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. Below we answer a few common dental-related questions as it relates to your HSA or medical FSA. ...
Rising healthcare costs are a growing concern for employees and employers alike. With premiums, deductibles and out-of-pocket expenses increasing, employees may struggle to afford necessary care. As an employer, you have the power to support your workforce by providing cost-saving solutions and promoting smarter healthcare decisions. Here’s how you can help employees navigate and reduce...
The IRS recently announced the 2026 Limits for HSAs, HDHPs and EBHRAs! Learn more about these limits below! The new 2026 limits are: HSA Annual Contributions Single $4,400 per year Family $8,750 per year HDHP (self-only coverage) $1,700 minimum deductible $8,500 out-of-pocket limit HDHP (family coverage) $3,400 minimum deductible $17,000 out-of-pocket limit EBHRA $2,200 ...
Employee benefits are a critical component of workplace satisfaction and overall wellness. However, traditional benefits programs are often riddled with complexity, making it challenging for employees to fully understand and utilize their options. Simplification is the key to driving better engagement, increasing participation and reducing administrative burdens for HR teams. This is the first part...
Tax season is in full swing and as the April 15 filing deadline approaches, employees are looking for ways to maximize their savings. One often-overlooked strategy? Taking full advantage of pre-tax benefits. These employer-sponsored programs can help you reduce your taxable income and keep more of your hard-earned money. What are Pre-Tax Benefits? Pre-tax...
When it comes to using pre-tax health accounts like health savings accounts (HSAs), flexible spending accounts (FSAs) and health reimbursement arrangements (HRAs), you may assume that all medical expenses are automatically covered. However, certain expenses require additional documentation to be considered eligible. That’s where a letter of medical necessity (LMN) comes in. If you’ve ever...
March is Women’s History Month, a time to celebrate the achievements of women across industries—including finance. While women have made incredible strides in wealth-building and financial independence, there are still areas where confidence lags. One of those areas is investing in health savings accounts (HSAs). Despite their powerful benefits—including triple-tax advantages, long-term savings potential and...
With the 2024 U.S. election potentially leading to significant shifts in employment laws and employee benefits, it’s crucial for employers to stay ahead of changes to maintain compliance. New regulations could affect everything from healthcare policies and labor laws to tax laws, all of which play a key role in benefits administration. Employers who proactively...
February is Heart Health Awareness Month, a time to focus on cardiovascular wellness and encourage employees to take proactive steps toward a healthier heart. Heart disease remains the leading cause of death in the U.S. but the good news is that lifestyle changes, preventive care and employer-sponsored benefits can make a significant impact. By leveraging...
Flex Claim Form [FILLABLE PDF]
Direct Deposit Authorization [ PDF]
Letter of Medical Necessity [ PDF]
Eligible Expenses [ PDF]
Log In – My Flex (consumer/participant) Portal Quick Start Guide [ PDF]
Log In – Eflex (employer) Portal Quick Start Guide [ PDF]
Percentage of Use Form [ PDF]
Capital Expense Worksheet [ DOC]
Debit Card Brochure[ PDF ]
Mobile Application Brochure[ PDF ]
Advantage Administrators HIPAA Privacy Policy [ PDF ]
HSA Brochure[PDF]
HSA DISTRIBUTION REQUEST FORM[PDF]
HCB Investment List – 1.31.2021
Eligible Expenses [ PDF]
Post-Deductible FSA Expense Reimbursement Certification Form [ PDF]
Reimbursement Cover Claim Form [ FILLABLE PDF]
HRA Flyer[ PDF]
Designation Of Beneficiary[ PDF]
Participant Loan Application[ PDF]
Salary Deferral Election – Non-Roth [ PDF]
Salary Deferral Election – Roth [ PDF]
Notice of Separation From Service [ ONLINE FORM]
Defined Contribution Employer Brochure Here[ PDF]
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