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.

Making Spending Accounts Simple

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.
Making Spending Accounts Simple

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
view more options view other options
Add ons

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.

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 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
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*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

Convenient access

Our app lets users view and pa ybalances, manage debit cards, see recent transactions, and more — all from their phones.

employee alerts

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.