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Hydrotherapy with a Letter of Medical Necessity (LMN) is eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), a health reimbursement arrangement (HRA). Hydrotherapy is not eligible with a dependent care flexible spending account (DCFSA) or a limited-purpose flexible spending account (LPFSA). HRA HSA FSA Limited Purpose FSA Dependent Care FSA HRA HSA FSA Limited Purpose FSA Dependent Care FSA Eligible Eligible with Rx Eligible with LMN Eligible Eligible with Rx Eligible with LMN < Back Hydrotherapy Hydrotherapy with a Letter of Medical Necessity (LMN) is eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), a health reimbursement arrangement (HRA). Hydrotherapy is not eligible with a dependent care flexible spending account (DCFSA) or a limited-purpose flexible spending account (LPFSA). Learn More Previous Next

Digestive aids are over-the-counter (OTC) medicines eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Digestive aids are not eligible for reimbursement with a limited-purpose flexible spending account (LPFSA) or a dependent care flexible spending account (DCFSA). HRA HSA FSA Limited Purpose FSA Dependent Care FSA HRA HSA FSA Limited Purpose FSA Dependent Care FSA Eligible Eligible with Rx Eligible with LMN Eligible Eligible with Rx Eligible with LMN < Back Digestive Aids Digestive aids are over-the-counter (OTC) medicines eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Digestive aids are not eligible for reimbursement with a limited-purpose flexible spending account (LPFSA) or a dependent care flexible spending account (DCFSA). Learn More Previous Next

Mouth wash is not eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), limited-purpose flexible spending account (LPFSA) or a dependent care flexible spending account (DCFSA). HRA HSA FSA Limited Purpose FSA Dependent Care FSA HRA HSA FSA Limited Purpose FSA Dependent Care FSA Eligible Eligible with Rx Eligible with LMN Eligible Eligible with Rx Eligible with LMN < Back Mouth Wash Mouth wash is not eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), limited-purpose flexible spending account (LPFSA) or a dependent care flexible spending account (DCFSA). Learn More Previous Next

A fee associated with blood donation for subsequent use by the account holder, spouse or eligible dependent is a qualified medical expense with flexible spending accounts (FSA), health savings accounts (HSA) and health reimbursement arrangements (HRA). A fee for blood donation is not eligible for reimbursement for account holders or qualified dependents under limited-purpose flexible spending accounts (LPFSA) and dependent care flexible spending accounts (DCFSA). HRA HSA FSA Limited Purpose FSA Dependent Care FSA HRA HSA FSA Limited Purpose FSA Dependent Care FSA Eligible Eligible with Rx Eligible with LMN Eligible Eligible with Rx Eligible with LMN < Back Blood Donation A fee associated with blood donation for subsequent use by the account holder, spouse or eligible dependent is a qualified medical expense with flexible spending accounts (FSA), health savings accounts (HSA) and health reimbursement arrangements (HRA). A fee for blood donation is not eligible for reimbursement for account holders or qualified dependents under limited-purpose flexible spending accounts (LPFSA) and dependent care flexible spending accounts (DCFSA). Learn More Previous Next

Dental dams are eligible for reimbursement with flexible spending accounts (FSA), health savings accounts (HSA), and health reimbursement accounts (HRA). Dental dams are not eligible for reimbursement with dependent care flexible spending accounts and limited-purpose flexible spending accounts (LPFSA). HRA HSA FSA Limited Purpose FSA Dependent Care FSA HRA HSA FSA Limited Purpose FSA Dependent Care FSA Eligible Eligible with Rx Eligible with LMN Eligible Eligible with Rx Eligible with LMN < Back Dental Dam Dental dams are eligible for reimbursement with flexible spending accounts (FSA), health savings accounts (HSA), and health reimbursement accounts (HRA). Dental dams are not eligible for reimbursement with dependent care flexible spending accounts and limited-purpose flexible spending accounts (LPFSA). Learn More Previous Next

