Use Custom Flex to:
Check account balance, deposits and reimbursements

How It Works

Now, more than ever, healthcare dollars need t ogo further. With a Health Savings Account(HSA), you'll pay less in taxes and increase your take-home pay. So enroll in an HSA and keep more of the money you've earned. That's real savings, real simple.

What is a Health Savings Account (HSA)?

An HSA works wit ha high deductible heath plan (HDHP), and allows you to use before-tax dollars to reimburse yourself for eligible out-of-pocket medical expenses for you, your spouse and your dependents, which in turn saves you on taxes and increases your spendable income.

How It Works

You and/or your employer can deposit money into your HSA account, up to an annual per-person or family limit set by the IRS. When you enroll, an account will be created for you at a sponsor bank. You'll be given access to a secure, easy-to-use web portal where you can track your account balance, view your investment accounts and submit requests for reimbursements.

In addition, you'll receive a convenient Card to make it easy to access the money in your HSA. The card contains the value of your HSA account and you can use it to pay for eligible services and products not covered by your health insurance. When you use the card, payments are automatically withdrawn from your account, so there are no out-of-pocket costs and you won't have to submit receipts to verify the purchase. Just swipe the card and go. It's that easy!

You can use your HSA dollars and Your Card to pay for:

  • Routine healthcare: office visits, X-rays, lab work
  • Hospital expenses: room and board, surgery
  • Medications: prescription and over-the-counter (OTC) drugs when prescribed by a physician
  • Dental care: cleanings, fillings, crowns
  • Vision care: eye exams, glasses, contacts
  • Copays and coinsurance (the portions of health care bills paid by you)
  • Eligible over-the-counter (OTC) items* such as:
    • First Aid Dressings and Supplies - bandages, rubbing alcohol
    • Contact Lens Solutions/Supplies
    • Diagnostic Products like thermometers, blood pressure monitors ,cholesterol testing
    • Insulin and Diabetic Testing Supplies

*The list of eligible OTC items changed per the Patient Protection and Affordable Care Act of 2010. Contact your Plan Administrator for more information or visit for details.

The amount you save in taxes with a Health Savings Account will vary depending on the amount you set aside in the account, your annual earnings, whether or not you pay Social Security taxes, the number of exemptions and deductions you claim on your tax return, your tax bracket and your state and local tax regulations. Check with your tax advisor for information on how your participation will affect your tax savings.

This information highlights some of the benefits of a Card. If there is a discrepancy between this material and your official plan document, the plan document will govern. Custom Design Benefits reserves the right to amend or modify the services at any time.