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Solution

Benefits Accounts

We can empower your employees and retirees to determine how to use their benefit dollars through flexible, tax-advantaged medical spending and savings accounts.

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Choosing the right health benefits is only the beginning of the journey for your employees and retirees. A thoughtful strategy, including financial support to help keep health benefits affordable, can help promote the physical and financial wellbeing of your workers.

Our team works with you to design your funding program and choose the benefits account types that best complement it. Our benefits accounts are easy to administer through our wholly owned and fully integrated administration platforms. Our systems provide your employees easy access to up-to-the-minute account information and comprehensive decision-support tools.

With our accounts and associated tools, your employees will discover ways to wisely use and invest their benefits accounts to improve both their physical and financial wellbeing. Similarly, your retirees are empowered to make their own decisions about how to use their health benefit dollars through flexible, tax-advantaged medical spending and savings accounts.

Account options to improve financial wellbeing

Our flexible approach enables your employees and retirees to take control over their healthcare spending with tax-advantaged accounts. You choose the account types that match your benefit strategy, and we’ll make it easy to administer through our wholly owned and fully-integrated services platform and our participant-facing Via Benefits Accounts brand.

Health savings accounts (HSAs)
HSAs paired with a high-deductible health plan deliver significant tax and retirement savings opportunities to your employees. HSAs are owned and managed by employees so they can determine, over time, how and when to spend (or save) their healthcare dollars in order to improve their health and financial wellbeing.

Health reimbursement arrangements (HRAs)
HRAs give employees or retirees a way to be reimbursed tax-free for qualified healthcare expenses not covered by their health plan. An HRA is funded and owned solely by the employer or plan sponsor.

Healthcare flexible spending accounts (HCFSAs)
Healthcare FSAs provide a tax-free way for employees to put aside money for medical, dental, vision and prescription expenses not covered by their health plans. These FSAs can be standard or limited purpose for pairing with an HSA.

Dependent care flexible spending accounts (DCFSAs)
Dependent care FSAs provide employees with tax-preferred options for managing care for children and dependent adults.

Lifestyle spending accounts (LSAs)
As the delivery of traditional perks and onsite conveniences have changed, a lifestyle spending account (LSA) or a perks stipend offers flexible funds that employers can provide to employees to pay for various perks. With an LSA, the employer decides

  • What is eligible for reimbursement
  • Who is eligible to use it
  • The amounts that are offered

LSAs are not tax-advantaged accounts, so they are not regulated with strict rules like other benefit accounts. There are no maximum or minimum allowable amounts. Employers fund only what employees spend as the accounts are not pre-funded and there’s no cash outlay if the funds aren’t used. According to our research, employers typically offer various stipends and accounts to support

  • Wellbeing
  • Home office set-up
  • Continuing education
  • Student loan repayment
  • Childcare allowance
  • Financial planning

Commuter accounts

A commuter account is an employer-sponsored benefit that allows your employees to pay for qualified workplace mass transit and parking expenses using money that is not taxed. It's a great way to make your employees’ commute more affordable. And in flexible and hybrid work models, such benefits can increase time spent in the office.


Tuition reimbursement

Tuition reimbursement offers employees money for taking college courses while employed with your company. The employee will typically pay for their courses, and you reimburse these costs upon course completion.

As a non-bank custodian, our benefits accounts enjoy greater control over HSA program rules and fees than many other account administrators. We’re also accountable for the overall performance of our operation. This means we have more flexibility to work with you on a funding program that meets your needs — and we keep a strong focus on offering a better participant experience.

Your employees and retirees will benefit from:

A high-tech, high-touch user experience
Today’s employees expect a high-tech, high-touch user experience when accessing their benefits especially when it comes to benefits accounts. To achieve an intuitive user experience requires a savvy use of technology that provides ease of use, flexibility, choice, personalization and on-demand information.

Easy account access and up-to-the-minute account information
Our technology is designed with an intuitive workflow and features that simplify transactions and facilitate engagement.

Anytime, anywhere access
Users can check their account balances via our portal or our mobile app (including the ability to receive text alerts with account balance information), photograph and upload receipts, submit claims and initiate inquiries.

Excellent customer service with rapid issue resolution
We offer easy access to professionals through a mobile app, online portal, call center and automated help desk.

Leading-edge, flexible technology
We have fine-tuned our platform over the years to offer an excellent employee, retiree and employer experience.

Why choose us?

Focus on wellbeing
We provide your employees with the products and tools to enhance their physical and financial wellbeing now and in the future. Our in-depth research will help inform the design and delivery of your funding program.

One integrated platform
Our benefits accounts platform is integrated with our benefits administration and individual marketplace platforms so our solutions support your workforce from hire through retire 

Consultative support
We offer end-to-end support from design through implementation.

Direct access to a dedicated client team
We will assign you a dedicated client team to provide fast issue resolution.

Extensive information security infrastructure
As a leading provider of cybersecurity products, we understand the importance of information security. We will comply with all regulations to protect the personal information of your employees, retirees and participants.

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