ABOUT US Auto-Wares Group of Companies
Established in 1976, in Grand Rapids, Michigan, we service over 40,000 commercial accounts including auto repair shops, fleets, farms, and more. Parts Availability • Over 1000 brands stocked
• 1.8 million part numbers tracked Specialty Companies • A-1 Truck Parts • Auto Paint
• Auto Performance • Battery Specialists • Foreign Parts Specialists • Auto-Wares OE • Seasonal Products • Tool Company
COMPANY STORES DISTRIBUTION CENTERS
2,700+ 230+
9
COMPANY OWNED STORES Across 6 States
EMPLOYEES Store • Corporate • Distribution
DISTRIBUTION CENTERS Shipping to Stores Nightly
AUTOMOTIVE
AWI LEASING DBA AUTO-WARES Eye Care Highlight Sheet
Plan 1: Focus® Plan Summary
Effective Date: 1/1/2026
VSP Choice Network + Affiliates
Out of Network
Deductibles
$20 Exam
$20 Exam
$20 Eye Glass Lenses or Frames*
$20 Eye Glass Lenses or Frames
Covered in full
Up to $45
Annual Eye Exam Lenses (per pair) Single Vision
Covered in full Covered in full Covered in full Covered in full See lens options
Up to $30 Up to $50 Up to $65 Up to $100
Bifocal Trifocal
Lenticular Progressive
NA
Contacts
Member cost up to $60
No benefit
Fit & Follow Up Exams
Up to $150
Up to $120 Up to $210 Up to $70
Elective
Covered in full
Medically Necessary
$150**
Frame Allowance
Frequencies (months) Exam/Lens/Frame
12/12/24
12/12/24
Based on calendar year
Based on calendar year
*Deductible applies to a complete pair of glasses or to frames, whichever is selected. **The Costco and Walmart allowance will be the wholesale equivalent.
Lens Options (member cost)*
VSP Choice Network + Affiliates
Out of Network
(Other than Costco)
Progressive Lenses Standard
Covered in full
Up to Lined Bifocal allowance. Up to Lined Bifocal allowance.
Up to provider's contracted fee for Lined Bifocal Lenses. The patient is responsible for the difference between the base lens and the Progressive Lens charge. Covered in full for dependent children $33 adults
Premium
No benefit
Std. Polycarbonate
$15 (except Pink I & II)
No benefit
Solid Plastic Dye
$17
No benefit No benefit
Plastic Gradient Dye Photochromatic Lenses (Glass & Plastic) Scratch Resistant Coating Anti-Reflective Coating
$31-$82
Covered in full Covered in full Covered in full
No benefit No benefit No benefit
Ultraviolet Coating
*Lens Option member costs vary by prescription, option chosen and retail locations.
AWI LEASING DBA AUTO-WARES Eye Care Highlight Sheet
Additional Focus® Choice Network Features Contact Lenses Elective
Allowance can be applied to disposables, but the dollar amount must be used all at once (provider will order 3 or 6 month supply). Applies when contacts are chosen in lieu of glasses. For plans without a separate contact fitting & evaluation (which includes follow up contact lens exams), the cost of the fitting and evaluation is deducted from the allowance.
20% off additional complete pairs of prescription glasses and/or prescription sunglasses.*
Additional Glasses
VSP offers 20% off any amount above the retail allowance.*
Frame Discount
VSP offers an average discount of 15% off or 5% off a promotional offer for LASIK Custom LASIK and PRK. The maximum out-of-pocket per eye for members is $1,800 for LASIK and $2,300 for custom LASIK using Wavefront technology, and $1,500 for PRK. In order to receive the benefit, a VSP provider must coordinate the procedure.
Laser VisionCare
With prior authorization, 75% of approved amount (up to $1,000 is covered every two years).
Low Vision
Based on applicable laws, reduced costs may vary by doctor location.
Rx Savings Our valued plan members and their covered dependents can save on prescription medications at over 60,000 pharmacies across the nation including CVS, Walgreens, Rite Aid and Walmart. This Rx discount is offered at no additional cost, and it is not insurance.