To exercise your rights regarding your Personal Information, please contact Customer Service at 1-603-647-1147 Our Privacy Policy Human Resource Concepts, LLC (the “Company,” “us,” or “we”) respects your privacy and is committed to protecting it through our compliance with this privacy policy and any related addendums (collectively, the “Policy”). This Policy explains who we are, how we collect, use, and share personal information about you, and how you can exercise your privacy rights under applicable state laws. “Personal Information” is information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with an individual consumer or household. Personal Information does not include publicly available information from government records, de-identified or aggregated consumer information, or Personal Information that may be governed by other state or federal laws. This Policy applies to all individuals who access our website or related portals, engage with the Company as part of our delivery of third-party administration, human resources, payroll, and benefit consulting products and services (collectively, the “Services”), or who participate in our recruitment activities. We recommend that you read this Policy in full to ensure you are fully informed. By accessing or using our website or engaging with or receiving our Services, you agree to this Policy. This Policy may change from time to time (see Changes to Our Privacy Policy). Your continued use of our website, online portals, or your receipt of our Services after we make changes is deemed to be acceptance of those changes, so please check this Policy periodically for updates. You may find external links to third party websites on our website, and this Policy does not apply to your use of a third-party website. Personal Information We May Collect About You We may collect many types of Personal Information from you including: Your name, mailing address, email address(es), and telephone number; Job title, company, or organization; Your date of birth and social security number; The names of your dependents and their relationship to you; Cookies, web beacons, IP addresses, and similar identifiers related to your internet connection and the equipment that you use to access our website. “Cookies” are pieces of information that may be placed on your computer by a website for the purpose of facilitating and enhancing your communications and interaction with that website. The use of cookies is an industry-standard — you will find them at most major websites. Cookies, by themselves, do not tell us your email address or other personal information unless you choose to provide this information to us. However, once you choose to furnish our website with personal information, this information may be linked to the data stored in the cookie.; Details of your visits to our website, including traffic data, location data, logs, and other communication data and the resources that you access and use on our website; Usernames, passwords, and similar login information; Other Personal Information that is pertinent to providing our Services to you; and Any other personal information that you voluntarily choose to provide to us. Social Security Number, date of birth, etc. Sources of Personal Information We may collect Personal Information from you using a variety of sources including: Directly from you when you visit our website or login to one of our online portals; Directly from you when you contact us regarding our Services; Automatic data collection technologies from when you visit our website or login to one of our online portals. From your employer as part of our Services, such as when you enroll in your employer’s benefit, payroll, and administrative plans; and Directly from you when you provide it to us as part of our Services or when you apply for employment with us; and From your insurance carrier, healthcare provider, and payroll provider; and From your employer’s insurance broker In particular, within the last twelve (12 months), we may have collected the following categories of Personal Information from our customers and the recipients of our Services: How We Use Your Personal Information We may use or disclose the Personal Information we collect from you for one or more of the following purposes: To provide our Services to you and your employer. To provide, support, personalize, and develop our website, products, and Services. To create, maintain, customize, and secure any accounts that you maintain with us. To process your requests, purchases, transactions, and payments and prevent transactional fraud. To provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our responses. To help maintain the safety, security, and integrity of our website, products and Services, databases and other technology assets, and business. For testing, research, analysis, and product development, including developing and improving our website, products, and Services. To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations. As otherwise described to you when we collect your Personal Information. We will not collect additional categories of Personal Information or use the Personal Information we collected for materially different, unrelated, or incompatible purposes without providing you notice. We will store your Personal Information for as long as is reasonably necessary for the purposes for which it was collected, as explained in this Policy. In some circumstances, we may store your Personal Information for longer periods of time, for instance where we are required to do so in accordance with legal, regulatory, tax or accounting requirements. How We Disclose Your Personal Information We may share your Personal Information by disclosing it to third parties for business purposes. In most circumstances, “service providers” refer to our vendors and third parties with whom we contract to provide our Services to you and/or your employer. In the last twelve (12) months, we may have disclosed the following categories of Personal Information for business purposes: Sale and Sharing of Your Personal Information We do not sell your personal information or share it for purposes of cross-contextual behavioral advertising. Accordingly, our website does not respond to opt-out signals transmitted by your browser. Your Rights Regarding Your Personal Information Applicable privacy laws afford you rights regarding your Personal Information: Know & Access – You