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  1. Health Savings Accounts

    ALL your Health Savings Account questions answered Who is eligible to open an HSA? The main requirement for opening an HSA is having a high-deductible health plan that meets IRS guidelines for the annual deductible and out-of-pocket maximum. To ...
  2. Monthly COBRA & Direct Bill Payments

    COBRA and Direct Bill premiums are due the first day of the month but there is a 30 day payment grace period. Payments must be received or post-marked by the last day of the month in which they are due to avoid any lapses of coverage. We accept c...
  3. Card Activation

    Benefits cards must be activated in order to use them for qualified medical expenses. Cards can be activated by calling 866-898-9795.  You will need to have your card available at the time of authorization in order to validate the account. Card a...
  4. What is the Difference Between a Limited Purpose FSA and Medical FSA?

    Limited Purpose FSA A limited purpose FSA may be offered to employees that are enrolled in a Health Savings Account (HSA) in conjunction with a High Deductible Health Plan (HDHP). The Limited Purpose FSA is available to supplement vision and dental...
  5. Can I Transfer Money From My Health Care FSA to My Dependent Care FSA?

    No, you can use funds only for the purpose for which the election was initially made. IRS regulations do not allow funds to be transferred or commingled between accounts. So, the money in your Health Care FSA may only be used for health care expense...
  6. Catch Up Contributions

    Need help determining how much to contribute per pay period to save the maximum allowed based on your age and the IRS maximum? Check out FINRA's " save the max " calculator as a resource.** Important updates beginning in 2026 Starting...
  7.  Move Money Within Your Account

    Review the guide below to learn more about the ways to move money between investments within your retirement account. ...
  8. May I use my Medical FSA to Reimburse My Spouse’s Medical Expenses, Even If He/She is Enrolled in A Different Health Insurance Plan?

    Yes, the FSA does not require that your dependents be covered under your health insurance plan. You can use your account to pay for eligible health care expenses for your family, regardless of the health insurance plan in which they are enrolled. ...
  9. Required Minimum Distributions

    What are Required Minimum Distributions (RMDs)? Required minimum distributions, or RMDs, are congressionally mandated withdrawals from a qualified retirement plan. RMD rules dictate the minimum amount you must withdraw from your account every yea...
  10. Accessing COBRA account information

    Any Qualified Beneficiary on your insurance plan is permitted to get information about coverage and  account status. Only one set of credentials can be used to access online account . If you are covered through COBRA but do not have online account ...