Flex Frequently Asked Questions

Find the answers below to the questions most frequently asked by our members. If you are enrolled in a Surency Flex plan, visit the Member Account to learn more about your  benefits.


How do I access my plan information?

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.  
What do I do if I’m having issues with my Member Account or the mobile app?

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

Can I receive statements/notifications by email and/or text?

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.

I’ve lost my Surency Flex Benefits Card. What should I do?

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.

How can I use the funds in my account without paying for expenses upfront and waiting for reimbursement?

Use your Surency Flex Benefits Card like a credit card to pay for eligible expenses at the time of service or write the Benefits Card number on the bill you receive (just like you were paying with a credit card). By providing your card as the initial form of payment, you will automatically use funds in your account and will not need to wait for reimbursement. Please note, you should keep your receipts from any Benefits Card purchases in case we need to see those for verification of the expense.

What funds are available to me at the start of the year?

The funds in your HSA are available as they are contributed. As you contribute additional funds to your account later in the year, you can be reimbursed for eligible medical expenses paid out-of-pocket earlier in the year (as long as the expenses were incurred after the establishment of your HSA).

What can I pay for with my HSA dollars?

You can use money set aside in your HSA on eligible medical expenses, generally those medical expenses not covered by insurance. Eligible medical expenses 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. View a list of eligible medical expenses

Can I see how much is in my HSA?

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 HSA-approved items and securely contact Surency Flex. 
  2. Log in to your 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 preferences.  
If I use my Surency Flex Benefits Card to pay for eligible medical expenses, do I still need to keep my receipts and other documentation?

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. 

Can I use the money in my HSA to pay for health insurance premiums?

Generally, you are not allowed to use HSA dollars to pay health insurance premiums. However, exceptions include COBRA premiums, long-term care premiums, Medicare Part D premiums or any premiums that allow you to continue coverage while receiving unemployment compensation.

What happens if I spend HSA dollars on non-medical expenses?

Any HSA money you spend on non-medical expenses will require you to pay taxes on that amount and, unless you are 65 years of age or older, you'll also pay a 20 percent penalty.

What happens to unused funds in my HSA at the end of the year?

Unused funds in your HSA will roll over each year. There is no time limit to use your funds.

What happens to my HSA if I pass away?

If you die and your surviving spouse is listed as your beneficiary, your HSA will be treated as your spouse's HSA. If you have no surviving spouse or your spouse is not listed as your beneficiary, the funds in your HSA will be included in the federal gross income of your estate or your beneficiary.

Can I transfer funds from another investment account to my HSA?

A one-time, tax-free transfer of IRA funds to your HSA is allowed.

How do I know how much is in my account?

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.
Can I use my account in a foreign country?

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).

What are the requirements to participate in an HSA?

You are eligible to participate in a Health Savings Account (HSA) if you:

  • have coverage under a qualifying high deductible health plan (HDHP).
  • are not enrolled in Medicare.
  • are not eligible to be claimed as a dependent on someone's tax return.
  • are not covered by any other non-qualifying health plan (ie. A health plan offered through your spouse’s employer).
  • and/or your spouse are not enrolled in a Health Care FSA.
What happens if I terminate employment?

The money in your HSA is yours and will go with you if you leave your current employer. If you join another employer that offers a high deductible health plan (HDHP), you can continue to contribute to your HSA. However, if your new employer does not offer an HDHP, you cannot continue to contribute to your HSA, but you can still use the funds in your account for eligible medical expenses.

What is a high deductible health plan?

A high deductible health plan (HDHP) is a health plan that meets the requirements to allow an individual to participate in a Surency Flex HSA. While the deductibles are higher, compared to other health plans, the premiums for an HDHP are often lower. You are required to be enrolled in a qualifying HDHP in order to participate in an HSA. You may not be covered in any other non-qualifying health plan (i.e. a health plan offered through your spouse's employer).

Can I participate in an HSA and an FSA at the same time?

Generally, no. You may only participate in an HSA if you are enrolled in a limited purpose FSA that only covers vision and/or dental expenses or does not pay until the deductible is met. If you enroll in an HDHP during the run-out period of an FSA (the additional time allowed to file FSA claims), you are still eligible to enroll in an HSA as long as the balance in your FSA is zero or if the balance in your FSA is directly transferred to your HSA.

What happens when I turn 65?

When you turn 65, you are eligible to enroll in Medicare. If you elect to enroll in Medicare or are automatically enrolled in Medicare Part A you can no longer contribute to your HSA. However, you are still allowed to pay for eligible medical expenses with money remaining in your HSA. At age 65, you are also allowed to make withdrawals from your HSA penalty-free, but you will pay income tax on withdrawals at that time.

What if I cancel my HDHP coverage?

If you cancel your HDHP coverage, you are no longer allowed to contribute to your HSA. However, you can still use the funds in your HSA for eligible medical expenses.

Can my spouse and I have a joint HSA, similar to a joint checking account?

No, only one person can own an HSA. If you are both covered under an HDHP, you may each have your own HSA. Learn more about HSA contribution limits and special rules for married couples.

I am covered under my spouse's low-deductible health plan. If I enroll in my employer's HDHP, am I eligible to participate in an HSA?

No, you are not eligible to participate in an HSA if you are covered under any other non-qualifying health plan.

When can I make contributions to my HSA?

