2. Did You Know?

3. Employees are now contributing 45% more to their health care expenses than they did five years ago.
Towers Watson/NBGH Employer Survey, April, 2011

4. That’s right.

5. And if you have a family, you know your out-of-pocket expenses have gone up too.

6. Just take a look…

7. A family of four can expect to pay over $3,000 a year in medical expenses not covered by insurance!

8. That Includes:

9. Out-of-Pocket Expenses
Annual Average
Taxes Saved (25% Tax Bracket)
Physician:
$940
$254
Pharmacy:
$660
$178
Inpatient Hospital:
$870
$235
Outpatient Hospital:
$430
$116
Other:
$105
$28
TOTAL:
$3,005
$811

10. But, if that $3,000 is put into a Health Care FSA, a family could save over in taxes.
$800
Out-of-pocket expenses through member cost sharing at time of service. Per Milliman Medical Index 2010, published May 2010

11. That’s because there is a tax-saving benefit

12. that can save you an easy 20-30 percent on your hard-earned money,

13. And, 100% of employees are eligible to enroll –

14. A Flexible Spending Account
(FSA).

15. FSAs let you use pre-tax money

16. to pay for medical expenses not covered by your health plan.

17. So, whether you need to pay for

19. Prescription Copays

21. Glasses

22. Contacts

23. Dental Expenses

25. Braces

26. Allergists

27. Eligible Over-the-Counter (OTC) items

28. In-vitro Reproductive Services

29. Speech Therapy

30. FSAs are a guaranteed discount

31. on money you’re already spending on health care.

32. And, FSA dollars can also be used for

34. Licensed family or child daycare centers

36. And, Day Camps

37. Life Happens.

38. Be prepared

39. To Save

40. On Your Out-of-Pocket Health Care Expenses.

41. Maximize Your Employee Benefits

42. You

44. Will

46. Save

48. BIG!

49. Sign Up for an FSA Today and Start SAVING Right Away!
Start right away

50. Look for details during open enrollment, or talk to Human Resources for more information.