SERVICES
Why FlexPlan
At FlexPlan Administrators, we believe outstanding customer service matters. Our happy employees, broker partners and employers will attest that we have been providing just that for over 30 years.
Your designated account representatives strive for fast claim turnaround and no phone queue customer service support. We're here to deal with you directly when needed! We also firmly believe that outsourcing should take work off your plate, not add to it. To that end, we have designed all our support services to be hassle-free, easy to use, and provide tools that minimize your workload, saving you time and money. We take care of the details and allow you to be as involved as you choose in your plan administration.
Wherever you company or firm is located and whether it is small, large, private, publicly-owned, non-profit or a government entity, FlexPlan Administrators is ready to work for you!
Your designated account representatives strive for fast claim turnaround and no phone queue customer service support. We're here to deal with you directly when needed! We also firmly believe that outsourcing should take work off your plate, not add to it. To that end, we have designed all our support services to be hassle-free, easy to use, and provide tools that minimize your workload, saving you time and money. We take care of the details and allow you to be as involved as you choose in your plan administration.
Wherever you company or firm is located and whether it is small, large, private, publicly-owned, non-profit or a government entity, FlexPlan Administrators is ready to work for you!
Types of Plans
Section 125 Cafeteria Plans Premium Only Plan (POP)
A Cafeteria Plan is a reimbursement plan governed by IRS Section 125 which allows employees to contribute a certain amount of their gross income to a designated account or accounts before taxes are calculated.
Learn More - POP Fact Sheet
Flexible Spending Account (FSA) & (DCA)
A Flexible Spending Account is a designated reimbursement account under a Cafeteria Plan which allows employees to contribute a certain amount of their gross income to medical (FSA) or dependent daycare accounts (DCA) before taxes are calculated. Our administration includes use of debit cards for convenience. These plans are very common and provide a tax benefit to both the employee and the employer (reduced FICA taxes).
Learn More – FSA Plan Comparisons
FSA Fact Sheet
DCA Fact Sheet
Health Reimbursement Arrangements (HRA)
An HRA is a type of Medical Reimbursement Plan (MRP) that allows the employer to contribute tax-free dollars to a designated employee account or accounts. These accounts are for employee reimbursement of out-of-pocket medical expenses (including some insurance premiums and deductibles). These plans have a lot of flexibility in design providing many options for employers.
Learn More – HRA Plan Types
Plan Comparisons
Health Savings Accounts (HSA)
Health savings accounts are tax favored accounts that can be contributed to by or on behalf of “eligible individuals” covered by certain high deductible health plans (HDHPs) to pay for certain medical expenses of eligible individuals and their spouses and/or tax dependents. These plans are owned by the employee and we can administer with or without debit cards.
Learn More – HSA Fact Sheet
HSA Plan Comparisons
Answers to ER Questions
Telemedicine / Wellness / Lifestyle
This is an employer-funded (post-tax) account dedicated to employee wellness/lifestyle related perks. Rather than guessing what employees want, these accounts help employers put the money and choice in the hands of employees so they can get the perks they want and need most. These accounts are becoming increasingly popular in today’s work climate because they dramatically improve both the process of offering benefits for an HR team and more importantly, the experience for employees.
Learn More – LSA Fact Sheet
Telemedicine for Small Businesses
Healthiest You Complete Bundle
Qualified Transportation Plans
A Qualified Transportation Plan (QTP) is a reimbursement plan governed by IRS Section 132 that allows employees to contribute a certain amount of their gross income to a designated account or accounts before taxes are calculated. These accounts are for specified transportation and parking expenses for commuters.
Learn More – Transit Fact Sheet
COBRA administration
Since 1986, employers have had to navigate the many government mandated rules associated with the Consolidated Omnibus Budget Reconciliation Act. This cumbersome process is something that FPA can assist you with!
Medical Reimbursement Plans
Congress passed this landmark provision in 1986 requiring most group health plans to provide a temporary coverage of group health coverage that otherwise might be terminated. This applies to all private-sector group health plans maintained by employers that have at least 20 employees on more than 50% of its typical business days in the previous calendar year.
ADMINISTRATION SERVICES
Let us handle the burden of COBRA administration - our team will handle complete & compliant administration of COBRA including all required notices, open enrollment assistance and premium collection. We offer flexible administration processes for employer and broker partners, including access to an online portal for notification submissions.
ADMINISTRATION SERVICES
Let us handle the burden of COBRA administration - our team will handle complete & compliant administration of COBRA including all required notices, open enrollment assistance and premium collection. We offer flexible administration processes for employer and broker partners, including access to an online portal for notification submissions.
