What is MERP? 

MERP is a Flexible Spending Account (FSA). It is a pre-tax benefit account that can be used to pay for eligible medical, dental, and vision care expenses that aren't covered by your insurance plan or elsewhere. 

How Does MERP Work? 

  • Begin by estimating your eligible, out-of-pocket health care expenses for the upcoming year.
  • Use your estimate to enroll in MERP.
  • The money you elect will be deducted from your paycheck on a pre-tax basis. 

Important Facts about MERP

  • MERP funds can be used eligible out-of-pocket expenses for yourself and/or your dependents (spouse and eligible children). Domestic Partners are not considered eligible dependents under federal law; therefore you cannot claim their expenses (unless they are a "qualifying relative"). 
  • The minimum annual election goal for MERP is $240, while the maximum is $2,550. *Increasing to $2,600 for 2018.
  • You have access to the total goal you have elected for MERP on Jan. 1 of the plan year.
  • New participants will receive a “Benny” debit card in the mail, which can be used for out-of-pocket MERP eligible expenses. Previous MERP participants should already have a Benny card.
  • Up to $500 in unreimbursed funds will automatically be carried over for use in the next plan year. Please note: funds in excess of the $500 rollover limit are subject to the “use it or lose it” rule. 

What are some examples of MERP-eligible expenses? 

Deductibles
Copays
Prescription medications
Glasses
Bandages
Certain dental expenses

Review the list of eligible expenses on the PacificSource Website

When can I sign up? 
New hires can sign up within 31 days of employment.
Every Open Enrollment period (Oct. - Nov.) you can sign up for MERP/DCAP for the following plan year. 
You may also be able to change or enroll during the plan year due to certain qualifying events (new baby, marriage, some job changes).


MERP Forms

FSA MERP/DCAP Enrollment Form

FSA MERP/DCAP Change Form

FSA MERP/DCAP Reimbursement Request Form

FSA Direct Deposit Form

FSA Letter of Medical Necessity Form

MERP Documents and Information

Guide to MERP

FSA MERP OB Guidelines

FSA MERP Ortho Guidelines

FSA MyFlex Online Claims Instructions

Benny Card Flier


For more information, email employee.benefits@multco.us or call 503-988-3477.

PacificSource Administrators
Customer Service:  Toll Free 800-422-7038  --  http://psa.pacificsource.com/PSA/