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Advanced Flex Plan Administration with the Human Touch

Welcome to Your Health Reimbursement Arrangement (HRA)

Download Forms and Guides

Start Making the Most of Your New Benefit!

A Health Reimbursement Arrangement (HRA) is a special account that your Employer provides to help you pay for expenses not covered by your insurance.

Typically, an HRA helps the employee pay for deductible expenses, however, it may also provide reimbursement for general medical expenses such as medical, vision or dental visits and expenses and/or prescription drugs. Please follow the instructions below to download the HRA Plan Fact Sheet that details the specifics of your HRA.

How A Typical HRA Works

The HRA participant obtains eligible health services.

The participant files a claim to EMPOWER together with the insurer’s Explanation of Benefits (EOB) or Benefits Summary Sheet with EMPOWER.

EMPOWER reimburses the participant according to Plan guidelines.

Table of Contents

Next Steps

Set up Your Online Account
Set up Your Mobile Account
Download and Review the HRA Plan Fact Sheet
Use Your Benefits!

Set up Your Online Account

Setting up an online account is not required, but helps you manage your HRA. Below are examples of what you can do with your Online Account:
  • Check your balance
  • Order a replacement debit card
  • Add your bank account for direct deposit
  • Manage your Investments (if your account has reached a dollar value threshold)

Note that the Online Portal and Mobile App use the same username and password. If you set up your username and password using one method, you will use the same credentials to log into the other.

How to Create Your Online Account

  1. Click the Log In button on the top right of any page on empowerflex.com or click the button above.
  2. A popup will be displayed. Click on the Participant Login link.
    1. Note that this popup will not show in Internet Explorer. Edge and Chrome are recommended browsers.
  3.  Click the Get Started button on the right side of the login screen.
  4. Follow the on-screen prompts to create your new login.
    1. To validate your identity, the on screen prompts will ask you to provide:
      1. Full name
      2. Social Security Number
      3. Zip code
        1. Note that this is the zip code that you used when you enrolled in your benefit.
    2. Once you verify your identity, you will be asked to provide answers to your security questions.
      1. Save your answers to these questions because you may be asked to provide these answers again.
    3. Create your username and password.
    4. After logging in for the first time, you will be prompted to accept the HSA agreements.

Set up Your Mobile Account

Using the Mobile App is not required, but is a great way to use your HRA on the go. Below are examples of what your can do with the EMPOWER Flex Mobile App:

  • Check your balance
  • Submit claims
  • Add your bank account for direct deposit (if allowed by your Employer)

Note that the Online Portal and Mobile App use the same username and password. If you set up your username and password using one method, you will use the same credentials to log into the other.

How to Create Your Mobile Account

  1. Using your mobile device, click one of the links above (depending on the chosen device).
    1.  For Apple iOS users, click Get on the download screen.
    2. For Google users, click Install on the download screen.
  2. Open the EMPOWER Flex Mobile App after downloading.
  3.  Click the New User? Set up your account to start setting up your account.
  4. To validate your identity, the on-screen prompts will ask you to provide:
    1. Full name
    2. Social Security Number
    3. Zip code
      1. Note that this is the zip code that you used when you enrolled in your benefit.
  5. Once you verify your identity, you will be asked to provide answers to your security questions.
    1. Save your answers to these questions because you may be asked to provide these answers again.
  6. Create your username and password.
    1. Note that you will be prompted to accept the HSA agreements when you log in for the first time.

Download the HRA Plan Fact Sheet

Since EMPOWER customizes the HRA to meet each Employer’s needs, each HRA Plan is different. Because of this, this page does not include specific information about your HRA. However, EMPOWER has provided a document on that you can download from the Online Portal that explains the specifics of your HRA. This Plan Fact Sheet provides information on the following:
  • Whether there are separate HRA reimbursement levels available to singles and families.
  • How much the HRA will reimburse.
  • Eligible Expenses.
  • What amount (if any) the employee must pay for before the HRA pays.
  • Coinsurance and Copays.
  • How much in HRA funds can be carried over to the next Plan Year.

How To Download the HRA Plan Fact Sheet

  1. Log into the EMPOWER Online Portal.
  2. Click on Tools & Support.
  3. On the Tools & Support Page, click on the HRA Plan Fact Sheet link to download.

Use Your Benefits!

Eligible Expenses

Only eligible expenses are allowed with the HSA. Click the below link to view a list of eligible expenses.

How to Get Reimbursed

How To Get Reimbursed

  1. Print off and save the latest copy of your insurer’s Explanation of Benefits or Benefits Summary Sheet.
  2. Download the HRA Claim Form.
  3. Complete, sign and submit the form to EMPOWER.

Reimbursement Methods

EMPOWER offers the following methods to access your FSA funds:

  • By default, you will receive a mailed reimbursement check unless you add your bank account and set your secondary payment method on the online portal (if permitted by your Employer).
  • Receive a direct deposit to your bank account by following the instructions below (if permitted by your Employer).

How to Enable Direct Deposit

How To Enable Direct Deposit Online

Add Bank Account
  1. Log into the EMPOWER Online Portal.
  2.  On the Portal homepage, hover your cursor over the Accounts tab.
    1. Click on Banking/Cards under the Accounts tab.
  3. On the Banking/Cards page, click Add Bank Account.
    1. Enter your banking information and click the Submit button.
 
Validate Bank Account through Micro-Deposit
  1. Within the next two business days, EMPOWER will make a deposit and withdrawal under $1.00 in your account. Look for this transaction in your bank account.
  2. After this transaction has occurred, you will see a new task in the task section on the homepage of your Online Portal.
    1. Click the task.
    2. Enter the dollar value of the micro-deposit to confirm ownership of the account.
 
Change Alternate Payment Method to Direct Deposit
  1. Log into the EMPOWER Online Portal.
  2. On the Portal homepage, hover your cursor over the Accounts tab.
    1. Click Payment Method under the Accounts tab.
  3. On the Payment Method tab, click the Update button (click on all submit buttons if there are multiple).
    1. On the Payment Method/Update Payment Method screen, click the radio button next to Direct Deposit.
    2. Click the Submit button.

How To Enable Direct Deposit with a Form

  1. Download the Direct Deposit Form.
  2. Follow the instructions on the form. 

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

EMPOWER LOGIN

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.

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.