How COBRA Works
Flex Account Administration
Your clients count on you, as their advisor, to provide top-quality products and services. FlexPlan Administrators can assist by administering a variety of reimbursement and assistance programs as well as serving as a partner TPA for voluntary/worksite benefits.
Online Services
FlexPlan’s comprehensive customer portal enables 24-hour access for both employer and employee account management and reporting. In addition, it provides customized downloadable forms, answers to frequently asked questions (FAQ), and detailed information about cafeteria plan rules and claim submission.
Fast Response
Whether solving a problem or simply processing claims, FlexPlan measures response times in minutes or hours, not days. We’re committed to responding to each inquiry promptly. There are no automated responses - you get us on the phone or in person when needed.
Traditional or Flex Card Administration
Our services provide you and your clients with “Options” (e.g. traditional or flex card administration, 125 plan, HSA, HRA, DCA, Lifestyle/Wellness Savings Account, among others). This way, employees can either pay up-front for medical expenses with their flex card at qualified locations – thus eliminating their out-of-pocket expense – or submit claims for reimbursement after they are incurred. With either option, FlexPlan handles all claims directly, so your company is free from paperwork hassles.
Full IRS Compliance
In order to protect your company’s interests, FlexPlan guarantees a thorough review of each claim submitted to ensure full IRS compliance. Skilled adjudicators process each submission and contact the employee with any questions, allowing your company to have complete confidence that the administration of your plan is IRS compliant and eliminating the possibility of costly fines and/or termination of the plan.
Compliance
FlexPlan provides compliance documents and full-service reporting for the following DOL regulations:
Section 125 Premium Only Plan Document
ERISA WRAP Document & Notices
Form 5500 Filing
Online Benefit Enrollment
FlexPlan provides flexibility when it comes to processing enrollments and employee event communications. We can be set to receive EDI file feeds allowing us to process all events from a spreadsheet whether that is through a payroll provider or an online enrollment software platform. We can also provide paper forms to use if that is preferable.
FlexPlan is an integrated TPA partner with Employee Navigator allowing complete and seamless event communications for COBRA administration as well as FSA/DCA, HRA & HSA enrollments.
FlexPlan is an integrated TPA partner with Employee Navigator allowing complete and seamless event communications for COBRA administration as well as FSA/DCA, HRA & HSA enrollments.
Implementation
When can I start a reimbursement plan for my company?
As a plan sponsor, you can choose to begin your reimbursement plan at any time. You can also establish any 12-month period you choose as the plan year. For example, you could maintain a calendar-year (January – December) plan year, or align the plan with the school year (September – August).
Since it is most often preferable to start the reimbursement plan as quickly as possible, there is also an option called a “short” plan year. This allows your company to start a plan “mid-year” and end at whatever date will subsequently begin the 12-month year that you choose. In other words, if your company makes the decision in May to implement a new reimbursement plan and chooses to follow the calendar year, you can begin with a short plan year of June – December, with subsequent plan years following the calendar year.
Healthiest You/Teladoc – Telemedicine Service
Healthiest You, owned by Teladoc, provides 24x7 access to doctors and proactive wellness coaching for Americans.
Healthiest You provides 24×7 access to doctors and proactive wellness coaching for tens of thousands of Americans. Join us in changing the way we think about healthcare…in sickness and in health. Healthiest You can provide a convenient option for you and your families health care needs! Healthiest You is available as a Group or Voluntary Product.
Healthiest You provides 24×7 access to doctors and proactive wellness coaching for tens of thousands of Americans. Join us in changing the way we think about healthcare…in sickness and in health. Healthiest You can provide a convenient option for you and your families health care needs! Healthiest You is available as a Group or Voluntary Product.
Learn More – LSA Fact Sheet
Telemedicine for Small Businesses
Healthiest You Complete Bundle
The Smart Way to Keep Kids Safer Online
Bark's affordable, award-winning dashboard proactively monitors text messages, YouTube, emails, and 30+ different social networks for potential safety concerns, so busy parents can save time and gain peace of mind.
Learn More
Wellness Program Administration
FlexPlan can assist employer groups with their HIPAA regulated wellness programs with complete third-party administration. This can include tracking and reporting of the program allowing the company to gain a better understanding of their employee groups health related needs. Additionally, FlexPlan can administer the new and trending Lifestyle or Wellness Savings Accounts that many employers are utilizing to enhance their benefits package.
