A HealthCare Spending Account is a cost effective and flexible way to "fill the gaps" that a traditional group insurance plan leaves behind. Even the best group plan has things that are capped by limits or simply not covered. There is no "plan design" inside of an HCSA which means the employee chooses how to use the funds.

Employees can submit their "Explanation of Benefits" statement from the insurance company to their HCSA account.