HRAs are funded solely by your employer. Your employer determines the amount and at what frequency funds will be contributed to your account.

There is no limit to the amount your employer can contribute, however your employer may set an annual maximum amount that will be contributed to your account.

No. HRAs can be offered in conjunction with any health plan.

You can pay for eligible medical expenses, as determined by your employer, with funds from your HRA account. Eligible medical expenses generally include diagnosis, treatment and prevention of disease or treatment for any part or function of the body. Cosmetic medical expenses (such as a facelift) and expenses that benefit your general health (such as health club fees) are not eligible. Contact Surency Flex’s Customer Service department at 866-818-8805 to discuss the specific details of your plan. 

Usually expenses eligible under both plans will be paid for with funds from your HRA first. However, your employer may specify that your FSA pays first. Contact Surency Flex’s Customer Service department at 866-818-8805 to discuss the specific details of your plan. 

You are not allowed to use funds in your HRA for non-eligible expenses. If you do, you will receive a request from your plan administrator for reimbursement of the funds. 

Generally, you can pay for health insurance premiums and long-term care premiums with funds from your HRA account. However, your employer may specify that you cannot pay for premiums with HRA dollars. Contact Surency Flex’s Customer Service department at 866-818-8805 to discuss the specific details of your plan.

Yes, all eligible expenses are required to be validated. Most expenses paid for with your Surency Flex Benefits Card can be electronically validated, but you should always keep your receipts and other documentation for tax purposes and in case we need to further validate your expenses.

You will only be reimbursed up to the amount that is in your HRA. As additional funds are contributed to your account later in the year, you can be reimbursed for qualified medical expenses paid out-of-pocket earlier in the year (as long as the expenses were incurred after the establishment of your HRA).

If you leave your current employer, you cannot take your HRA with you and funds remaining in your HRA cannot be paid to you, unless you continue coverage through COBRA.

Usually funds remaining in your HRA will roll over to the next year. However, your employer may specify that unused funds are forfeited at the end of the year. Contact Surency Flex’s Customer Service department at 866-818-8805 to discuss the specific details of your plan.

Surency Flex offers four ways to access your plan details:

1. The easiest option is to use the Surency Flex mobile app. The mobile app is available for download from the Apple App Store or Google Play. On the mobile app you can view your current account balance, file claims, purchase FSA-approved items and securely contact Surency Flex.
2. Log in to your online Member Account to view your account details, file claims and more.
3. Contact Surency Flex Customer Service at 866-818-8805.
4. You can also sign up to receive electronic updates on your plan via email and/or text alerts. Log in to your Member Account, visit the “Statements & Notifications" tab to select your notification preference.

When you are in a foreign country, you will not be able to use your Surency Flex Benefits Card. However, you can still file a claim for reimbursement if it is for an eligible medical expense. Always remember to keep your documentation and receipts (in US dollars).

Surency Flex offers four ways to access your plan details:

1. The easiest option is to use the Surency Flex mobile app. The mobile app is available for download from the Apple App Store or Google Play. On the mobile app, you can view your current account balance, file claims, purchase FSA-approved items and securely contact Surency Flex.
2. Log in to your online Member Account to view your account details, file claims and more. 
3. Contact Surency Flex Customer Service at 866-818-8805.
4. You can also sign up to receive electronic updates on your plan via email and/or text alerts. Log in to your Member Account and visit the “Statements & Notifications” tab to select your notification preference.  

Contact Surency Flex Customer Service at 866-818-8805.

Surency Flex offers email and text notifications regarding details of your account. To set up these features, log in to your Member Account, visit the “Statements & Notifications” tab and click on “Update Notification Preferences”. Enter your cell phone number and/or email address and choose your alert options. Click “Submit” to save your changes.

Treat your Surency Flex Benefits Card like a credit card. If it’s lost, contact Surency Flex Customer Service immediately at 866-818-8805. Or you can report it lost via your Member Account or the mobile app. Log in and select the “Profile” tab, select “Banking/Cards,” then “Report Lost/Stolen”. Click “Submit” to save your changes. Once you’ve reported your card lost or stolen, Surency Flex will send you a replacement Benefits Card.