PayFlex

About PayFlex

PayFlex Systems USA, Inc. is the new claims administrator for the University's health care and dependent care flexible spending accounts replacing the University's Benefits Division starting January 2008. The primary reason for moving administration of FSA claims to PayFlex is to achieve greater administrative efficiency and to enhance service to faculty and staff. PayFlex is a Omaha, Nebraska based company specializing in administering FSA plans and has the expertise needed to provide timely and accurate claim service. The Benefits Division will provide PayFlex with the annual pledge amount and monthly contributions. An individual may not submit or deposit contributions directly to PayFlex.

Claims

**Debit Card for Health Care and Limited Use FSA members

The PayFlex Debit Card makes your Health Care Flexible Spending Account (Health FSA) easier to use. The Card may also be used by participants in the Limited Use FSA. The PayFlex Debit Card is a special MasterCard® that draws on the value of your annual FSA election amount regardless of the amount of contributions in the account. Use of the Debit Card is optional - plan participants are not required to use the Debit Card to pay for out of pocket expenses. For additional information.

Using the PayFlex Debit Card is simple because...

It's automatic - the funds are immediately deducted from your Health Care Spending Account at the time you incur the expense.
It's fast & easy - simply swipe, press "Credit," sign for the transaction and save your receipts. No PIN is required.
It improves your cash flow - it is not necessary to pay cash at the time of purchase and then wait for reimbursement.
It's easy to track - your current balance and record of account transactions are available around the clock by accessing your account online. A monthy account statement is not issued.

The PayFlex Debit Card helps with qualifying Health Care Spending Account expenses such as:

Prescription drug co-pays.
Physician office visit and emergency room co-pays.
Over-the-counter medications and eligible other items.
Health plan deductibles.

**Express Claims for Health Care and Dependent Care expenses

Use the PayFlex EXPRESS Claim Service and enter your health care expense claim online! Use this feature for health care services other than copayments, such as outpatient hospital services, dental care services and vision care services. Submit or have your provider submit a claim to your health insurance company. Upon receipt of an Explanation of Benefits from the health insurance company showing a patient owed amount, submit a FSA claim to PayFlex. Go to the PayFlex member website and click on the Express claims link. Print the claim, attach receipts and either fax or mail the claim form and receipts directly to PayFlex. You'll receive expedited claim approval and an email confirmation of receipt and processing. Claims are generally processed and paid within 2-3 days. You may also use the Express Claim Service for dependent care account claims.

Online Resources

**Account transactions and balances

You may access account transactions and balances online. New account users will need to register for an account. Simply go to the PayFlex member website lick login and then click on "Register my account." You will be asked to enter a Username (your NU employee ID found on your Wildcard), your 5 digit HOME Zip Code and password. Then click on the Submit button. You will then be asked to re-enter your username, password and specify a security question for use in the event you forgot your password. You may also specify if you want to receive email notifications when claims have been received, EOB advice notices for any claim denials and direct deposit payments and documentation requests for purchases made with the PayFlex Debit Card. Once you have completed these steps, a page will appear indicating that your account has been successfully registered.

** Frequently Asked Questions (FAQs)

A number of frequently asked questions (FAQs) may been prepared both by the Benefits Division and PayFlex which hopefully will answer the majority of your questions. You may also contact the Benefits Division at 847 491-7513 or PayFlex at 800 284-4885. Please provide your NU employee ID found on your Wildcard.

**Ordering additional Debit Cards

PayFlex will send you one Debit Card. You may order Debit Cards for family members. Simply go to the PayFlex member website and provide the requested employer name (Northwestern University), First Name, Last Name and Dependent Type (Spouse) and then click on the Submit button. Please allow 10 to 15 business days for processing upon receipt of the order. The additional card(s) will be mailed to your home address. Please make sure the address is your current home address. If not, please contact the University's Benefits Division.

**Direct deposit for receiving claim reimbursement payments

You may set up claim reimbursement payments to be deposited directly to your bank account. Simply go to the PayFlex member website and click on the Direct Deposit link. Provide the bank account type, account number, routing number, institution type and then click submit.

**Online store

PayFlex has partnered with a variety of online vendors (such as drugsource, inc and drugstore.com) to offer you savings and home delivery for more than 3,000 over-the-counter items, 4000+ prescriptions, vision and hearing products. The Spending Account Buying Center is a convenient way to utilize your healthcare spending account dollars! The online store is accessible from the PayFlex member web site and clicking on the PayFlex Spending Account Buying Center button.

To learn more about these online vendors, please click here to view a list of frequently asked questions. When accessing drugstore.com, click on "Go to FSA Store."

For more information about PayFlex, contact the University's Benefits Division at 847 491-7513 or email at benefits@northwestern.edu. You may also contact PayFlex at 800 284-4885 or visit their website at www.mypayflex.com. A number of helpful frequently asked questions (FAQs) are available.


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