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Now offering InstaPay4Care — Clock out & get paid instantly!

Benefits for Caregivers working in New York City

For benefits questions, call 929-227-4392 or email

For questions about timesheets, permanent schedule changes, the FreedomCare app, and your paychecks, please call your coordinator.

Caregiver Favorites


InstaPay4Care is an optional feature that allows you to choose to have early access to approved pay that you have earned. InstaPay4Care is not an advance.

How does it work?

  • Work your scheduled shift and clock out on time after your visit.
  • Submit your daily timesheet.
  • A popup will appear that says InstaPay Available. To get paid for that visit right away, tap Yes.
  • To agree to the Terms and Conditions tap on Caregiver’s Signature.
  • Sign and tap Redeem Visits. You are all set! In less than 10 minutes, most of your pay for those visits will appear on your RapidCard.

The rest of your pay is withheld for taxes and deductions. This is an estimate of what we expect your payroll taxes and deductions to be based on your previous paychecks. If there is any pay leftover after taxes and deductions, it will be added to the next payroll.

How do I make sure my visits are eligible for InstaPay?

You must clock in and out on time to make a visit eligible for Instapay. There is no extra cost to receive InstaPay.

You can view your visits that are eligible for InstaPay4Care by going to the FreedomCare app home screen, then tapping on My Payroll then InstaPay.

Watch these videos to see how it’s done!

Clock out + InstaPay4Care: Watch now,
InstaPay4Care: Watch now,

Can I get InstaPay for more than one visit?

Yes! You may have more than one visit that is eligible for InstaPay. If so, you can get InstaPay for each of those visits.

Is there a fee to receive InstaPay?

No, there is no cost to receive InstaPay.

If there is any pay leftover after taxes and deductions, when will I receive it?

If there is any pay leftover after you redeem your InstaPay4Care visits, it will show on your paycheck the following week.

For example, if you worked on Monday, January 11th and Wednesday, January 13th and you redeemed InstaPay4Care for those two visits, the rest of your pay will appear on your paycheck that you receive on Friday, January 22nd. This is because you are paid every Friday for the prior week. For example, your paycheck that you receive on Friday, January 22nd is for the week of Sunday, January 10th to Saturday, January 16th. Please see the visual below.

Health Insurance

Depending on how many hours you work, you can get high-quality health insurance the day you start working with FreedomCare! Health insurance is through Total Plan Concepts (TPC) using the MagnaCare PPO plan.

Is there a premium?

There is no premium, so you will not have to pay a monthly or weekly fee for health insurance, but you will still have to pay copays and may need to pay a deductible and coinsurance.

Which health plan do I have?

The plan that you receive depends on how many hours you work. If the number of hours you work changes, your health plan may change.

There are 9 different plans that you may be enrolled in:


Monthly Wage Parity

Plan A


Plan B


Plan C


Plan D


Plan E


Plan F


MEC Plan


Dental Reimbursement & Vision Plan


Vision Plan


To find out which health plan you are on, call Total Plan Concepts at (800)-507-1433 or log into

For more information on each plan, please review the Benefits Plan Brochure here.

Can I add my child to my health plan?

You can add your children (ages 26 and below) to your health insurance plan during any of the following times:

  • within 90 days of your start date at FreedomCare (coverage will start the same day as yours)
  • if you have a qualifying life event
  • during open enrollment

If you choose to add your children to your health plan, they would be enrolled in the same medical plan level as you have each month. They would also receive the vision plan, but they would not receive the dental or gym reimbursement.

The cost per week to add your children to your health plan is outlined below.


Weekly Cost for Children

Plan A


Plan B


Plan C


Plan D


Plan E


Plan F




To add your children to your health plan, complete the Group Benefit Enrollment Form and email it to or fax it to (347)-230-5491.

Can I add my spouse to my health care plan?

You cannot add your spouse to your plan.

Dental Reimbursement Plan

If you qualify for the Dental, Gym, and Vision Plan or any plan above it, you will receive the Dental Reimbursement Plan. On this plan, you can see any dentist you would like to see! When you see your dentist, you will need to pay the bill for your dental visit and then submit for reimbursement. 

For reimbursement, email with your full name, member ID (on your insurance card), and your receipt (which needs to show the date of service, the services and/or items purchased, and the cost). Or you can fax that info to 347-230-5463.  

