Page 6 - 2019 Point Loma Credit Union Benefits Guide

Health Reimbursement Pet Discount Program
Arrangement (HRA) Pet Insurance through United Pet Care puts an end to deductibles and

frustrating claim forms that traditional pet insurance requires. As a United
Point Loma Credit Union has established a HRA program through Pet Care member, you simply take your pet to the vet as often as you need
Discovery Benefits for those employees waiving the medical plan, you and instantly save 20-50% on everything from check-ups, vaccines, skin
are eligible for the HRA dental and vision listed below, as well as $0 treatments, and surgeries. There are no exclusions due to:
cost of coverage for the dental and vision.
Animal’s Age
• Vision HRA, up to $150 Pre-Existing Conditions
• Dental HRA, up to $1,000 Hereditary/Genetic Conditions

What is an HRA? You will be able to receive reimbursement for the
cost of qualified expenses without taxation. The HRA program will be • NO Claim Forms
funded completely by your company, so there is no cost to you. • NO Waiting Period
• NO Deductibles
A card will be issued to eligible employees. If you are also enrolled in
the FSA, please note that the FSA/HRA card will be combined. • NO Annual Dollar Maximum Limitations
For more details and to enroll, call (888) 781-6622 or visit
www.unitedpetcare.com/plcu.

Flexible Spending Accounts (FSA)

FSA’s provide you with an important tax advantage that can help you pay
health care and dependent care expenses on a pre-tax basis. By
anticipating your family’s health care and dependent care costs for the
next year, you can actually lower your taxable income.

Plan Year: July 1, 2019 through June 30, 2020

Run-out period (to file claims): 90 days following the end of the plan
year, or September 28, 2020
• Healthcare FSA (HCFSA), up to $2,700

• Dependent Care FSA (DCFSA), up to $5,000
($5,000 maximum per household)

$500 ROLLOVER: Employees may roll over up to $500 (cannot be
more than $500) of unused amounts in the Health Flexible Spending
Account. Amounts in excess of $500 will be forfeited.

GreenPath Financial Wellness

GreenPath Financial Wellness provides you with access to free one-
on-one financial counseling, debt management services and financial
education tools. The following services are offered to you as a Point
Loma Credit Union employee:
• Free Financial Counseling
• Debt Management Plan
• Housing Services
• Student Loan Counseling
• Credit Report Review
• Financial Education

For more information, call (877) 337-3399 .

Pg. 5 | Point Loma Credit Union | Benefits Guide