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What is the marketplace?

At the marketplace, you can make purchases for items or vouchers with your flex$ or points.

All items available on the marketplace are from merchants within pre-approved categories, so any purchase from the marketplace will be automatically approved and deducted from your Flexible Spending Account.

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What's so special about Points, why do I use it to shop at the marketplace?

Points do not expire! Unlike your flex dollars which expire at the end of each benefit period, any unused points will remain in your wallet for the duration of your tenure.

How do I get Points?

At the end of each benefit period, flex dollars will be automatically converted to points for you.

Only a maximum of 30% of your annual entitlement can be converted to points.

Example:

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at the end of benefit period

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Points converted:

$90

annual allocation

$300

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Unused flex dollars:

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What if I made insurance selections/ claims during the year?

If you had made any insurance selection that added to your wallet, the maximum amount  converted to points remains unchanged.

Example:

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annual allocation

$300

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downgrade insurance
+$100

Maximum amount that can be converted to points:

$90

If you made flex claims during the year, the amount converted to points will not exceed your balance or the 30% threshold, whichever is lower.

Example:

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annual allocation

$300

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Flex claim deduction

-$250

Maximum amount that can be converted to points:

$50
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annual allocation

$300

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Flex claim deduction

-$100

Maximum amount that can be converted to points:

$90
What is the difference between flex dollars & points?

Flex dollars can be used for flex claims, insurance upgrades/downgrades (during selection period) and marketplace purchase. Points can only be used for marketplace purchases.

Flex dollars

Points

Flex claims

Insurance Selection

Marketplace