the following:
Change in your provider
Change in the cost for a provider (unless this provider is
a relative)
Your dependent turns 13 during the plan year

* You must apply for a change in your election through ERS. You
must submit your request within 31 days of the event. You
may be asked to show proof of the QLE or proof of dependent
eligibility. If you have questions about a benefit change, contact
your benefits coordinator or ERS.

Stay connected to your TexFlex account

General health care expense information

General day care expense information

When you have a health care or day care account, you can sign up
for alerts on your account. These help you stay up to date on your
account activity.

Questions?

Contact customer service toll-free at (866) 353-9839.

Representatives are available Monday Friday from
7am - 7pm (CT) and Saturday from 9am - 2pm (CT).

69.03.362.1 (06/13)

You can only receive reimbursement for eligible health care

expenses that you, your spouse and eligible dependents incur
from September 1, 2013 through November 15, 2014.
You cannot receive more than one reimbursement for an
eligible expense.
You cannot also receive reimbursement from insurance or any
other source.
You cannot claim the same expenses that you deduct on your
annual income tax return.
You can only receive reimbursement for services already
received.
You can receive up to the full amount of your annual
contribution beginning on September 1, 2013, if needed for
eligible expenses incurred on or after September 1, 2013.

Day care expenses must be for a qualifying person. This

includes a dependent who is younger than age 13, or a spouse
or dependent who is incapable of self-care. This person must
live with you for more than six months.
To get reimbursements from a day care account, you must
be working. If you are married, your spouse must either
be working, looking for work, be a full-time student or be
incapable of self-care.
You must incur the expense from an eligible day care provider.
The expenses must be from the current plan year.
You can only receive reimbursement for services already
received.
You can be reimbursed up to the amount available in your
account.