To receive this Rx discount, Ameritas plan members just need to visit us at ameritas.com and sign into (or create) a secure member account where they can access and print an online-only Rx discount savings ID card.
Eye Care Plan Member Service Focus eye care from Ameritas Group features the money-saving eye care network of VSP. Customer service is available to plan members through VSP's well-trained and helpful service representatives. Call or go online to locate the nearest VSP network provider, view plan benefit information and more.
VSP Call Center: 1-800-877-7195
Service representative hours: 5 a.m. to 7 p.m. PST Monday through Friday, 6 a.m. to 2:30 p.m. PST Saturday
Interactive Voice Response available 24/7
Locate a VSP provider at: ameritas.com View plan benefit information at: vsp.com
Section 125 This plan is provided as part of the Policyholder's Section 125 Plan. Each employee has the option under the Section 125 Plan of participating or not participating in this plan. If an employee does not elect to participate when initially eligible, he/she may elect to participate at the Policyholder's next Annual Election Period. Language Services We recognize the importance of communicating with our growing number of multilingual customers. That is why we offer a language assistance program that gives you access to: Spanish-speaking claims contact center representatives, telephone interpretation services in a wide range of languages, online dental network provider search in Spanish and a variety of Spanish documents such as enrollment forms, claim forms and certificates of insurance.
This document is a highlight of plan benefits provided by Ameritas Life Insurance Corp. as selected by your employer. It is not a certificate of insurance and does not include exclusions and limitations. For exclusions and limitations, or a complete list of covered procedures, contact your benefits administrator.
A Flexible Spending Account is Part of Your Employee Benefit Plan
Plan and Save With Your FSA!
A Flexible Spending Account (FSA) Will Put More Money in Your Pocket by Paying for Health, Dental, Vision & Dependent Care with Tax-Free Dollars. Sign Up Today.
Learn How To Take Advantage Of Your Benefit Inside This Brochure
The following list is not intended to be comprehensive, but contains some of the more common medical expenses. The Internal Revenue Service deter- mines the expenses that are allowable and disallowable. IRS Publication 502, Medical and Dental Expenses, has a checklist of the medical expenses that can be deducted under the Health Care Spending Account. Eligible Health Care Expenses
The Flexible Spending Account Plan is as Easy as 1, 2, 3! 1 Elect an annual election amount based on your estimated expenses for the next Plan Year. Keep in mind that the Medical FSA and Dependent Care FSA are separate accounts, so please make your elections accordingly. 2 Your Employer will begin withholding funds from your check on a PRE-TAX basis and depositing them into your FSA account(s). 3 When you incur an expense, submit the itemized receipt to Flex Administrators, Inc. and receive reimbursement with your TAX-FREE money.
