OGB FLEXIBLE BENEFITS PLAN

What is the OGB Flexible Benefits plan?

The OGB Flexible Benefits plan allows you to pay for certain benefits before your money is taxed. So, for example, with a flexible benefit plan you can transfer money out of every paycheck and put it in a flexible spending arrangement account before it’s taxed.

Active employees of agencies participating in an OGB Flexible Benefits Plan may enroll in one or several Flexible Benefits Plan options:

General Purpose Health Care Flexible Spending Arrangement (GPFSA)

The GPFSA option allows an employee to use pre-tax dollars to pay eligible out-of-pocket medical, dental and vision care expenses for the employee, their spouse and any other federal tax dependents. An employee cannot participate in the GPFSA and the Health Savings Account (HSA) options at the same time. This is a HIPAA-excepted benefits plan. You must re-enroll each year if you wish to continue participation.

Limited-Purpose Dental/Vision Flexible Spending Arrangement (LPFSA)

The LPFSA option allows an employee to use pre-tax dollars to pay for eligible out-of-pocket dental and vision expenses only. An employee cannot participate in the GPFSA and the LPFSA options at the same time. However, an employee who enrolls in the Pelican Health Savings Account (HSA) 775 can participate in the LPFSA option. This is a HIPAA-excepted benefits option. You must re-enroll each year if you wish to continue participation.

Dependent Care Flexible Spending Arrangement (DCFSA)

A Dependent Care FSA allows you to set aside pre-tax money to pay for dependent care expenses while you’re at work. That includes your young children under age 13 in daycare and elderly or disabled dependents, who cannot care for themselves.

Health Savings Account (HSA)

A Health Savings Account, or HSA, is an employee-owned account used to pay for qualified medical expenses, including deductibles, medical co-pays, prescriptions and other eligible medical, dental and vision costs.

For more HSA information, click here.

For more information on these options, click here.

PREMIUM CONVERSION

Premium Conversion is automatic for all employees, who are employed by those agencies who participate in an OGB Flexible Benefits Plan. By enrollment in an OGB health plan, life insurance, and/or a voluntary/statewide product that is eligible for pre-tax deductions, employees are automatically enrolled in the Premium Conversion option. Employees must re-enroll each year in the GPFSA, LPFSA, and DCFSA, if they want to continue participation.

DISCOVERY BENEFITS, INC.

Discovery Benefits, Inc. is OGB’s third party administrator for OGB’s Flexible Spending Arrangements (FSAs). The Discovery Benefits website features other tools to help you understand the benefits of your FSA:

  • Health and Dependent Care FSA Worksheet
  • Eligible and ineligible expenses
  • How to use your debit card
  • How to get a reimbursement

Log on to Discovery Benefits and learn how to maximize your FSA.

Call Discovery Benefits toll-free customer service Monday – Friday; 6:00 a.m. – 9:00 p.m. CST: 1-866-451-3399 with questions about your FSA.

FILING A CLAIM FOR REIMBURSEMENT

Plan members can be reimbursed from Discovery Benefits for eligible expenses in three ways:

 

ONLINE

  Enter your claim information online.

  Upload your receipt.

  Your reimbursement will be processed once your information is received.

 

FAX

  Download, print and complete the Discovery Benefits Reimbursement Request form.

  Fax the Reimbursement Request form along with your receipts to fax number 1-866-451-3245.

 

MAIL

  Download, print and complete the Discovery Benefits Reimbursement Request form.

  Mail the Reimbursement Request form along with your receipts to:

Discovery Benefits

P.O. Box 2926

Fargo, ND 58108-2926