Larimer County
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Welcome!

At Surency, we provide you with easy to use and easy to understand tools and information to help you use your accounts. Use this site to learn more about your plan.

Member Account
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FSA

The Flexible Spending Account (FSA) is one of the most common benefit options available. With an FSA, you and/or your employer can contribute pre-tax dollars to an account that can be used for eligible healthcare expenses, including contact lenses, eyeglasses, prescriptions, and routine vision and dental care. Click here for assistance in deciding how much to contribute. The 2026 FSA Maximum Contribution Limit: $3,400.

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Dependent Care FSA

The Dependent Care Flexible Spending Account (DC FSA) is a special type of flexible spending account. The funds in this account may only be used for qualified dependent care expenses, such as child care or adult day care services (for dependent adults).

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HSA

In order to participate in a Health Savings Account (HSA), you must be covered under a high deductible health plan (HDHP). Once enrolled, anyone can contribute to your account. The funds in the account can be used for medical expenses and, when used in coordination with your HDHP, to help cover the high deductible. HSAs are unique because the account belongs to you. HSAs also offer investment and beneficiary options. Click here to calculate how much you could save with an HSA.

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COBRA

The Consolidated Omnibus Budget Reconciliation Act (COBRA) provides certain former employees, retirees, spouses, former spouses, and dependent children the right to temporary continuation of health coverage at group rates.

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Learn More About Your Plans

Access videos that highlight information about your plan(s) and more! 

Educational Videos

There Are Three Ways To Submit A Claim

Mobile App: Search the Apple App Store or Google Play for Surency Flex.

Member Account: Click here to log in to your account. Then click “File A New Claim”.

Paper Claim Form: Click here to download the FSA claim form. Click here to download the Dependent Care FSA Form. Fill out the appropriate form and submit it using the information on the form.

Quick Links

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Accessing your Funds

Use your Surency Benefits Card on eligible health care products and services.

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Mobile App

Check account balances, file claims and more with the Surency mobile app.

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Eligible Expense List

View commonly bought eligible medical expenses.

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Member Account

Learn more about accessing your Surency account by downloading this PDF.

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Election Worksheet

Use this PDF to estimate your health care costs.

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COBRA Quick Facts

Learn more about Surency COBRA by downloading these Quick Facts.

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COBRA Member Account

Log in here or use the mobile app to access the information you need.

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Surency Mobile App

Want to check your account balances and submit receipts anywhere, anytime? We have an app for that!

Access the information you need:

  • Check Health Care Flexible Spending Account (FSA), Dependent Care Flexible Spending Account (DC FSA), and Health Savings Account (HSA) account balances
  • View account activity
  • Access FSA Store to buy eligible expenses
  • Use the Eligible Expense Scanner to see if what you're about to purchase is an eligible expense
     

Take action:

  • Submit claims for Health Care FSAs, Dependent Care FSAs and HSAs accounts
  • Snap a photo of receipts within the app to submit with new or existing claims
  • Add banking information 
  • Request HSA distributions and make HSA contributions
  • Access account funds to pay yourself back or to pay your doctor
  • Report a Surency Benefits Card as lost or stolen

To download the mobile app, search the Apple App Store or Google Play for Surency or use the links below. 

Troubleshooting

  • If you exceed the maximum number of failed logins, your account will be locked for security purposes. Contact Surency at 866-818-8805 for assistance or click the “Forgot Password” link within the Member Account.
  • If you recieve a message about setting up additional security, log in to the Member Account and answer the five security questions. 

If you have issues using your Surency mobile app, please contact
Surency’s Customer Service department at 866-818-8805.

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SURENCY OFFERS AN EFFICIENT, EASY TO USE, AND COMPLIANT COBRA MOBILE APP SOLUTION

ACCESS THE INFORMATION YOU NEED

- View account premiums
- View next payment and due date
- View payment history
- View communication activity

TAKE ACTION

- Easily make a payment
- Register for your COBRA or Direct Bill account
- Manage your recurring payments
- Manage online elections for your plan
- Manage your security PIN
- Recover & reset your username and password
- Easily click to call or email Surency Customer Service

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QUESTIONS?

SURENCY CUSTOMER SERVICE

866-818-8805
Customer Service Inquiry Form

HOURS OF OPERATION

Monday - Thursday  7 am - 6 pm CST
Friday  7 am - 5 pm CST

Still Have Questions?

Fill out the form and a Surency team member will reach out to help you as soon as possible.

Surency Login

Choose your Surency account type below to log in and access your account. Reimbursement accounts include FSA, DC FSA, LP FSA, HSA, HRA, Commuter, LSA, QSEHRA, Adoption Assistance, Travel Benefits, Direct Billing and Premium Only Plans.

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