Contributions can be made to your account periodically throughout the year or in one lump sum. You may contribute to your HSA at any time during the tax year. The last day to make a contribution for a calendar year is April 15 of the following year.

Can anyone else contribute to my HSA?

Contributions to your HSA can be made by you, your employer, a family member or any other person contributing on your behalf. When determining if you have met the maximum allowed contribution amount for a calendar year (January through December), contributions from all persons are counted together.

What is the maximum amount I can contribute to my HSA?

There are federal maximum amounts an individual and family can contribute to an HSA each year. Check with your plan administrator or Human Resources department for this year's maximum.

What are "catch-up" contributions?

Catch-up contribution are allowed contributions to your HSA beyond the annual maximum limit. You are eligible for catch-up contributions if you are age 55 or older. Catch-up contributions are allowed the calendar year you turn 55 as long as you are enrolled in an HDHP on or before December 1.

Can I contribute stock to my HSA?

No, only cash contributions can be made to your HSA.

What if I contribute more than the maximum allowed to my HSA?

You are allowed to withdraw the excess contributions until April 15 of the following year and pay no penalties. After April 15, the excess funds are subject to taxes and penalties.

How does this carryover option impact my Health Savings Account (HSA), Flexible Spending Account (FSA) and Health Reimbursement Arrangement (HRA) interaction?

If you are covered by a traditional, general-purpose FSA or HRA, you are not eligible to contribute to a health savings account (HSA). Below we discuss the impact of the Grace Period and carryover on the HSA’s eligibility. 

Grace Period Impact on HSA Eligibility: A participant with a general-purpose FSA that contains a grace period and has a year-end balance is ineligible for HSA contributions until the first calendar month after the grace period ends. The same is true for the participant’s spouse, if the spouse’s medical expenses are eligible for reimbursement from the general-purpose Health Care FSA.  

Carryover Impact on HSA Eligibility: The adverse effect of members not being able to enroll in an HSA if they have funds remaining at the end of the Plan Year can be avoided if the plan allows employees to decline or waive their carryovers prior to the beginning of the next Plan Year. An employee who declines or waives a general-purpose Health Care FSA carryover under the plan's terms may contribute to an HSA during the next Plan Year if he or she is otherwise HSA-eligible. Another way that employers can help employees avoid the adverse effect on HSA eligibility of a general-purpose Health Care FSA carryover is to amend their cafeteria plans to allow or require that the unused amounts be carried over to any of the following HSA-compatible Health Care FSAs (i.e. a limited-purpose FSA).

What is HSA Advance?

HSA Advance is a special feature of certain Health Savings Accounts (HSAs) if your employer’s policy allows it. HSA Advance allows you to access future HSA funds upfront, before they have been contributed. For example, if you have claims that are greater than the balance of your HSA Account (including investment account(s)), you can access HSA Advance funds to help cover the cost. It works similar to a bank’s overdraft protection but doesn’t accrue interest or require additional fees. The amount available in the HSA Advance fund is determined based upon your annual contribution amount and your employer’s policy regarding this benefit.

Do I have to sign up for HSA Advance?

No. If your employer allows HSA Advance, it is included automatically as part of your HSA. You will see your available HSA Advance funds in your online Member Account.

How does HSA Advance work?

If you make a payment for an eligible expense using your Surency Flex Benefits Card or through your Member Account, and you do not have enough funds in your HSA or investment account(s) to cover the expense, HSA Advance will automatically advance funds, up to your advance limit, at the point of payment.

Likewise, if you pay for an eligible expense with personal funds and request reimbursement from your HSA, funds will be advanced at the time of reimbursement. The amount available will be determined based upon your annual contribution amount, and your employer’s policy regarding this benefit.

NOTE: You must use your HSA available balance, as well as funds in your HSA investment account, before HSA Advance funds are applied to the expense.

When are the HSA Advance funds available?

Your HSA Advance funds will be available for eligible expenses according to your employer's policy. Typically, they will be available on the first day of your Plan Year.

Are there any fees to use this feature?

No. Unlike a bank overdraft advance, HSA Advance does not accrue interest, and you do not pay any additional fees if you access funds in the account.

What if I don’t want to use this feature?

If your employer allows for HSA Advance, it is included with your HSA automatically; there is no option to opt out. If you don’t wish to use this feature, be sure to carefully monitor your HSA cash balance using the Surency Flex mobile app or online Member Account to ensure that payments do not exceed your balance.

How do I know how much money is available through HSA Advance?

You can access HSA Advance details any time using the Accounts Page in your Member Account. It will tell you your Total Available Balance, which will include what is in your HSA currently plus any unused funds from HSA Advance. It will also show you a breakdown of your different accounts, including the Advance Balance, which is the amount available in your HSA Advance fund.

On the Account Activity page, you can select to view activity for your HSA or your HSA Advance account. There, you can see all transfers that have been made, and if you have an outstanding HSA Advance balance that needs to be repaid.

How do I pay back the HSA Advance funds?

Your HSA Advance repayment balance is automatically repaid as your payroll deductions and employer contributions are applied to your HSA until the advance is paid in full.

Are there any tax implications if I use money from my HSA Advance fund?

No. Use of the HSA Advance fund has no tax implications. At year end, you will receive Form 5498-SA showing the amount contributed to your HSA during the year. If you have questions, contact your tax preparer or visit IRS.gov for tax preparation resources.

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