• Over-the-counter items purchased to alleviate or treat an illness or injury • Prescription drugs • Smoking Cessation Programs • Special Education for the handicapped • Sterilization Fees • Substance Addiction Treatment Ineligible • Warranty • Dates of Service outside of the Plan Year
• Acupuncture • Arch supports, knee and wrist braces • Breast Pump • Chiropractors’ fees • Co-Insurance • Co-Pays • Deductible Expenses • Dental Fees • Dentures • Dermatologist • Diabetic supplies • Eye exams • First aid supplies • Infertility Treatments • Laboratory fees • Laser eye surgery
Over-the-Counter Medications Over-the-counter items are eligible for reimbursement. The 5 most common expenses eligible without a prescription are: Pain relief medi- cations, cold and flu products, allergy products, heartburn medications and menstrual products. For more information regarding OTC product eligibility, please visit our website. Orthodontia Reimbursement Please note: Orthodontia reimbursement is based on when the service is incurred, not when payment is made. Also, all first time orthodontia requests must include the Truth in Lending Statement or treatment contract. For assistance in determining what orthodontia expenses would be eligible for reimbursement from this Plan Year please contact our office directly or reference our website for additional information. Special Foods including foods following Bariatric Surgery, Gluten-Free and Infant Formula: Eligible with Medical Necessity prescribing it to treat a specific medical condition and only to the extent that the cost of special food exceeds cost of commonly available same product. Also, it cannot be a substitute for normal nutritional requirements. Massage Therapy: Must be prescribed to treat a specific medical condition • Service Fees/Late Fees • Electric Toothbrushes • Medical Marijuana • Non-Prescription Sunglasses • Cosmetic Procedures Requires Medical Necessity Vitamins and Supplements: Must be prescribed to treat a specific medical condition and not to promote general health. Health Club Dues and Fees: Only qualify in very limited circumstances such as fees incurred upon the advice of a medical practitioner to treat a specific medical condition (e.g., rehab after back surgery or treatment for obesity). The expense must not have been incurred “but for” the disease (i.e. if you belonged to the health club before diagnosis the fees would not qualify). Fitness Tracker: Must be prescribed to treat a specific medical condition and not to promote general health. Weight Loss Treatment: Must be prescribed to treat a specific medical condition and not to promote general health. IV Vitamin Therapy (e.g., DRIPBar): Must be prescribed to treat a specific medical condition and not to promote general health.
What Kind of Medical FSA Expenses are Eligible? Qualifying health care expenses may be incurred for you, your legally married spouse, your natural child, your adopted child, a child placed with you for adoption, your step-child or your foster child through December 31 of the calendar year the child turns age 26; or other children, relatives and members of your household who are your “qualifying Child” or “qualifying relative” under IRS guide- lines. For a complete definition of Qualifying Child or Qualifying Relative, please contact our office. Your expenses must be incurred means date of service, NOT date of payment) within the plan year or prior to your employment termination date. What Do I Need to Submit in Order to Get Reimbursement? We accept the following forms of documentation for reimbursement: Explanation of Benefits form (EOB) from your insurance company. Itemized receipt from the Service Provider which includes the pro- vider’s name and address, date of service, patient name, description of service(s) and the amount of the charge. Cash Register Receipt for OTC or Prescription Expenses will be accepted as long as the name of the provider, the date of service and the description of the expense is visible on the receipt.
FSA Store Flex Administrators, Inc. has partnered with FSA Store to help you understand
the many available uses of your Flexible Spending Account. The site helps make purchasing FSA eligible items simple. You can access the store through our website at www.flexadministrators.com.
What Kind of Dependent Care FSA Expenses are Eligible? Who is eligible for the dependent care account?
Receipt for Child Care Services For the Time Period: / / through / / For the Amount of $ Paid by: Received by: Date: / / What Do I Need to Submit in Order to Get Reimbursement? You will need an Itemized Receipt from the day care provider. The receipt must reference the from/through date of service and be signed by the provider (or on the provider’s letterhead). You can prepare your own receipts for your day care provider to complete using the sample below: Generally, your contributions may not exceed the lesser of: 1 $7,500 (if you are married filing a joint return or you are head of a household) or $3,750 (if you are married filing separate returns); 2 your taxable income; or 3 your spouse’s income (for calculation purposes, a spouse who is a full-time student or incapable of caring for himself/herself is consid- ered to have a monthly income of $250 for one dependent or $500 for two or more dependents). How Do I Submit Claims? In order to receive reimbursement from your account, please collect the proper documentation and submit your claim via one of the options below. Ways to File a Claim 1 Via your online account at https://Flexadministrators.lh1ondemand.com. FREE App
If you are married, you can use the account if you and your spouse work, or in some situations, if your spouse goes to school. You can also use the account if your spouse is disabled and unable to care for the children. Single parents can also use the account.