Once received and processed, you will receive a reimbursement check in the mail from Total Plan Concepts. 

You will be reimbursed based on the Dental Fee Schedule on page 5 of the Benefits Plan Brochure.

Health & Wellness

  • Twice a year, you will receive a different care package from FreedomCare with lots of fun FreedomCare giveaways!
  • If you get paid for working 40 hours or more each month, you can receive a wellness allowance of $750 up to two times each year to use toward wellness- and nutrition-related purchases. Find out more here.
  • If you are on Plans A through F or the MEC Plan, you can get up to $400 back each year if you belong to a gym! For reimbursement, email your gym payment receipts to You must write your full name and Member ID (on your insurance card) on your receipts. Once received and processed, you will receive a check from Total Plan Concepts.

Cell Phone Reimbursement

You can get up to $40 per month for your cell phone bill if you get paid for working 40 hours in that same month. Starting June 1, 2021, you can get up to $50 per month for your cell phone bill.

To submit for reimbursement, just complete the Claim Form here. Make sure you fill out a new form for each month that you are eligible. You have 90 days from the end of each month to submit for reimbursement, but you must wait until the 15th of each month to submit for the previous month’s expenses. For example, for expenses you had in July, you can submit for reimbursement between August 15th and October 29th. 

No need to submit anything to FreedomCare; all reimbursements will go through Flex Facts.

For questions, call Flex Facts at 8779432287.

More Benefits

Medical and Counseling Services

  • Feeling sick and need to speak with a health provider? Just tap on the Speak To a Health Provider button on the home screen of the FreedomCare app. If you don’t have the app, use this link: This service is available to you and your patient at no cost, Monday-Friday from 9 a.m. to 6 p.m. ET.

  • Feeling down or stressed? If you would like a listening ear or emotional support, you can call a licensed therapist at 1-800-433-2320, or text a therapist at 503-980-1777. This is a free service for FreedomCare caregivers and anyone who lives with you. A therapist can help with:

    • 24/7 Crisis Counseling

    • Work/Family Balance

    • Depression or Anxiety

    • Financial or Legal Questions

    • Community Support (Child care, pet grooming, housing and home care, family counseling, will kit)

    • Grief Counseling

    • And more!

Hospital Claims Review Service

ELAP is a healthcare solution provider that comes with your health insurance benefit. ELAP will audit bills that you receive from hospitals, outpatient surgery centers, and skilled nursing facilities to make sure that you are not being charged for excessive markups that are often seen on facility bills. So, when you receive hospital bills that don’t look quite right (i.e., it looks like they were overcharged for services), send your bills to ELAP, and ELAP will ensure that you are only being billed for services performed and nothing more. For more information, click here

Vision Plan

You get the vision plan no matter how many hours you work! You get one eye exam per year and up to $400 back each year, depending on what plan you have, to cover the cost of lenses, frames, or contacts.

How do I schedule an eye exam?

For eye exams, you must see an eye doctor who is in the MagnaCare network. Please call Total Plan Concepts at (800)-507-1433 to get a list of eye doctors in your area who are in the MagnaCare network. You will only need to pay a $10 copay for your eye exam.

How do I get reimbursed for lenses, frames, and contacts?

You may get your lenses, frames, and contacts, from any store or vendor you wish! You will just need to pay in full first and then you can submit for reimbursement. To submit for reimbursement, email or fax (347)-230-5463 the following info:

  • your full name
  • member ID (on your insurance card)
  • your receipt, which needs to show the date of purchase, the services and/or items purchased, and the cost

Once received and processed, you will receive a reimbursement check from Total Plan Concepts.

Sick Time

You can get up to 56 paid sick hours per year. Your sick hours start accruing right after you start working. You get 1 sick hour for every 30 hours you work, up to 56 hours per year. If you are sick and cannot make it to work, you may take 1 paid sick hour for every hour that you are scheduled to work that day as long as you have accrued enough sick hours.

You may begin using paid sick time 120 days after your first workday. To take your sick time, you must call your Care Coordinator.

You cannot take more than 56 paid sick hours per year. If you don’t use your paid sick hours, you can roll over up to 56 hours of sick time to the next year for 1 year. If you need to take more than 56 sick hours in a year, you can sign up for Paid Family Leave or Family and Medical Leave, depending on your situation.

