Premium Pre-Tax and Flexible Spending Plans


Southern Administrators and Benefit Consultants, Inc. (SABC)

Contact Information

P.O. Box 2449
Madison, MS 39130-2449
1-601-856-9933 or 1-800-844-2555
Fax: 1-601-856-8088
Submit Claims Online:
(The SABC web portal is convenient and secure.)


Benefits-eligible employees


Plans offered are Premium Pre-Tax and Flexible Spending Accounts, Careflex and Mediflex. If you participate in the Premium Pre-Tax or Flexible Spending Account Plans, you may not change the amount of your monthly deductions during the plan year (January through December), unless you experience a family status change and make your change within 60 days of your qualifying event. Participation in the Flexible Spending Account Plans require all reimbursements to be made via direct deposit.

Premium Pre-Tax

The Premium Pre-Tax plan allows employees to pay for certain benefit deductions with pre-tax dollars rather than after-tax dollars. Insurance premiums available for pre-tax are:

  • State and School Employees' Health Insurance Plan
  • Aflac Cancer and Intensive Care Plans
  • Dental Plan
  • State and School Employees' Life Insurance Plan
  • Accidental Death and Dismemberment Plan
  • Vision Plan


The Careflex plan (Dependent Day Care) allows employees to set aside up to $5,000 per calendar year for dependent day care expenses to be paid for with pre-tax dollars.


The Mediflex plan (Unreimbursed Medical Expenses) allows employees to set aside up to $3,200 (for 2024) per calendar year for unreimbursed qualifying medical expenses to be paid for with pre-tax dollars.

Mediflex participants also have the option to sign up for a debit card to be used for prescription drug purchases as well as all eligible medical, dental and vision expenses. There is no employee related charge for this debit card.  Please note that when a participant uses the card, they are required to validate the expenses in most cases, after the fact.  There are follow-up requirements and/or tax consequences for those that use the card for ineligible purposes.  When the card is used, it only knows that the merchant is a medical, dental, vision and/or prescription drug facility.  Except for major pharmacies, the card does not know the eligibility of the expense (old bill, ineligible expense or dependent.)