Frequently Asked Questions

All current health insurance enrollments or enrollment changes you make during open enrollment will be effective for that enrollment year. Changes to your health or flexible benefits coverage during the year can only be made if you have a " qualifying life changes " during the new calendar plan year.

• For Blue Shield EPO and PPO plan members please call Express Scripts at 1-800-711-0917. Do not call Blue Shield's member services as your pharmacy benefits are managed by Express Scripts.
• Blue Shield EPO and PPO plan members can also order or print a Pharmacy Benefit card by logging into their member account at (link is https://www.express-scripts.com/). If you have not yet created an account the website will guide you to create an account.
• Blue Shield HDHP plan members need to call Blue Shield's member services at 1-855-256-9404 for questions regarding their pharmacy benefits as their pharmacy benefits are managed by Blue Shield.

No ID card is required to receive services; simply provide the dental office with your name, date of birth and social security or enrollee ID number. There are no claim forms to file - dentists file claim forms for you and accept payment directly from the provider. You can access your benefits and eligibility, print ID cards and get information about your claims online.

Healthcare flexible spending account (FSA) allows you to pay for qualified out-of-pocket medical expenses on a pre-tax basis.

Qualified expenses must be for out-of-pocket medical care provided to you, your spouse or dependent. For detailed information please click on allowable expenses.

No. This plan offers you a means to pay for eligible out-of-pocket health care expenses with pre-tax money. You must submit your claims to your health care, dental, or vision plan for payment according to the plan limits first. Then, the remaining out-of-pocket eligible expenses can be submitted for reimbursement from your FSA.

A dependent care flexible spending account (FSA) allows you to pay for employment-related dependent care services related to care of a qualifying individual on a pre-tax basis. For a list of eligible dependent care expenses, please click here .

Your election is irrevocable for the plan year unless you have a " qualifying life changes " as defined by HIPAA Special Enrollment rules and IRS Section 125 Regulations.

The forms are available here . Once you have completed the forms and attached the necessary supporting documentation or obtained the required signatures you can fax the form to (412) 276-7185, scan and email the forms to fsa-claims@benxcel.net or mail it to BCC Claims Processing, 2 Robinson Plaza, Suite 200, Pittsburgh, PA 15205

Claims can also be submitted online at the My SmartCare Portal or My SmartCare Mobile App. https://benefitcc.wealthcareportal.com/Page/Home

You can submit claims at any time for expenses incurred during the Plan Year. The deadlines for the claim filing are as follows:

• March 15 – last day to incur a qualifying FSA expense for the prior plan year
• June 15 – Last day to file FSA claims for reimbursement of FSA claims incurred in the prior plan year (between January 1 and March 15)

If you choose to continue participation in the FSA program, you must re-enroll each plan year.

No. The Health Care and Dependent Care FSA are two separate accounts. You cannot transfer money between the two, nor submit claims that are not consistent with the expense eligibility requirements.

Yes. You can include expenses paid to a babysitter if the services are necessary in order for you and your spouse, if married, to work or look for work, or for your spouse to attend school full-time. You may not, however, pay a relative for these services. However when you submit your reimbursement claim you have to submit Tax Identification Number (TIN) or if your babysitter does not have a TIN, you must submit his/her nine-digit Social Security Number with your reimbursement request.

The "use-it-or-lose-it" rule is a provision in the IRS Regulations. Under this provision, all money contributed to a FSA must be used to reimburse qualified expenses incurred during that plan year. Money not used to reimburse eligible expenses is forfeited. The unused portion of your healthcare FSA may not be paid to you in cash or other benefits, including transferring money between FSAs.

Under IRS regulations, you would be able to receive reimbursement of expenses incurred prior to your termination/retirement date. Expenses incurred after you leave your employer are not eligible for reimbursement. However, you may be entitled to elect COBRA continuation coverage under the Healthcare FSA once your coverage ends and receive reimbursement for qualified expenses after your termination, provided you make the required contributions to your new COBRA Healthcare FSA.

Think of HSAs as "medical" IRAs. They are tax-free accounts that individuals with an HSA-compatible high-deductible insurance plan can fund and use to pay for medical expenses. Because they are tax-advantaged and balances can accumulate over time; in addition, HSAs are owned by the individual account holder and therefore portable.

If you are enrolled in Blue Shield HDHP (High Deductible) PPO Plan with no other health plan coverage and not enrolled in a health care flexible spending account, is eligible to set up a pre-tax Health Savings Account (HSA).

Unlike a flexible spending account, these funds roll over from year to year and there is no "use or loose it provision".

Unlike an FSA the money in an HSA belongs to the account holder and is your account. You own it. You fund it. And you can take it with you wherever you go.

There are similarities, but here's what makes an HSA different:

• Your HSA rolls over each year – there is no "use it or lose it" rule – so you can accumulate funds for future health expenses.
• Your HSA is portable – it's your own account, so you use the same account from one employer to the next.
• Interest or investment earnings on the HSA funds are tax-free.

You may have a Dependent Care FSA and a HSA but according to IRS regulations you cannot have Healthcare FSA and an HSA.