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Flexible Spending Account Participants


COBRA Participants



Flexible Spending Account


Cobra Accounts

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  • An account where the Employer reimburses employees (and generally eligible dependents) for out-of- pocket healthcare costs tax free
  • A qualified Health Insurance Plan must be an available benefit option for the employee to select
  • Advantages to the Employer are greater flexibility in plan design and allows employer to purchase less expensive health insurance
  • Generally an HRA is offered in conjunction with a High Deductible Health Plan
  • Eligible out-of-pocket healthcare costs orologi replica are defined by the Employer and may include medical, dental, vision, hearing and prescriptions not reimbursed by insurance
  • Because employees manage these funds, they seek out lower-priced alternatives for medical care, prescription drugs, dental care, vision care and other services
  • Debit card available for instant claim reimbursement
  • Non-debit card claims processed weekly and paid by direct deposit or check to the employee participant
  • Account is funded by the employer, employees cannot make contributions to the account
  • Unused balances can be rolled over each year at the election of the employer
  • Employer contributions are tax deductible and employee reimbursement is tax free