Medical mutual services mms flexsave flexible spending program
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Medical Mutual Services(MMS)/FlexSave Flexible Spending Program. Medical Mutual Services/ FlexSave. Wholly owned by Medical Mutual of Ohio Medical Mutual Services—TPA background FlexSave has been administering Flexible Spending Programs for over two decades

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Medical Mutual Services(MMS)/FlexSave Flexible Spending Program

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Medical mutual services mms flexsave flexible spending program

Medical Mutual Services(MMS)/FlexSave Flexible Spending Program


Medical mutual services flexsave

Medical Mutual Services/ FlexSave

  • Wholly owned by Medical Mutual of Ohio

  • Medical Mutual Services—TPA background

  • FlexSave has been administering Flexible Spending Programs for over two decades

  • Backed by full financial and operational resources of Medical Mutual

Slide 2


Overview highlights of flex program

OverviewHighlights of Flex Program

  • Dedicated Customer Service Staff

  • Employer and Employee Education System (“Take Care” plan)

  • Processing Commitments

    • Claims paid daily

    • Integrated debit card

    • Dedicated 800# & email address for enhanced support

    • IVR for account information available 24 / 7

  • Efficient Operations

  • Debit Card/Automatic Rollover

  • Effective Communication

  • Comprehensive Employer Website

  • Comprehensive Employee Website

Slide 3


Dedicated customer service

Dedicated Customer Service

  • All service and processing in Strongsville location

  • Checks are sent from MMO downtown Cleveland

  • 6 Customer Service Representatives to handle participant inquiries

  • Call volume monitored weekly

Slide 4


Product offerings account options

Product Offerings/Account Options

  • Flexible Spending Account (FSA)

  • Health Reimbursement Arrangement (HRA)

  • Dependent Care

  • Adoption

  • Transportation

  • Parking

Slide 5


Account claims funding options

Account/Claims Funding Options

  • Rapid Claims Service

    • Daily Disbursements

    • Contributions pulled electronically on payday

    • Placed into a claims funding account at MMO

    • Reimbursement sent out within 48 hours by check or direct deposit

  • Weekly Accounting Service (Not offered if Debit Card is chosen)

    • Client maintains account and contributions

    • Reimbursements made from that account weekly

    • Reconciliation of account

Slide 6


Disbursement options

Disbursement Options

  • Debit Card

  • Direct Deposit

  • Check

Slide 7


Employer web site eflexonline com

Employer Web SiteEflexonline.com

  • Benefits, claim linkage, co-pays, and compliance

  • Enrollment

  • Eligibility

  • Reports

  • Forms

    www.eFlexOnline.com

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Medical mutual services mms flexsave flexible spending program

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Medical mutual services mms flexsave flexible spending program

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Medical mutual services mms flexsave flexible spending program

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Medical mutual services mms flexsave flexible spending program

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Medical mutual services mms flexsave flexible spending program

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Medical mutual services mms flexsave flexible spending program

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Medical mutual services mms flexsave flexible spending program

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Employee web site myflexonline com

Employee Web SiteMyflexonline.com

  • View Account

  • Activate Card

  • Validate Card Swipes

  • Order additional cards

  • Repay Non-Qualified

    Expenses

  • Internet Claims Entry

    www.MyFlexOnline.com

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Medical mutual services mms flexsave flexible spending program

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Medical mutual services mms flexsave flexible spending program

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Medical mutual services mms flexsave flexible spending program

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Medical mutual services mms flexsave flexible spending program

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Medical mutual services mms flexsave flexible spending program

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Medical mutual services mms flexsave flexible spending program

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Medical mutual services mms flexsave flexible spending program

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Medical mutual services mms flexsave flexible spending program

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Medical mutual services mms flexsave flexible spending program

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Flexible spending debit card

Flexible Spending Debit Card

  • How to order

  • Where can it be used

  • Debit Card Substantiation

  • MyFlexOnline Card Management

  • Effective Communication

Slide 26


How to order debit card

How to Order Debit Card

  • Upon Enrollment—Employer Choice

    • FlexSave can order cards for all

    • Can allow employees to make decision

    • Employer Can order Cards

  • MyFlexOnline—Employee has ability to order initial card or additional card(s)

  • EflexOnline—Employer Can Order Card

Slide 27


Easy access to balances

Easy Access to Balances

  • Debit Card can be in your hands prior to plan year start

  • Debit Card is activated on first use

  • Debit Card will keep balances for HCA, DCA, and P/T

  • Debit Card will access funds from both plan years during the 2.5 month extension

Slide 28


New irs rules and iias where can card be used

New IRS Rules and IIAS Where Can Card Be Used?

  • Any Flex Eligible Location deemed by the IRS

  • Historically by Merchant Category Code (MCC)

  • IRS Rules and Information Inventory Approval System (IIAS):

    • Identifies product sku level at POS to determine eligibility

    • 1/1/08 all grocery and discount retailers must have IIAS in place to accept cards

    • 1/1/09 all pharmacy/drug retailers must have IIAS in place to accept cards (many are already there)

Slide 29


Minimizing debit card substantiation when is it required

Minimizing Debit Card SubstantiationWhen is it required?

