Flexible Spending Accounts

The Open Enrollment period begins November 15 and ends December 1. All employees must re-enroll in the program every year.

To enroll visit https://enrollments.flex125.com/flex

Group Ameriflex ID is AMFSCOFPH

Click here for the Open Enrollment Tutorial

Carefully make your selections as you will be unable to make corrections through the website. Please email benefits@philasd.org for any corrections or questions.

Flexible Spending Accounts are offered to non represented employees and those represented by CASA, SPAP, District 1201/32BJ, Local 634/Unite Here.  Employees represented by the Philadelphia Federation of Teachers (PFT) union are not eligible to participate at this time.  This is your only time to make Medical or Dependent care account elections.

Employees can elect or change Commuter or Parking FSA accounts anytime by contacting benefits@philasd.orgPayroll deductions are taken from all paychecks throughout the calendar year for 2020.

General Information

Flexible Spending Accounts (FSAs) allow you to set aside money on a pre-federal tax basis through payroll deductions to pay for eligible health care, dependent care, and / or commuter/parking expenses. This provides an immediate tax break to cover out-of-pocket health and dependent care expenses. When employees purchase benefits on a pre-tax basis, their compensation is reduced for purposes of calculating wages subject to federal and F.I.C.A. taxes and, in most states, state income tax.   For residents of Pennsylvania, your taxable income is reduced for Health Care FSA elections, but not Dependent Care FSA elections.

Employees can log onto the MyAmeriflex Portal or download the free MyAmeriflex Mobile App to view their balances.  When establishing your account you will use your social security number (with no dashes) as your “Employee ID”. Employees represented by the Philadelphia Federations of Teachers (PFT) are not eligible to participate at this time.

For information on registering your Ameriflex card, visit our FSA FAQs page.

The “Use It Or Lose It” Rule:

If you do not use all the money you contributed to your FSA (Medical or Dependent Care) account, any remaining balance in the account at the end of the eligible claims period is forfeited. This is an IRS rule that applies to tax-advantaged plans; it applies to the medical and dependent care FSA only. The plan year runs from January 1 through December 31. You have a two and a half month carryover period to use any balances.

In summary, you have until March 15 of the next year to use any remaining balance from the previous year. You have 90 days from your separation from the District when you can submit claims incurred during the year through your separation date. For example, if you retire from the District on June 30, you have 90 days to submit a request for reimbursement for any services performed from January 1 to June 30. Below are the tax-advantaged FSA accounts we offer:

  • Medical Flexible Spending Account (FSA)
  • Dependent Care Account (DCA)
  • Commuter and Parking Reimbursement Accounts (CRA)

Medical Flexible Spending Account (FSA)

Also known as Health FSA, you can use your pre-tax contributions to pay for eligible health care costs such as:

  • Medical and dental out-of-pocket expenses
  • Eye exams, contact lenses/solutions and glasses
  • Prescription drugs
  • Orthodontia and dental care
  • Medical devices such as hearing aids and diabetic testing supplies
  • Deductibles, co-pays and co-insurance

If you pay for a visit with a provider who does not accept our insurance and later get reimbursed by the insurance company, only the out-of-pocket expense is eligible for the FSA reimbursement. Example: You visit the dentist and write a check for the full charge of $150. If your dental insurer sends you a reimbursement check for $100. You can submit a claim to AmeriFlex for your out-of-pocket cost of $50. See below for the annual limit and examples of eligible expenses.

Plan Maximum Election Limits 2020 Examples of Eligible Expenses
Medical FSA $2,750 Annually Co-pays for office visits and prescriptions, deductibles, amounts above plan limits, eye exam and glasses, contact lenses, orthodontia, not covered medical and dental expenses, etc.

Dependent Care Account (DCA)

A DCA allows you to get reimbursed for eligible childcare expenses that enable you and your spouse to be employed. Typical eligible expenses are:

  • The costs of daycare, after-school care, Pre-K program, and day camp for dependents under the age of 13 years old, the dependent must be your dependent under federal tax rules.
  • Services must be for the physical care of the child, not for education, meals, etc.

Expenses for overnight camps and kindergarten are not eligible for reimbursement. See below for the annual limit and examples of eligible expenses.

Plan Maximum Election Limits 2020 Examples of Eligible Expenses
Dependent Care $5,000 annually Day care, day camp, preschool, pre-kindergarten, etc.

 

Commuter and Parking Reimbursement Accounts (CRA)

A CRA allows you to use pre-tax contributions to pay for eligible mass transit, parking, and vanpooling expenses.