Holiday Pay

Holiday pay is an extra $2 per hour on top of your hourly pay rate for hours you work on these holidays!

  • New Year’s Day
  • Memorial Day
  • 4th of July
  • Labor Day
  • Thanksgiving Day
  • Christmas Day

To receive holiday pay, you must be scheduled to work on the holiday, and you must work on the holiday.

If you work on the holiday, but you are not scheduled to work that day, you will not receive holiday pay for that day.

If you work more hours on the holiday than you are scheduled for, you will only be paid for the hours that you are scheduled to work.

If you were scheduled to work on the holiday and you call out sick that day, you may use available paid sick time, but you will not receive holiday pay for that day.


Overtime refers to any hours that you work over 40 hours in a week. You get paid time and one half per hour when you work over 40 hours in a week.

NYS Paid Family Leave

In accordance with New York State Paid Family Leave, FreedomCare provides job-protected paid leave to bond with a new child, care for a loved one with a serious health condition, or help relieve family pressures when someone is called to active military service.  

If you have a regular schedule of 20 or more hours per week, you may apply to take Paid Family Leave after 26 weeks of employment.

If you have a regular schedule of less than 20 hours per week, you may apply after 175 days worked.

If you have a foreseeable situation, you must notify FreedomCare at least 30 days prior to when you need to go on leave. If the event is not foreseeable, you must notify FreedomCare right away.  

To apply for Paid Family Leave, contact your FreedomCare Coordinator.

Retirement Plan or 401(k)

FreedomCare offers a 401(k) plan, also known as a retirement plan, that you can contribute to 90 days after your start date. FreedomCare matches 100% of your contributions to your 401(k) plan up to 3% of your pay and will match 50% of any contributions above 3% to a maximum of 5% of pay. 

For example, if you contribute 3% of your pay to your 401(k) plan, FreedomCare will contribute the same amount to your 401(k), free of charge. 

If you contribute 5% of your pay, FreedomCare will contribute another 4%, free of charge. The funds FreedomCare contributes vest immediately.

To sign up and enroll:

To sign up for the 401(k) plan, first create an account with Principal Financial by following these steps: 

Then learn how to enroll by watching this video or contacting the Orenda Sponsor Service Team at (212) 564-2464 or

Before enrolling, please note:

  • Enrolling in a retirement plan may impact what health insurance plan you are eligible for. Please contact FreedomCare Wellness at (929)-227-4392 for more information.
  • To withdraw funds from your retirement account, you must pay a 20% mandatory tax withholding. If you are younger than 59 ½, an additional 10% early distribution penalty is applied.
  • The retirement plan does not allow for loans.

Health Reimbursement Arrangement (HRA)

If you are on a medical plan with FreedomCare (plans A through F and the MEC plan), you will receive a Health Reimbursement Arrangement (HRA) plan. An HRA provides monthly funds that you can use to pay for certain medical expenses.

How does the HRA work?

The HRA plan is active as of August 1, 2021. A card, similar to a debit card, will be mailed to you when you become eligible for the plan. You'll receive a mailer like this one with your card.

You will receive $100 on a card each month that you are on a medical plan with FreedomCare. The funds will be deposited directly onto the card, and you can swipe the card just like a debit card when paying for medical expenses.

What can I use my HRA card for?

You can use your HRA card for dental, vision, medical, pharmacy, and over-the-counter medicine expenses including:

  • Any leftover expenses for glasses or contacts that you were not reimbursed for
  • Any leftover dental expenses that you were not reimbursed for
  • Medical and prescription co-pays
  • Medical bills you paid out of pocket for
  • And more

You can find a full list of qualifying medical expenses here.

Note that not all pharmacies accept the HRA card. It's best to use national chain pharmacies like CVS and Walgreens when using the HRA card.

How do I file a reimbursement claim?

If you are not able to use your card when you receive the service, you can submit a reimbursement claim by filling out this form and emailing it, along with the bill or explanation of benefits, to Flex Facts at

You have from January 1st to March 31st to submit claims from the prior calendar year. 

Note: Even if you use your card to make purchases, hold onto your receipts. You may be asked to submit receipts for certain claims.

Do HRA funds roll over?

HRA funds never expire. The funds will always be available on the FlexFacts card. For example, leftover funds from 2021 could be used to cover an expense you have in December of 2022 if you submit that expense for reimbursement before March 31, 2023.

