Let’s streamline your health care solutions. Integration means that your company can get personalized help with your health plan and spending accounts from one team.
Your team can also get a more streamlined health solution. Not only can they manage both their spending account and health plan in one place, but integration also makes paying claims easier.
Every health plan should be paired with a spending account. This chart will help you find the right spending account for your business.
Health Plan Type
Employee Premium / Deductible
Employee Out-of-Pocket Expense
Spending Account Pairing
Qualified High-Deductible Health Plan
Low / High
Health Savings Account + Limited Purpose Flexible Spending Account
High / Low
Flexible Spending Account and Health Reimbursement Arrangement
Traditional Health Plan with Higher Deductible
These spending accounts can be paired with any plan to help your employees pay for qualified transportation, child care, and even some adult care expenses.
To see how different spending accounts are used, check out this chart.
Pay for deductibles/coinsurance/copays
Pay for dental/vision/prescriptions
Pay for dependent care
Account owned by
Invest money for future expenses
You are required to have a Qualified High-Deductible Health Plan
Money is transferable if you change jobs/change plans/retire
Can reduce your taxable income
Debit card available
* Employers may choose to contribute. The IRS sets different limits on contributions to HSAs and FSAs.
We're happy to walk you through which spending account options are right for your company.
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Highmark Blue Cross Blue Shield serves the 29 counties of western Pennsylvania and 13 counties of northeastern Pennsylvania. Highmark Blue Shield serves the 21 counties of central Pennsylvania and also provides services in conjunction with a separate health plan in southeastern Pennsylvania. Highmark Blue Cross Blue Shield West Virginia serves the state of West Virginia plus Washington County. Highmark Western and Northeastern New York Inc., serves eight counties in Western New York under the trade name Highmark Blue Cross Blue Shield of Western New York and serves 13 counties in Northeastern New York under the trade name Highmark Blue Shield of Northeastern New York. Each of these companies is an independent licensee of the Blue Cross Blue Shield Association. Blue Cross, Blue Shield and the Blue Cross and Blue Shield symbols are registered marks of the Blue Cross Blue Shield Association, an association of independent Blue Cross and Blue Shield companies. All references to “Highmark” in this document are references to the Highmark company that is providing the member’s health benefits or health benefit administration.
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