From Frustration to Trust: How Responsible AI Is Reshaping Benefits Reimbursement

15 Jun

2026’s Top 10 Employee Benefits Trends: What Employers Need to Know

Employee expectations continue to evolve, and in 2026, benefits are about much more than traditional health coverage. Today’s workforce is looking for personalized experiences, intuitive technology and benefits that support every aspect of their lives. For employers, staying competitive means adapting benefit strategies to meet these changing needs. Here are 10 key employee benefits trends...

10 Jun

5 Smart Ways to Reduce Healthcare Expenses

5 Jun

How Does an FSA Work for Participants?

2 Jun

Health Savings Account (HSA) Contribution Limits Increase for 2027

Key takeaways – 2025 HSA contribution limits The Internal Revenue Service (IRS) has announced updated Health Savings Account (HSA) contribution limits and High-Deductible Health Plan (HDHP) requirements for 2027. These annual adjustments allow individuals and families to set aside additional tax-advantaged dollars for qualified healthcare expenses. 2026 & 2027 HSA Contribution Limits Coverage Type 2026...

13 May

GLP-1 HRAs

Medical cost trends have risen by 10% since 2022. But the cost trend for Rx is over 17% for the same period. Much of this increase in Rx is due to exploding sales for GLP-1s (such as Ozempic, Wegovy, Zepbound and Rubelsus) for use as weight loss drugs, driving costs to unsustainable levels for both...

22 Apr

Your Dental Expense Eligibility for an HSA or FSA

Dental expenses can be a significant financial burden, especially when unexpected dental procedures arise. For those who have health savings accounts (HSAs) or medical flexible spending accounts (FSAs), there are opportunities to save money on these expenses. We answer a few common dental-related questions as it relates to your HSA or medical FSA. Can...

10 Apr

Six Things to Know if You’re a First-Time Medical FSA Participant

Did you recently elect to participate in a medical flexible spending account (FSA)? If you’re a first-time medical FSA participant, you may not be familiar with FSA definitions and rules. We’ve provided a list of the top things a first-time medical FSA participant should be aware of to take full advantage of their FSA. ...

25 Mar

Your HSA and Your Tax Return – Four Tips for Filing

The season for filing taxes is upon us once again. We’re getting closer to the deadline for filing for 2025. We wanted to share a few tips and reminders about the health savings account (HSA) information you’ll need for your tax return. These will help you get organized and prepared for easy and successful filing....

Flex Spending Accounts

What is a Flex Plan?

A Flex Plan allows a participant to set aside dollars each year from their paycheck to pay for qualified health and dependent care expenses through a Section 125 Cafeteria Account. These dollars are deducted from wages before any income or social security taxes are paid. By using this tax savings plan, participants will notice an increase in take home pay and have access to a reimbursement account throughout the year to pay for qualified expenses. Employers will not have to pay FICA or FUTA taxes on dollars run through the plan. Additionally, employers have the option of adding on a defined contribution plan set-up and an online enrollment tool.

Flex Links

FSA EV1 Video

Prepaid Benefits Card

Mobile App Overview

Mobile App Receipt

Dependent Care 1

Dependent Care 2

Medical FSA

Limited Medical FSA

Post Deductible FSA

Elected Benefits in a Flex Plan

Health Flexible Spending Accounts (Health FSA) allow participants to set aside dollars for qualified out-of-pocket health care expenses, up to a maximum contribution amount set by the employer. Funds are available on day 1 of the plan year and can be used to pay eligible expenses for the employee, spouse and dependents.
Dependent Care Assistance Program (DCAP) allows participants to set aside dollars for children (under age 13) or adult day care so that the participant may work. The IRS sets the annual maximum contribution amount for the DCAP account.
Limited Health FSAs including Dental, Vision, and Post Deductible Expenses.
Other common plan components include Premium Deductions and Health Savings Accounts.

Our Administration Services

Any administrator can propose a plan, but we take our administration the extra mile for you and your employees by providing superior customer service. Advantage Administrators provides the following services for our Flex Plans.

Documents – SPD, Plan Document, and required notices and forms
On-Site Employee Education and Participant Enrollment
On-line Enrollment Platform
Plan Extensions – 90 Day Run-Out Period with optional Grace Period and $500 FSA Rollover
Debit Cards
Mobile App for Apple or Android
Claims Administration
- Claims submission via Mobile App, Online Portal, E-mail, Fax, Mail or Drop-Off
- Reimbursements processed daily
- Reimbursement by Direct Deposit, Check, or Debit Card
- E-Mail and text notices of account activity and monthly statements
Employee Account Access
- Available 24/7/365 via Online Portal
- Available 24/7/365 via Mobile App
- Customer Care Department Open Mon-Fri 8:00-5:00
Discrimination and Compliance Testing and Form 5500 if required
Plan Amendments
- Required by Law – Free of Charge
- Employer Requested – Nominal Fee
Legal and Legislative Issues
- Special Memos, Seminars and Roundtables as required

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