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