A more complete benefits package
From spending accounts to COBRA, give your employees more choices for controlling their healthcare costs.
Help your employees reduce healthcare costs, while lowering your company’s tax liability.
Give them a complete benefits package with administrative services offerings from
PacificSource Administrators, Inc.
All our services include:
Secure online account access
Excellent customer service
Quick and accurate claims administration
Employee educational materials
Find out more: Administrative Services flier (PDF)
Flexible Spending Accounts (FSA)
- Employee-funded, with optional employer contributions
- Reduces your organization’s FICA payments
- Employees choose their contribution amount
- Employees save via pre-tax payroll deductions
Find out more: Flexible Spending Accounts (FSA) flier (PDF)
Health FSA Options
General Purpose Health FSA
For healthcare expenses not paid for by a health plan
Eligible expenses include:
- Deductibles, coinsurance, copays
- Dental and vision care
- Prescriptions and over-the-counter medicine
Limited-Purpose Health FSA
- For dental and vision expenses only
- Can be used by participants with a Health Savings Account
Limited-Scope Health FSA
- For employees and dependents who don’t have group medical coverage
- For dental and vision expenses only
Other FSA Options
Dependent Care FSA
- For childcare, elder care, or other dependent care expenses
- Usually provides a greater tax savings than the IRS standard dependent care tax credit
- Participants may not claim the same expenses on the IRS standard dependent care tax credit
Premium Payment Component
- Employees pay insurance premium expenses with pretax dollars
- Employees can save via payroll deductions
- Employer discount if your organization is a PacificSource health plan member group
- Reduces your organization’s FICA payments
Health Reimbursement Arrangements (HRA)
- Employer-funded account, no contribution from employees
- For reimbursing employee (and eligible dependent) health expenses
- Offers flexibility for employers to set the rules of the arrangement
- Often paired with a high-deductible health plan (HDHP)
- Employers can fund HRA with cost savings from switching to an HDHP from a copay plan
- Employees must be enrolled in your group medical plan
Find out more: Health Reimbursement Arrangements (HRA) flier (PDF)
Transportation Benefits
- Employees pay transit, van pooling, and parking expenses with pretax dollars
- Must be work-related transportation
- Reduces your organization’s FICA payments
- Employees choose their monthly contribution amount
- We issue reimbursement via direct deposit or checks
- Employer can choose to carry over unused funds from previous year
Find out more: Transportation Fringe Benefit flier (PDF)
Premium Only Plans (POP)
- Employees pay insurance premium expenses with pretax dollars
- Employees can save via payroll deductions
- Employer discount if your organization is a PacificSource health plan member group
- Reduces your organization’s FICA payments
Find out more: Premium Only Plans (POP) flier (PDF)
Prepaid Benefit Debit Card
- An option with our FSA, TFB, and HRA plans, at no additional cost
- Prepaid MasterCard for employees
- Draws on the stored value of funds in the account
- Employees can easily pay for qualified expenses, automatically
COBRA and Retiree Administration
- For employees and dependents who no longer qualify for your health plan coverage
- Helps you smoothly navigate a tricky and compliance-heavy process
- We track necessary notifications, time periods, and billing
Find out more: COBRA and Retiree Administration flier (PDF)
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