have the right to know what Personal Information we have collected about you, the sources from which we collected it, and to whom we disclose that information. You have the right to request that we disclose to you, in a readily usable format, specific information about our collection and use of your Personal Information over the past 12 months. Correction – You have the right to correct inaccurate Personal Information that we have collected from you and retained. Deletion – You have the right to request that we delete any of the Personal Information that we collected from you and retained, subject to certain exceptions. For example, we may retain your Personal Information if it is necessary to complete the transaction for which we collected the Personal Information, provide Services requested by you, comply with a legal obligation, detect security incidents, or troubleshoot to identify and repair errors in our network and internal systems. Non-Discrimination – We will not discriminate against you for exercising any of your rights under applicable privacy laws, including the rights set forth in this section. Sensitive Personal Information – California residents have the right to limit our use of “sensitive personal information” as defined under applicable California law. However, we do not use or disclose sensitive personal information for any purpose other than what is expressly permitted under California law. Verifying Requests Regarding Your Personal Information To exercise your rights regarding your Personal Information, please contact Customer Service at 1-603-647-1147, option 1. Only you, or someone legally authorized to act on your behalf, may make a request to know or delete related to your Personal Information. To designate an authorized agent, please complete our HIPAA Authorization Form and email the form to Customerservice@hrcts.com . You may also make a request to know or delete on behalf of your child by contacting Customer Service at 1-603-647-1147 , option 1 . You may only submit a request to know twice within a 12-month period. Your request to know or delete must: Provide sufficient information that allows us to reasonably verify you are the person about whom we collected Personal Information or an authorized representative, which may include: Account holder’s First and Last Name Account holder’s Date of Birth Account holder’s Address Account holder’s Employer Last 4 of account holder’s SSN Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it. We cannot respond to your request or provide you with your Personal Information if we cannot verify your identity or authority to make the request and confirm that the Personal Information relates to you. You do not need to create an account with us to submit a request to know or delete. However, we do consider requests made through your password protected account sufficiently verified when the request relates to personal information associated with that specific account. We will only use the Personal Information provided in the request to verify the requestor’s identity or authority to make it. Data which has retention criteria established by law cannot be deleted upon request. Response Timing and Format We will confirm receipt of your request within ten (10) business days. If you do not receive confirmation within the 10-day timeframe, please contact Customerservice@hrcts.com . We endeavor to substantively respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to another 45 days), we will inform you of the reason and extension period in writing. If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the 12-month period preceding our receipt of your request. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your Personal Information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance. We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request. Data Security Our employees are required to protect the confidentiality of your Personal Information and to comply with our established policies and procedures. In addition, our employees may access Personal Information only when there is an appropriate reason to do so, such as providing our Services, including administering your account and/or processing claims on your behalf. We have implemented appropriate physical, electronic and procedural safeguards, which comply with all applicable federal standards to protect your Personal Information. These measures are designed to secure your Personal Information from accidental loss and from unauthorized access, use, alteration, and disclosure. However, the safety and security of your Personal Information also depends on you. Where we have given you (or where you have chosen) a password for access to your account or our online portals, you are responsible for keeping this password confidential. We ask you not to share your password with anyone. Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your Personal Information, we cannot guarantee the security of Personal Information transmitted to us over the internet. Any transmission of Personal Information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on our website or related portals. Changes to Our Privacy Policy We may amend this Privacy Policy at any time and without notice to you, and it is our policy to post any changes we make to our Privacy Policy on this page. Please regularly check our website for the latest version of this Privacy Policy. If we make material changes to how we treat your Personal Information, we will notify you by Our email to the primary email address specified in your account. You are responsible for ensuring we have an up-to-date active and deliverable email address for you. The date this Privacy Policy was last revised is identified at the top of the page. Children Under the Age of 16 Our website and our Services are not intended for children under 16 years of age and we do not sell or share the Personal Information of children under age 16. No one under age 16 may provide any information to or on our website. However, as part of the delivery of our Services, we may receive personal information of dependent children under the age of 16. The Company will only collect such information after receiving verifiable parental consent. If we learn we have collected or received personal information from a child under 16 without verification of parental consent, we will delete that information. Contact Information CustomerService@hrcts.com

