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.
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
- Direct deposit right to participants’ bank accounts Check Register for Employers who wish to reimburse participants directly
- Checks sent to participants


Automated Data Integration
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’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.
