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Flexible spending accounts (FSAs) @ www.ebcflex.com and health savings accounts (HSAs) @ https://www.ebcflex.com/HSA help you save money because the contributions you make to the account are exempt from Federal, State, and FICA payroll taxes. Using tax-free dollars to pay for eligible expenses saves up to 30%*, meaning a $100 eligible expense costs you about $70.

Where can I spend my FSA and HSA funds?

Spending your FSA and HSA funds is easy. Just shop where you normally buy eligible items, or check out one of the online shops that specialize in FSA- and HSA-eligible products.

• FSA Store: Online marketplace with more than 4,000 FSA-eligible products and educational resources.
• Health Shopper: Site curated with unique FSA- and HSA-eligible products. Orders are delivered via Amazon.

Don’t forget to use your Benefits Card! The easiest way to spend your funds is using your Benefits Card at a retailer that approves eligible expenses at the point of sale with their electronic payment system, including FSA Store, Health Shopper, and many national chains. When you use your Benefits Card at these retailers, you pay directly from your benefit account. If you don’t have a Benefits Card, you can pay using another method and submit a request for reimbursement later.

Please note that we can’t guarantee items found at these retailers qualify as eligible expenses. You may be required to submit documentation for FSA purchases to prove they are eligible expenses. In that case, you will receive an email from us requesting documentation.

Where can I buy items that are eligible expenses?

You can purchase eligible expenses anywhere that sells them. Here are some tips for where to shop, getting the most out of your benefit, and easily paying for eligible expenses.

• Consider online retailers. Many of your favorite retailers sell these items on their websites. Some retailers specialize in products marked as FSA or HSA eligible items on their site and clearly mark them on your receipt/invoice.
• Use your Benefits Card! The easiest way to purchase an eligible expense is to use your Benefits Card at a retailer that approves eligible expenses at the point of sale with their electronic payment system. When you use your Benefits Card at these retailers, you pay directly from your benefit account without having to pay out-of-pocket and then submit a claim for reimbursement.
• Submit claims online and use direct deposit. Don’t have a Benefits Card? No problem. Save your expense documentation and submit your claim for reimbursement online. Sign up for direct deposit and your funds are automatically deposited in your savings or checking account.

The BESTflex Plan is a cafeteria plan that allows employers to offer money-saving, tax-advantaged benefits to their employees. Employers choose from a premium only plan (POP), self-administration, or flexible spending account (FSA) administration options for standard health care (medical, vision, and dental), limited health (vision and dental only), and Dependent Care (day care for children and adult dependents)

Flexible Plan Design Options

The BESTflex Plan with flexible spending account administration has options for grace period, rollover, Benefits Card, and employer contributions. If the organization has multiple divisions, each division can have separate fees, contacts, and reporting. We work with brokers and employers to build a benefit that best meets their needs. If you are looking for an administration change but are still in the middle of your plan year, we offer mid-year takeovers so that you can have the service you need right away.

Online Administration Capabilities