Customized Plan Information for
The School Board of Polk County
Flexible Spending Plan

The School Board of Polk County has partnered with Cornerstone to administer the Flexible Spending Account (FSA) for all of the eligible employees. This website has been designed to provide you with access to all of the information and forms that you may need to participate in this program. You can also take advantage of the convenient web portal that gives you access to your account to look up claim and balance information as well as make any updates to personal information.

Login Instructions Your username is the first letter of your first name, your last name, and the last 5 digits of your Social Security number. Example: asmith12345 Your default password is: changeme1 Should you have any difficulty logging in, please contact Cornerstone Group at 1-800-720-4460.

FlexPlan (FSA) Frequently Asked Questions

1. How to use your Flexible Spending Plan – now with the MBI MasterCard^® Debit Card
2. Contribution Amounts and Calculator
3. How does your MBI MasterCard^® Debit Card work with the FSA?
4. What are some examples of eligible FSA locations and providers?
5. Do I choose debit or credit at the credit card terminal when I use my card?
6. How can I use my card if I receive a bill from a provider at home?
7. What if the doctor’s office doesn’t take credit cards?
8. Do I still need to keep my receipts?

1. How to use your Flexible Spending Plan – now with the MBI MasterCard^® Debit Card.
A Flexible Spending Account (also known as a Healthcare Spending Account, part of a “Cafeteria” Plan or Section 125 Plan) is a benefit provided by your employer that allows individuals to contribute pre-tax dollars from their paycheck to a spending account that can be used for eligible FSA expenses. It saves you money by letting you use pretax dollars to pay for items not paid for by your traditional health insurance plan. You choose how much money you would like to automatically deduct from your paycheck each pay period and put into your separate FSA account. Then you can use the new Master Card^® debit card to spend the money on eligible expenses.

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2. Contribution Amounts and Calculator
Please refer to your summary plan description or contact your HR department or call us at 1-800-720-4460 for minimum and maximum contribution amounts for the health care spending account. You will want to estimate your healthcare expenses to figure out the right contribution for you or your family. Click our FSA Savings Calculator tools to help you calculate your healthcare costs which will show you both how much to put in your FSA and how much money you will save in taxes.

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3. How does the new MBI MasterCard® Debit Card work with the FSA?

The MBI MasterCard® Debit Card allows you to pay for eligible products and services at the point of sale without submitting claim forms or waiting for reimbursement. You can use the card at any eligible location where MasterCard® or Visa® is accepted. Some examples of eligible locations include: hospitals, physician offices, dental offices, vision service locations, and pharmacies (retail and online).

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4. What are some examples of eligible FSA locations
and providers?
Examples of qualified FSA locations and providers include: Hospitals, Physician Offices, Dental Offices, Vision Service Locations, Pharmacies, Durable Medical Supply Locations, Home Healthcare Services, and Dependent Care Facilities.

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5.Do I choose debit or credit at the credit card terminal when I use my card?
The MBI MasterCard^® Debit Card is a signature based debit card and should be swiped as a credit card at the terminal. There is no PIN number associated with the card.

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6. How can I use my card if I receive a bill from a provider
at home?
You can use the card by writing your card number in the space provided on the bill and sending it back to the provider or by giving the number to the provider over the phone.

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7. What if the doctor’s office doesn’t take credit cards?
In these instances, cardholders will have to "go back to the old way" and pay with cash or check and submit a manual claim. However, industry research indicates that over 90% of all FSA transactions are electronic.

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8. Do I still need to keep my receipts?
Yes! Although there is no requirement for you to complete claim forms, additional documentation will be requested in cases where you swipe an amount that is not an exact copay amount on your medical insurance plan.

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