Which dependents are eligible? An eligible person is defined as an individual who qualifies as a dependent for income tax purposes and is: • Under the age of 13, or physically or mentally unable to care for himself or herself; or • Your spouse, or other dependent (child and/or parent) who is physically or mentally unable to care for himself or herself. If the care is provided outside your home, the expenses can be reimbursed only if the eligible person regularly spends at least 8 hours a day in your home. What Expenses Are Eligible for Reimbursement? The following types of care are reimbursable from a Dependent Care Spending Account: • Care provided inside or outside your home by anyone other than: your spouse, a person you list as your dependent for income tax purposes, or one of your children under age 19. • Cost of care for school-age children through age 12. This includes nursery school expenses, even if the school also furnishes lunch and educational services. Educational expenses for a child in kinder- garten or higher are not considered expenses for care. If dependent is in kindergarten or higher, the cost of schooling must be separated from the cost of care. • A dependent care center or child care center (if the center cares for more than six children, it must comply with applicable state & local regulations). NOTE: If you participate in the Dependent Care Spending Account, the IRS will require you to report the Social Security number or Taxpayer Identification number of your provider on your federal income tax return by completing Form 2441. • A housekeeper, au pair, or nanny whose services include, in part, providing care for a qualifying dependent. • Day care costs while in day camps • Before/after school care • Preschool or nursery school • FICA and FUTA taxes
2 Via “Flex Administrators Mobile”, our mobile app available for your phone or tablet, available at the App Store, or Google Play. Mobile App login is the same as website login. 3 E-mail your Claim to: claims@flexadministrators.com* 4 Submit via Fax at 616-454-6090* 5 Submit via Mail at*: Flex Administrators, Inc. 3980 Chicago Drive, Suite 230 Grandville, MI 49418 *If you choose to file your claim via email, fax or mail, please use a Request for Reimbursement Form.
For Apple iOS
For Android
Also, please note we cannot accept Word (.doc, .docx), Excel (.xls, .xlsx), TIF (.tif) or Photoshop PSD (.psd) file types as attachments for claims submissions. In order to ensure claim receipt, please submit attachments as either an Image (.jpg) or Adobe Acrobat (.pdf) file type. If you submit a claim by email you will receive an email response verifying that your claim was received. CLAIM PROCESSING TIME PERIOD: 2 Business Days from time claim is received. (This includes processing documentation requested for Flex Administrators VISA Card Transactions.)
The Internal Revenue Service places limits on the amount of money that can be paid to you in a calendar year from your Dependent Care Spending Account. How Much Can I Contribute to the Dependent Care Spending Account?
Things to Consider For help making your election, consider the following questions. • How much have I spent for myself and my dependents on out-of- pocket medically related expenses in the past 12 months? • How much will I spend for ongoing medical expenses next year? • Am I better off having dependent care expenses paid through the Dependent Care Spending Account or taking the child care tax credit? • Does my spouse also contribute to a Dependent Care Spending Account? The maximum amount any one family can contribute during a calendar year is $7,500. • Do I understand that I cannot take a federal income tax deduction for expenses I am reimbursed for from my Dependent Care Spending Account? • If you or any member of your family is enrolled in a high deductible health plan with an HSA, you may be limited in your participation of the medical FSA plan. Be conservative in estimating your plan year contribution. You may not claim any other tax deduction under this Plan, although the balance of your eligible dependent care expenses may be eligible for the dependent care tax credit. The Dependent Care Spending Account is generally more advantageous than taking a federal tax deduction if you fall into general annual salary categories based on how you file your federal income tax and your adjusted gross income. See the dependent care worksheet that compares the tax credit to the Dependent Care Spending Account plan. Legal Requirements of the Plan 1 Binding Contribution: When a participant signs up to make a contribution, the amount decided upon is “locked in” unless they incur a “change in status” (explained below). 2 Use-it or Lose-it Rule: Please refer to your plan specifics sheet to determine if this may or may not impact you. 3 “Advance Reimbursement” applies only to the Health Care Spending Account and allows a participant to be reimbursed up to the maxi- mum of their plan year election prior to their full year contribution. Ways to Manage Your Account “Flex Administrators Mobile” is Available on the App Store & Google Play The app lets you view balances, claims and card
How Much Do I Really Save in Taxes Using This Account?
