FAQs

There are four ways to access your plan details:

The easiest option is to use the Surency 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.
Log in to your Member Account to view your account details, file claims and more.
Contact Surency Customer Service at 866-818-8805.
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.

You can use money set aside in your HSA on qualified medical expenses, generally those medical expenses not covered by insurance. Qualified 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 qualified medical expenses.

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 qualified medical expenses paid out-of-pocket earlier in the year (as long as the expenses were incurred after the establishment of your HSA).

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’s Customer Service department at 866-818-8805 to discuss the specific details of your plan.

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.

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).

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’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.

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’s Customer Service department at 866-818-8805 to discuss the specific details of your plan.

You can pay for qualified 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’s Customer Service department at 866-818-8805 to discuss the specific details of your plan.

Can I see how much is in my HSA?

What can I pay for with my HSA dollars?

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

What happens to funds left in my HRA at the end of the year?

What if I terminate employment?

What happens if I submit a claim for an amount larger than the balance of my HRA?

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

What if I use funds in my HRA for non-medical expenses?

What if I have an FSA and an HRA through my employer? Which one pays first for qualified medical expenses?

What can I pay for with my HRA dollars?

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