This article explains how PEO employees who have enrolled in benefits through Deel can begin to use their benefits and access information about carriers.
In this article:
- Health Savings Account (HSA) and Flexible Spending Accounts (FSA)
- When you can start using your healthcare benefits
- How to get your health card
- Where to find your Group ID number
- How to contact or register with the various carriers
About Health Savings Account (HSA) and Flexible Spending Accounts (FSA)
[ACCORDION]How do employees access their FSA/HSA/Commuter benefits?
Employees can access their FSA/HSA/Commuter benefits by registering on the health equity website
healthequity.com.
Phone: 866.735.8195
[ACCORDION] Why am I not able to register on health equity?
Please ensure that personal details such as first name, last name, zip code & birth date are correct on the Deel platform. If your details are correct and you have issues with registering to Health Equity, please reach out to our Deel support team.
[ACCORDION] How do I sign up for HSA/FSA/commuter benefits?
You will be able to enroll in these benefits once you have selected the rest of your benefits through open enrollment.
[ACCORDION] Can I enroll in FSA at any time?
No, employees can only enroll in FSA through open enrollment or a (Qualifying Life Event) QLE.
[ACCORDION]Can I enroll in HSA at any time?
No employees will only be eligible to enroll in HSA during open enrollment or when going through a (Qualifying Life Event) QLE after selecting a High Deductible Health Plan (HDHP).
[ACCORDION]Can I change the amount of contributions to FSA at any time?
Employees can change the amount of contributions to FSA during open enrollment or through a QLE.
[ACCORDION] Can I change the amount of contributions to HSA at any time?
Yes, employees can change their contributions to HSA at any time of the year.
[ACCORDION]How long until I get an HSA/FSA card?
Cards are sent to employees 7-10 business days after their enrollment has been processed.
[ACCORDION]What should I do if I haven’t received my HSA/FSA card??
If you haven’t received your HSA/FSA card, follow these steps to request a replacement:
1. Log in to your HealthEquity account.
2. Go to the "Manage Cards" section.
3. Select the option to order a replacement card.
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When you can start using your healthcare benefits
If you are enrolled in healthcare benefits, they will be effective on your start date at Deel, whether you have received your health card or not.
[ACCORDION] If I do not yet have a health card (physical and/or digital) and I need to pay for emergency care, can I get reimbursed?
If your healthcare benefits are already effective, you are eligible for reimbursement, even if you don’t have a health card yet. You will need to pay for the services upfront and can contact your respective carrier to start the reimbursement process.
Please note that any claims eligible for reimbursement will depend on your healthcare plan.
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How to get your health card
Your physical health card should arrive at the home address you have specified in the Deel platform within 15 business days after the last day of the enrollment period. If there has been a change to your home address, please let the Deel team know by submitting a request.
[ACCORDION] Can I get a digital card while I wait for my physical card?
- Yes, if you need a health card while you wait for your physical card, you can get a digital health card.
- You can apply for the medical AETNA digital card 7 business days after the last day of your enrollment period.
- Access your carrier’s digital card through their app or by contacting the carrier directly.
- For instructions on registering with other carriers, review the PEO Health Providers Contact Information Table
- If you’re still unable to access your digital card, submit a request to the Deel team.
[ACCORDION] What do I do if I need care (emergency or non-emergency) and I don’t have a physical or digital card yet?
- In case of emergency while you still have not obtained a physical or digital card, please contact your Deel team or fill out this form.
- As long as the date of care is past your start date, you can make a claim as your benefits are effective since your start date. You will need to pay for the services upfront and can contact your respective carrier to start the reimbursement process.
- Register with your carrier and contact them to make a claim for reimbursement.
- Instructions on how to register for or book appointments are available below.
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Where to find your Group ID number
You may be asked for your Group ID number upon registration. Please reach out to the Deel team and submit a request for the PEO Carrier Contacts and Information table. You can then look up your carrier, benefit type and corresponding plan to identify your Group ID number.
How to contact or register with the various carriers
Please reach out to the Deel team and submit a request for the PEO Health Providers Contact Information table.