Without Flex
With Flex
AnnualSalary.. . . . . . . . . . . . . . . . . . . $40,000 Health Care or Dependent Care SpendingAccount.. . . . . . . . . . . . . . . . . . -0- Taxable Salary (W-2 Income) . . . . . . . . 40,000 Federal Tax (15%). . . . . . . . . . . . . . . . . . 6,000 State Tax* (4%). . . . . . . . . . . . . . . . . . . . 1,600 Social Security Tax (7.65%). . . . . . . . . . . 3,060 TotalTaxes.......................10,660 After-Tax Out-of-Pocket Medical Expenses. . . . . . . . . . . . . . . . 2,500 Annual Take-Home Pay . . . . . . . . . . . . $26,840 Annual Tax Savings with Flex Plan . . . . . . . . . Spending Account Deduction
$40,000
-2,500
37,500 5,625 1,500 2,869 9,994
-0-
$27,506
$666
Your Tax Savings
* Taxes may vary by state. ** R eimbursement is through W-2, not reimbursed as an expense through third party administrator.
Can I Change My “Plan Year” Election? Generally, no. You may not change your contribution during the plan year, unless you have an IRS “change in status,” and the change in your contribution is “due to and on account of” the change in status. The IRS defines a change in status as: 1 Change in employee’s legal marital status – including marriage, divorce, death of spouse, legal separation, and annulment. 2 Change in number of dependents – including birth, adoption, placement for adoption, and death. 3 Change in employment status – Any of the following events that change the employment status of the employee, the employee’s spouse, or the employee’s dependent qualify: a termination or com- mencement of employment; a strike or lockout; a commencement of or return from an unpaid leave of absence; and a change in work site. 4 Dependent satisfies (or ceases to satisfy) dependent eligibility requirements – an event that causes the dependent to satisfy or cease to satisfy the requirements for coverage due to attainment of age, gain or loss of student status, marriage, or any similar circumstances. 5 Residence change – a change in the place of residence of an employee, spouse, or dependent (if the residence change affects the employee’s eligibility for coverage). You can also change your contribution to the dependent care account during the plan year in the following situations: • When the dependent ceases to qualify as a dependent (for example, the child reaches age 13); • When the employee switches to a new dependent care provider; and, • When the cost of the dependent care expense increases or decreases. However, a mid-year election change due to cost is not allowed where the dependent care provider is a relative of the employee. If a change in status occurs, you must inform your employer of your new election within 30 days of the occurrence. Have Questions? Email us: Service@Flexadministrators.com
transactions as well as submit a claim! No more faxing receipts! You can file a claim directly from your mobile device with a photo of the receipt. You can check account balances 24/7 securely since no information is stored on the mobile device. Online Claim Filing You have the option to enter your claim on our website and then upload your receipts without having to mail
or fax anything to our office! Simply log in to your account and choose REIMBURSE MYSELF. From there the website will walk you through entering your claims information and then uploading your receipts. Check Balances, Reimbursement Status, and get Answers to Your Questions at www.flexadministrators.com Check your balances, see your last reimbursement and get answers to your questions by logging into your account at www.flexadmin- istrators.com.
Flex Administrators 3980 Chicago Drive, Suite 230
Grandville, MI 49418 PHONE: 616.456.7908 Outside of 616 area code: 800.968.3539 www.flexadministrators.com
FSA Brochure 2026
Flex Administrators Visa Debit Card 101 Following the steps below will make using your Debit Card easy.
4036 12/26 4036 1234 5678 9010 GOOD THRU
DEBIT
BEN SMITH
1
Activate Your Debit Cards
4
You can activate your debit cards by calling the toll-free number located on the activation sticker on the front of your flex card or by visiting the website on the back of the card.
