A spending account experience made easy.
Spending accounts are a great way to help your employees save money on qualified medical expenses. And having your health plan and spending accounts in one place makes life easier — for you and your team.
We make spending accounts simple for you
Let's streamline your health care solutions. Integration means that your company can get personalized help with your health plan and spending accounts from one team.
- Get a one-on-one consultation at implementation to make sure everything is set up according to your business goals.
- Manage both your health plan and spending account administration from the same website.
- Quickly and accurately set up Health Savings Accounts, Flexible Spending Accounts, and Health Reimbursement Arrangements.
- Get ongoing support from a dedicated team whenever you need it.
...and your members
Your employees can also get a more streamlined health solution. Not only can they manage both their spending account and health plan in one place, but integration also makes paying claims easier.
- Medical claims are automatically and accurately fed to their accounts.
- Payments can be made directly to providers or they can submit the claim themselves — no substantiation required.
- Debit card transactions are auto-substantiated for amounts equal to single or multiple copays coded during client set-up.
- Debit card transactions are systematically matched to available claims for auto-substantiation when possible.
Find your spending account match
Every health plan should be paired with a spending account. This chart will help you find the right spending account for your business.
| Health Plan Type | Employee Premium/Deductible | Employee Out-of-Pocket Expense | Spending Account Pairing |
| Qualified High-Deductible Health Plan | Low/High | Higher | Health Savings Account + Limited Purpose Flexible Spending Account |
| Traditional Plans | High/Low | Lower | Flexible Spending Account and Health Reimbursement Arrangement |
| Traditional Health Plan w/ higher deductible | Low/High | Higher | Flexible Spending Account and Health Reimbursement Arrangement |
Great Add-ons to Any Health Plan
These spending accounts can be paired with any plan to help your employees pay for qualified transportation, child care, and even some adult care expenses.
- Dependent Care Flexible Spending Account
- Commuter Benefits Account
Spending Accounts: What's the Difference?
To see how different spending accounts are used, check out this chart.
| HSA | HRA | FSA | |
| Pay for deductibles/coinsurance/copays | Yes | Yes | Yes |
| Pay for dental/vision/presctiptions | Yes | Yes | Yes |
| Pay for dependent care | No | No | Yes |
| Account owned by | You | Employer | Employer |
| Invest money for future expenses | Yes | No | No |
| Funded by | You* | Employer |
You* |
| You are required to have a Qualified High-Deductible Health Plan |
Yes | No | No |
| Money is transferable if you change jobs/change plans/retire |
Yes | No | No |
| Can reduce your taxable income |
Yes | No | Yes |
| Debit card available | Yes | Yes | Yes |
*Employers may choose to contribute. The IRS sets different limits on contributions to HSAs and FSAs.
Give your employees what they want
Your employees will thank you because our spending account experience gives them:
Convenient access
Our app lets users view and pa ybalances, manage debit cards, see recent transactions, and more — all from their phones.
Alerts on their terms
Employees can choose tex tor email alerts to easily manage their account.
Fast & accurate answers
If they have questions about their health plan or spending accounts, they have only one number to call to get help.
Want to know more?
Your Highmark representative can tell you everything you need to know about spending accounts and how they help you and your employees save on health care.
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The information contained on this website regarding the Patient Protection and Affordable Care Act of 2010 (“PPACA”), as amended, and/or any other law, does not constitute legal or tax advice and is subject to change based upon the issuance of new guidance and/or change in laws.
The information provided is intended to provide general information only and does not attempt to give you advice that relates to your specific circumstances. State laws and regulations governing health insurance and health plans may vary from state to state. Further, any information regarding any health plan will be subject to the terms of its particular health plan benefit agreement and some health plans may not be available in every region or state.