Eligible Commuter expenses include:

  • Public transportation such as SEPTA Keycards, tickets, and regional rails.
  • Commuting to and from work with van pools and pooled services Uber Pool or Lyft line-pool. NOTE: only pooled rides are eligible.
  • Parking costs at or near your work location, or the parking at a train station where you get transportation to work.

The IRS sets a monthly reimbursement limit annually, please refer to the below chart for the current plan year. You have to pay out of pocket (post tax) for any amount over the IRS monthly limits. You have the ability to adjust future contributions to avoid excess or shortage by completing a form to change your payroll deductions. See below for the annual limit and examples of eligible expenses.

 
Plan Maximum Election Limits  2020 Examples of Eligible Expenses
Commuter $270 per month Transportation expenses such as subway or bus passes, van or car-pooling costs, etc
Transit $270 per month Parking expenses incurred to park your vehicle near your employer or near mass transit/commuter facilities.

Transit charges must be made through a site that accepts debit cards.  The IRS does not permit manual submission of transit claims.

Visit AmeriFlex at www.Myameriflex.com for more information about FSA plans, a list of eligible expenses, forms, etc.

Who’s eligible for this benefit?

These voluntary benefits are available to full time CASA, SPAP, 32BJ/District 1201, Local 634, and Non-Represented employees. Waiting period: For the Medical and Dependent care FSA, employees must complete 90 days of full time service to be eligible to participate or during the open enrollment period-whichever comes first. Employees may sign up for the commuter and parking benefit at any time, there is no waiting period and enrollment can be completed throughout the year.

When and how can I enroll?

For employees, the enrollment for the Flexible Spending Account (FSA) and Commuter Reimbursement Account (CRA) programs is held in November for the following calendar year. You must re-enroll in these benefits each year.

To enroll visit https://enrollments.flex125.com/flex

Group Ameriflex ID is AMFSCOFPH

Click here for the Open Enrollment Tutorial  

The site is only available during the November Election Period. Eligible employees receive a notice on their School District e-mail account with details on how to enroll.

IRS regulations do not allow you to terminate or change your Medical (FSA) and Dependent Care (DCA) elections made during this election period.

Commuter FSA (Transit and Parking) elections made during the November Enrollment period may be changed or canceled during the year.

When and how can I make changes or cancel participation?

Once your contributions start, IRS regulations do not allow you to terminate or change your election to the Medical and Dependent Care FSAs. You may be eligible to make a change under special circumstances.  Visit our FSA FAQs page and look for the question, “What are allowable reasons that I may be able to change my FSA (medical or Dependent Care) election?”

For Commuter and Parking accounts, you are allowed to elect, change, or stop contributions at any time by submitting the Change of Election for Commuter Reimbursement Accounts to the office of Employee Benefits.

What does the deduction look like on my paycheck?

Below is a chart that displays the plan type and what the deduction looks like on your paycheck.

Plan Type Paycheck Code
Medical FSA “FSA MED”
Dependent Care Account “FSA DEPEND”
Parking Account “FSA PARKING”
Transit Account “FSA COMMUTE”

How do I use this benefit throughout the year?

New participants receive a debit card after enrolling. If you already have an active card, you will continue to use it. The debit card is issued by AmeriFlex. The card can be used for all three accounts to pay for eligible out-of-pocket expenses. It’s used just like a bank debit card – you present it at the time of payment and the cost of the service is automatically deducted from your applicable account. You do not need a PIN.

You card can only be used up to your available account balance, which varies by account. Debit charges that exceed this balance will be denied at the time of use.

You can use the debit card for all eligible expenses incurred during the plan year (January 1 through December 31). You have until March 15 of the following year to submit claims for any incurred services from January through December of the previous year. These claims must be submitted using a paper claim form. You can check your balance online by creating an account at www.Myameriflex.com, or call the customer service number listed on your AmeriFlex debit card.

Transit charges must be made through a participating site that accepts debit cards.  The IRS does not permit manual submission of transit claims.

How do I check my balance?

You can check your balance online by creating an account at www.Myameriflex.com, or call the customer service number, 1-888-868-353.

View the MyAmeriflex Portal tutorial video which includes instructions for checking account balances.

The MyAmeriflex App lets you access and manage your account anywhere you go, 24/7. Designed to accommodate your schedule and lifestyle, the MyAmeriflex App is perfect for situations when you’re away from home and need to pull up your Ameriflex account quickly and securely.

Get Access on the GO with the The MyAmeriflex App.  Downloading the MyAmeriflex Mobile App (available on the App Store or Google Play).

Visit AmeriFlex at www.Myameriflex.com for more information about FSA plans,

a list of eligible expenses, forms, etc.