Choose Surency

Why Choose Surency?

Surency AdvantagePlus plans help employers control rising healthcare costs while enabling employees to take control of their healthcare expenses. The typical American family of four spends $25,826* in medical expenses each year. Surency has a proven track record of excellent account administration and seamlessly transitioning clients who have complex and varied plans.

Surency AdvantagePlus Offers:

:  Flexible Spending Accounts (FSA)

Health Reimbursement Arrangements (HRA)

Health Savings Accounts (HSA)

:  FSA/HRA/HSA Combinations

Hassle-Free Member Experience

Easy-to-use self-service tools - available 24/7

  • No-cost AdvantagePlus Benefits Card
    Eliminates out-of-pocket expenses
    Reduces receipt requests
  • Online claims submission and reimbursement
  • Mobile app for quick account access and receipt upload


:  Best-in-class communication materials to assist with employee education


Easiest To Do Business With

:  Simplified account administration

  • Access employer account information through a secure online login
  • Streamlined, accurate claims payments
  • Surency offers a benefits card option for real-time claim payments


:  Customer-focus

  • Highly trained customer service representatives and claims processors
  • Comprehensive, proactive consumer education proven to increase participation
  • Increased workflow automation
    - Online enrollment
    - Automatic payroll processing


Surency AdvantagePlus Plan Options:


Flexible Spending Accounts (FSA)

:  Use to pay for qualified medical expenses or dependent care expenses

:  Contributions are made on a pre-tax basis

:  Entire election amount is available at the start of the plan year (excluding dependent care FSAs)

:  Unused funds are forfeited at the end of the year, unless the employer chooses to allow rollover or a grace period.

Types of FSAs offered:

    :  Health Care

    :  Dependent Care

    :  Vision Only

    :  Dental Only

    :  Vision and Dental Only

    :  Individual Premium


Health Reimbursement Arrangements (HRA)

:  Use to pay for qualified medical expenses

:  Only the employer contributes

:  Funds may only be available as they are deposited into the account (employer specifies)

:  Employer specified if unused funds roll over at the end of the year

Types of HRAs offered:

    :  Comprehensive

    :  Bridge Deductible

    :  Post Deductible Only

    :  Limited-Purpose

    :  Retirement Only

    :  Shared Deductible Coinsurance

    :  Premium Reimbursement


Health Savings Accounts (HSA)

Participation in a Health Savings Account (HSA) requires enrollment in a high deductible health plan (HDHP).

:  Must be enrolled in an HDHP and not covered by any other non-qualifying health plan

:  Can be enrolled in both and HSA and a limited FSA or a limited HRA

:  Employee-owned account

:  Use to pay for qualified medical expenses until age 65 when funds can be withdrawn penalty-free

:  Anyone can contribute

:  Funds are only available as they are deposited into the account

:  Funds roll over each year and go with the employee if he/she terminates employment

:  In the event of death, funds can be passed to a beneficiary



Other Pre-Tax Plan Options

:  Pre-tax commuter benefit solutions (e.g. transportation, parking)





*Milliman 2016 Medical Index