®
ADVANTAGEPLUS
HRA QUICK FACTS
LET YOUR EMPLOYER HELP PAY YOUR MEDIC AL E XPENSES
$
Get Free Money
To Help With
Medical Expenses
Get Free Money
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How? Your employer makes contributions to your health reimbursement arrangement (HRA) and you don’t pay
income taxes on that amount.
Think of your HRA as a savings account for medical expenses – as long as you spend the money in the account on qualified medical expenses, you won’t pay taxes on it. Find a list of qualified expenses online at Surency.com.
Take Control of Your Healthcare Costs
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You’ll have 24/7 access to your account through the Surency AdvantagePlus mobile app and through our secure,
online portal at Surency.com.
When the Surency AdvantagePlus Benefits Card is used to pay for qualified medical expenses, the amount is
automatically deducted from your HRA - no need to file claims.
Have questions? Customer service calls are answered by a live agent within an average of ten seconds.
With HRA
Save Money
Insurance does not cover all medical
costs. Use money in your HRA to pay
for out-of-pocket medical expenses such
as eyeglasses or contacts, copays and
deductibles, prescription medicines and
routine exams. In the example at the
right, Jane’s employer contributes $1,000
per year to her HRA. This example
shows how she can save with an HRA:
Employer Contribution:
Jane’s Out-of-Pocket Expenses Before
Meeting Deductible:
Copays:
Contact Lenses:
Eyeglasses:
Physician Office Visits:
Dental & Vision Exams:
Over-the-Counter Drugs:
Prescription Drugs:
Total Out-of-Pocket (Deductible Met):
Jane’s Out-of-Pocket Expenses After
Meeting Deductible:
Coinsurance:
Total Annual Out-of-Pocket Expenses:
Jane’s Total Savings:
Savings amounts in the example are provided by Surency for illustrative purposes only. You may save
more or less based on your own tax situation. Some states do not recognize these tax exclusions for
this program. No part of this document is tax, financial or legal advice. You should consult your own
legal and tax advisors regarding your personal situation and whether this is the right program for you.
Surency AdvantagePlus is administered by Surency Life & Health Insurance Company.
Without HRA
$1,000 $0
$0
$0
$0
$0
$0 $0 $0 $0 $150
$240
$100
$70
$150
$190
$100
$1,000
$400
$400
$400
$1,400
$1,000
surency life & health insurance company
866.818.8805
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