Check Your Email You may be required to support a purchase. If documentation is requested, you will receive a request
Log Into Your Account Any Time Access your account with the online portal or the Flex Administrators Mobile App at any time to check your balance, view required tasks, submit receipts, and more! You may also call Flex Administrators at (616) 456-7908 from Monday-Friday 8:30am - 5:00pm EST and speak with our receptionist who will assist you with questions, or connect you with your account manager for further assistance. via email only, 1-2 days following your debit card swipe. You will have 30 days from the date of the first emailed request to submit your documentation. If it is not received at the end of 30 days, your debit card will automatically be suspended until either the documentation is submitted or a repayment is made to your account. Please see your Flex Administrators brochure for instructions on how to submit documentation.
2 3
Use Your Flex Card to Pay
Use your Flex Administrators VISA card when paying for eligible medi- cal, dental, vision or dependent care expenses. Your eligible expenses will be determined by your plan design.
Save Your Statements You may be asked to submit docu- mentation to verify that your expenses comply with IRS guidelines. Each itemized statement must show: the provider/merchant’s name, the service received or items purchased, the date of service/purchase, and the amount charged for the services/items purchased. You may also submit an Explanation of Benefits (EOB) from your insurance provider to support your debit card purchases.
The other side of this sheet contains answers to the most frequently asked questions.
Flex Administrators Debit Card FAQs
6 If Asked, Should I Select “Debit” or “Credit”?
If the you have elected to use a PIN (Personal Iden- tification Number) with
1 Is the Flex Card Just Like Other Visa ® Cards? No. The Flex Card is a special-purpose Visa Card that can be used only for eligible health care/benefits expenses. It cannot be used, for instance, at gas stations or restaurants. There are no monthly bills and no interest. 2 How Many Flex Cards Will I Receive? You will receive two Cards, both in the participant’s name. An eligible Dependent can use the other card by signing the back. 3 Will I Receive a New Flex Card Each Year? No, you will not receive a new Card each year. The Card will be loaded with the new annual election amount at the start of each plan year or incrementally with each pay period, based on the type of account you have. If you have a card that will expire, new cards will automatically be requested and mailed for you with adequate time to be received before the current card expiration date. 4 What if the Flex Card is Lost or Stolen? Contact Flex Administrators at (616) 456-7908 or email service@flexadministrators.com. Report a Card lost or stolen as soon as you realize it is missing, so your card can be canceled and a replacement card can be issued. There may be a fee for replacement cards. 5 How Much is on the Flex Card When it is Activated? For Health Care FSAs, your annual election amount will be loaded onto the card. Some other types of accounts, like HSAs and HRAs, are funded incrementally at each pay period, so it is especially important to be aware of your account balances in order to avoid having your Card declined at the point of service. When you incur an expense that is greater than the amount remaining in your account, you may be able to split the cost at the register. (Check with the merchant.)
your Flex Card, you should select “Debit” and enter the PIN when prompted. If you are not using a PIN with your Flex Card, you should select “Credit” and you will be asked to sign for the benefit card purchase. You cannot get cash with the Flex Card. 7 How Will I Know to Submit Receipts to Verify a Charge? You will receive an email from our automated system if there is a need to submit documentation. All documentation should be saved per the IRS regulations. 8 Will Supporting Documentation Be Required for All Purchases Made with the Flex Card? No. Typically purchases made at major pharmacies and/ or copay amounts from your group’s medical health plan will auto-process – meaning you will not need to turn in supporting documentation. However, if automated process- ing is unable to approve a transaction, the IRS requires that either an itemized statement or Explanation of Benefits be submitted to validate the expense. These notifications will be sent by email.
Get the Free “Flex Administrators Mobile” App By Pointing Your Camera at the QR Code
For Apple
For Android
Flex Administrators 3980 Chicago Drive, Suite 230
Grandville, MI 49418 PHONE: 616.456.7908 Outside of 616 area code: 800.968.3539 www.flexadministrators.com
Flex VISA 2026
EMPLOYEE DISCOUNTS Save money on things like...
Cell Phone Bills Travel Expenses A Healthier You ...and more!
Questions?
Call HR at 1.800.444.3121 ext. 1310 Email HR at HR@autowares.com Send a Helpdesk Ticket to Help@autowares.com
03/25 REV
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