EMPOWER
Why Employers Love EMPOWER

Employee Benefits with the Human Touch

What Makes EMPOWER Different

About EMPOWER

Since 1996, EMPOWER has been a trusted partner for employers across the Midwest and nationwide. We offer comprehensive, turn-key solutions for Flexible Spending Accounts (FSAs), Health Reimbursement Arrangements (HRAs), Health Savings Accounts (HSAs), and Premium Only Plans (POPs). By blending cutting-edge administration technology with personalized, Human Touch service, EMPOWER delivers a seamless experience that puts your needs first.

EMPOWER’s Human Touch Works!

Below are actual testimonials from EMPOWER clients.

“I love EMPOWER and how fast Evan responds to my emails. He’s very knowledgeable and my employees trust him to handle all their needs. Thank you and keep up the GREAT work!!”
“We are so happy with EMPOWER. Our questions are always answered quickly, and I appreciate the friendliness and professionalism of Jeannie and Ashley. Your company provides a wonderful benefit to our company.  Thank you!”
“EMPOWER has surpassed our expectations. Choosing EMPOWER was a great decision for our benefits administration team. I appreciate all of the assistance that is provided on the administrative side as well as the prompt replies to our questions.”
“I encourage everyone I speak to download the EMPOWER Flex Mobile App. I use the app and it’s so easy and handy.  Everything is right there at your fingertips. Thank you all for all you do!”

Benefits for Employers

Personal Account Manager

Experience exceptional customer service with dedicated support for employers, brokers, and participants, ensuring seamless communication and expert assistance for all your FSA, HRA, and HSA needs.

Convenient Reimbursement Options

In addition to debit card purchases, offers reimbursement option tailored to your needs:
  • Direct deposit right to participants’ bank accounts
  • Check Register for Employers who wish to reimburse participants directly
  • Checks sent to participants

Automated Data Integration

EMPOWER offers automated data integration with select Human Resource Information Systems (HRIS) and Payroll system vendors. Automation creates an automatic, seamless integration between your system and EMPOWER’s.

Benefits for Participants

Fast, Next Day Claims Payment

  • Clean claims are reviewed and paid the next business morning (compared with the industry average of 3-7 days)
  • In the event of a claim denial, EMPOWER personally contacts the participant
  • There is only a $1 reimbursement minimum for paper checks

Easy Claims Verification

EMPOWER knows that receipt verification is time-consuming for participants. EMPOWER makes it easier!
  • EMPOWER’s Visa Debit Card uses the Inventory Approval System (IIAS) to auto-substantiate eligible purchases from IIAS merchants
  • Participants can easily upload pictures of receipts using the Online Portal or Mobile App
  • Automatic copay analysis to auto-substantiate copays

EMPOWER Visa Debit Card

EMPOWER offers two free Visa Debit Cards to each participant, making it easier than ever to access funds from eligible plans. These cards can be used instantly by participants and their families, eliminating the hassle of submitting reimbursement claims and providing a seamless, on-the-go way to manage their benefits.

Online Portal and Mobile App

We live in a connected, on-the-go world. Participants and HR professionals expect their benefits to be accessible when and wherever their lives take them. EMPOWER’s Online Portal and Mobile App (iOS and Android) are powerful tools that allow Employers and participants to conveniently manage their benefits.

Benefits for Consultants

A Trusted Partner and Advisor

Let our highly trained and experienced staff help you address and resolve your clients’ needs with efficiency and expertise. We’re committed to providing personalized, responsive support to ensure that every question is answered and every issue is resolved quickly, allowing you to focus on what matters most.

EMPOWER Participant
Mobile App Download

If you have an FSA, HRA, or HSA with EMPOWER, we encourage you to
download the Mobile App to manage your benefits on the go!
Apple iOS
Google Android

Download Forms

Click one of the links below to view the available forms.

I am a Participant
Click the above link if you are a participant who has an FSA, HSA, or HRA with EMPOWER.
I am an Employer
Click the above link if you are an Employer or Consultant.