HRA funds can be used the following month even if you are not eligible that month. For example, if you were enrolled in a FreedomCare medical plan in November but not in December, and had HRA funds leftover from November, you could use those funds in December.

For more information:

View the Summary Plan Description here

View the Flex Facts Employee Guide here.

For questions, call the Flex Facts at 732-640-5951.

Commuter/Transit Benefits

Sign up for our pre-tax transit benefit! You can choose to set aside pre-tax dollars from your paycheck for mass transit (subway, train, bus, or ferry) and parking expenses associated with your daily commute to and from your patient’s home. The maximum amount you may set aside per month is $265.

To sign up, complete the Enrollment Form and fax it to 347-338-1404 or email it to

Please note, this is not a reimbursement.

Childcare Reimbursement

You may get up to $200 back each month for childcare if you work 40 hours or more in a month and pay for childcare in that same month, as long as your children are under age 13.

To submit for reimbursement, complete the Claim Form. You will need to provide the name, email address, and Tax ID of the childcare provider. The Tax ID is the same as the child care provider’s social security number. Once you fill out the form and sign it, the form will be automatically emailed to the childcare provider to sign. Then it will be emailed to Flex Facts to process. 

You have 90 days from the end of each month to submit for reimbursement, but you must wait until the 15th of each month to submit for the previous month’s expenses. For example, for expenses you had in July, you can submit for reimbursement between August 15th and October 29th.

No need to submit anything to FreedomCare; all reimbursements will go through Flex Facts. For more info, view the Dependent Care Guide here. For questions, please call Flex Facts at 8779432287.

Credit Monitoring & Repair

Sign up for credit repair and credit monitoring at no cost to you!

Credit monitoring keeps a daily watch on your credit report, flagging new activity or suspicious activity that is then sent to you as an alert. Credit monitoring can give you a jump on response time, reducing the amount of time between fraud occurring and getting in touch with your bank or a fraud specialist. Essentially it keeps fraud from going unnoticed.

Credit repair can help fix or remove certain charges that may be bringing your credit score down. To offer this service, we have partnered with creditZO, a leading provider of credit repair services, to help increase your credit score and protect your identity.

To sign up, click here

If you leave FreedomCare, you will no longer be able to receive this benefit for free.

Facebook Support Group

Join our FreedomCare Caregivers Support Group on Facebook! The group is a community forum for you to talk openly about your caregiving experience and receive support and encouragement from other caregivers. It’s a place to share your experiences, challenges, and guidance with others who will understand.

To join, click here and select +Join Group. We will approve your request shortly!

Please note, only actively working FreedomCare caregivers can join this group, and you must have a Facebook account to join. Be sure to answer all the membership questions and include your legal name if it’s different from your Facebook name. Otherwise, we cannot accept your membership request.

Please be respectful with your posts. We can’t wait for you to join us.

Training & Education

To help you provide the best care for your patient, FreedomCare offers training courses on health conditions your patient may have. The courses are available on the FreedomCare app and include:

  1. Using the FreedomCare Plus App (for iPhone and Android)
  2. Metabolic Diseases (Diabetes)
  3. Chronic Pain
  4. Cardiovascular Diseases (Heart Disease)
  5. UTI - Urinary Tract Infection
  6. COPD
  7. Alzheimer’s/Dementia
  8. Successful ADLs - A Guide to a Safe Living Environment
  9. Sexual Harassment - Basic Training
  10. PPE: Personal Protective Equipment
  11. COVID-19 Training
  12. CPR
  13. First Aid

How do I access the training courses?

  1. Log into the FreedomCare app.
  2. Tap on Training Center. You will be automatically logged into the training center.
  3. Select courses you would like to complete.

See a video of the steps here.

If you have trouble viewing the videos, email

Are the training courses required?

You must take the Using the FreedomCare Plus App and Sexual Harassment training courses to be in good standing.

All other training courses are optional. To help you complete the other courses, FreedomCare will mail you Apple Airpods at no cost to you. Note that to receive the Airpods, you must sign a document stating that you agree to take the courses.

If you need technical assistance using the Airpods after you receive them, you can refer to the manual included with the Airpods or call Apple support.

Employee Handbook

Click here to access the FreedomCare Employee Handbook for caregivers.