  • Auto-substantiation (No Receipt Required):

    • Matches a co-pay or multiple of co-pays

    • Is a recurring transaction that has already been substantiated

    • Occurs at an IIAS location—“NO RECEIPT RETAILERS” (listing on myflexonline)

  • Our strategy is to be as liberal as the law allows and react and communicate quickly and effectively

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Suggestions to reduce substantiation requests

Suggestions To Reduce Substantiation Requests

  • Make sure we have co-pays provided for every benefit type through any carrier

  • MyFlexOnline communicates the substantiation needs effectively

  • Active member of ECFC—promote product with treasury and IRS. Focus on substantiation and IIAS; 2.5 month ext previously

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Debit card substantiation how is it communicated

Debit Card SubstantiationHow is it Communicated?

  • Email

  • Hard Copy Letters sent to Participants at the beginning of each month

  • MyFlexOnline.com lists amount due and allows you to not only see the debit card swipes that require substantiation, but also walks the participant through the process of repayment.

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Myflexonline participant card management

MyFlexOnline Participant Card Management

  • Debit Card Tab

    • Order Initial Card(s)

    • Order Additional Card(s)

    • Review Payments

    • View Amount Owed

    • Dispute Card Swipe

    • View “NO RECEIPT RETAILERS”--listing of retailers already active and the projected dates for many other retailers

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Medical mutual services mms flexsave flexible spending program

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Medical mutual services mms flexsave flexible spending program

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Medical mutual services mms flexsave flexible spending program

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Medical mutual services mms flexsave flexible spending program

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Education system take care

Education System“Take Care”

  • Everything about Flex is participation

  • More Participants = More savings for the employer and more employees realizing savings from using a benefit

  • FlexSave has an education system called “Take Care” that educates the employees in how they can save

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Educational website mytakecareplan com

Educational Website Mytakecareplan.com

  • Educational Video Link

  • How you save

    • Which expenses qualify

  • How it works

    • Take home pay comparison with and without the plan

  • Why you can’t lose

    • Dispelling Myths

    • More FAQs

  • Worksheet

    • Interactive Calculator

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Medical mutual services mms flexsave flexible spending program

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Employer employee education system

Employer & Employee Education System

Once an employer selects the Take Care plan, employee communication tools are provided

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Employee communication

Employee Communication

Employees are presented with a five-minute video CD explaining the Take Care plan

This presentation is also accessible on the Mytakecareplan.com educational website

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Employee communication1

Employee Communication

Posters feature a variety of savings and direct employees to the Web site

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Employee communication2

Employee Communication

Payroll stuffers target a variety of benefits and direct employees to the Web site

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Employee communication3

Employee Communication

At open enrollment, employees are given a brochure outlining Take Care

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Medical mutual services mms flexsave flexible spending program

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Medical mutual services mms flexsave flexible spending program

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Medical mutual services mms flexsave flexible spending program

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Medical mutual services mms flexsave flexible spending program

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Medical mutual services mms flexsave flexible spending program

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Employee enrollment

Employee Enrollment

The last page of the brochure is the enrollment form.

Slide 51


Employee welcome kit

Employee Welcome Kit

Employees are sent a kit based on the benefits offered

Welcome Kit includes:

  • Welcome Letter

  • Direct Deposit Form

  • Claim Form

  • No Receipt Retailers Listing (if debit card is offered)

  • Automatic EOB Rollover Waiver Form (if auto rollover is offered)

Slide 52


Employer customer service

Employer Customer Service

  • Dedicated Toll Free Line 800-525-9252

  • Dedicated email: [email protected]

  • Direct Phone/Email

    • Account Manager, FlexSave Manager

  • Service standard commitments to include:

    • Processing claims

    • Abandonment rates with calls

    • Resolving issues

    • And more

  • Employer Website - EflexOnline

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Employee participant customer service

Employee/Participant Customer Service

  • Dedicated Toll Free Customer Service Number 800-525-9252

  • IVR available 24 hours 7 days a week

    • Annual election total

    • Contribution/Disbursement/Pending Claim Totals

    • Last claim processed amount

    • Last claim date

    • Last disbursement amount

  • Customer Service Representatives

    • 8:00-5:00 EST

  • Employee Website - MyFlexOnline

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How do my employees file a claim

How Do My Employees File a Claim?

  • Claim Forms are mailed to each participant and can be found on EFlexOnline and MyFlexOnline

  • Complete Claim Form

  • Attach receipts

  • Fax in the claim form

  • Mail in the claim form

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How do i know if my claim was processed

How do I know if my claim was processed?

  • The claim will be visible on MyFlexOnline the morning after processing (3 days)

  • If any claim is rejected or requires additional information, a letter will be mailed to the participant indicating such

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What communication do my employees receive throughout the year

What Communication Do My Employees Receive Throughout the Year?

  • Welcome Kit

  • When a claim is filed and a check is sent or direct deposit is processed, account balance information will be on the check stub

  • Debit card receipt requests are sent via postal mail and email (when possible)

  • 60 Days prior to the end of the plan year a notice is sent to the employee identifying dollars remaining in their account

  • Employee Statements are available 24/7 on myflexonline or by calling Customer Service

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Pricing ag 7

Pricing(Ag 7)

  • $750 Setup Fee

  • $50 Monthly Compliance Fee

  • $5.00 Per Participant Per Month Admin Fee

    • Based in initial enrollment

    • Monthly fees deducted from Employer account on a monthly basis

    • No additional charge for Debit Cards; May order multiple cards

    • Includes multiple accounts

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Why flexsave

Why FlexSave?

Because we have…

  • Relationship with MMO

  • Superior Customer Service

  • Experienced Staff

  • Effective Communications

  • Proven Education System

  • State of the Art Administrative System

  • All features and benefits that exist in the industry and more

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