Swimming lessons are not eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), a health reimbursement arrangement (HRA), dependent care flexible spending account (DCFSA) or a limited-purpose flexible spending account (LPFSA). HRA HSA FSA Limited Purpose FSA Dependent Care FSA HRA HSA FSA Limited Purpose FSA Dependent Care FSA Eligible Eligible with Rx Eligible with LMN Eligible Eligible with Rx Eligible with LMN < Back Swimming Lessons Swimming lessons are not eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), a health reimbursement arrangement (HRA), dependent care flexible spending account (DCFSA) or a limited-purpose flexible spending account (LPFSA). Learn More Previous Next

ICHRAs are a type of Health Reimbursement Arrangement (HRA) that employers fund for their employees to purchase individual health insurance instead of offering a group health plan. Individual Covered HRA ICHRAs are a type of Health Reimbursement Arrangement (HRA) that employers fund for their employees to purchase individual health insurance instead of offering a group health plan. With ICHRAs, employees can shop for affordable and personalized coverage through the individual health insurance market and use their CHRA funds to pay for part or all of their insurance premiums. Employers any size can offer ICHRAs to all or a subset of employees based on defined classes and class rules, and there is no limit on how much an employer can contribute. About ICHRA The ICHRA program is available to businesses of any size, with eligibility determined by employee enrollment in individual health insurance or Medicare Parts A, B, or C. Employee eligibility can be influenced by selecting which employees are offered the ICHRA, with those eligible for a traditional group health plan being ineligible. There is no contribution limit, with amounts varying based on employee age, number of dependents, and class. The carryover and eligible expenses are also unlimited and determined by the employer, with options to reimburse premiums and all (or certain) 213(d) eligible expenses or limit reimbursement. Outline of Services For Small Businesses: As a small business owner, you face unique, including tight margins and the need to carefully manage costs. ICHRAs offer a solution by providing predictable, easy-to-budget healthcare for your employees. With ICHRAs, you can reduce the time and energy spent on administration, allowing you and your team to focus on growing your business and wearing many hats required in a business environment. Plus, ICHRAs can help you retain valuable employees by offering a competitive benefits package. Small businesses face a challenge in standing out in recruitment and retention by offering unique benefits. Since 2010, businesses with fewer than 200 employees have seen a of over 10 in providing health benefits. However, an ICHRA can be a cost-effective solution to support employees in covering healthcare expenses. For Large Employers: If you have a large workforce, healthcare costs can be unpredictable and difficult to manage. Group health coverage is subject to annual rate increases set by the insurance provider, leaving you with little control over your budget. However, with an ICHRA, you can set the terms of how much you'll fund your employees' healthcare and adjust contributions based on employee class, age, and family size. This can provide greater cost certainty, especially if you have a self-funded plan. By freeing up resources previously dedicated to administering employee benefits, you can focus on employee engagement and development, which can have a significant impact on your business. For employers with 50-plus full-time employees: If your company has 50 or more full-time employees, including full-time equivalent employees, in the previous, you are subject to the Affordable Care Act (ACA) employer. This means that you must offer minimum essential coverage to at least 95 percent of your full-time employees and their dependents. By an ICHRA, you fulfill the requirement of offering minimum essential coverage under the employer mandate. If you contribute a sufficient amount through your ICHRA that meets the affordability requirements of the ACA, you can avoid making any employer mandate payments required by the ACA. Why ICHRAs are the Ideal Healthcare Solution for Employees ICHRAs offer a personalized healthcare solution for employees, allowing them to select coverage that meets their specific needs. With declining of private-sector employers offering group health insurance, ICHRAs provide an opportunity for employers to support uninsured employees. Additionally, ICHRAs offer portability, allowing employees to retain their individual health insurance even if they change employers. Where can individual health insurance be found by my employees? Individuals have the option to purchase insurance coverage either from the government-run insurance marketplace or from a private insurance marketplace. Is it possible to provide both ICHRA and group health insurance? It is possible to provide both traditional group health insurance and an ICHRA however, it is not permissible to offer them to the same group of employees. Can a spouse's health insurance cover an employee's participation? The employee is eligible for the ICHRA if their spouse has individual health insurance. However, if the spouse is covered under an employer group health plan the employee is not eligible. In Conclusion The unpredictability of healthcare costs is a challenge for businesses of all sizes. ICHRAs are a new addition to the healthcare industry, and their impact is projected to be significant. As more employers seek ways to reduce risk and stabilize budgets while providing necessary healthcare and employee benefits, ICHRAs may be the solution. HRC Total Solutions, a third-party administrator, offers helpful tools, innovative technology, and responsive customer service to simplify employee benefits and allow businesses to focus on other areas.

A rental car necessary for transportation to or from a medical related appointment or stay (with the necessary documentation from a physician) is eligible with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Rental car reimbursement is not eligible with a limited-purpose flexible spending account (LPFSA) or a dependent care flexible spending account (DCFSA). HRA HSA FSA Limited Purpose FSA Dependent Care FSA HRA HSA FSA Limited Purpose FSA Dependent Care FSA Eligible Eligible with Rx Eligible with LMN Eligible Eligible with Rx Eligible with LMN < Back Rental Cars A rental car necessary for transportation to or from a medical related appointment or stay (with the necessary documentation from a physician) is eligible with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA). Rental car reimbursement is not eligible with a limited-purpose flexible spending account (LPFSA) or a dependent care flexible spending account (DCFSA). Learn More Previous Next

Speech therapy is eligible for reimbursement with flexible spending accounts (FSA), health savings accounts (HSA), and health reimbursement accounts (HRA). They are not eligible for reimbursement with dependent care flexible spending accounts and limited-purpose flexible spending accounts (LPFSA). HRA HSA FSA Limited Purpose FSA Dependent Care FSA HRA HSA FSA Limited Purpose FSA Dependent Care FSA Eligible Eligible with Rx Eligible with LMN Eligible Eligible with Rx Eligible with LMN < Back Speech Therapy Speech therapy is eligible for reimbursement with flexible spending accounts (FSA), health savings accounts (HSA), and health reimbursement accounts (HRA). They are not eligible for reimbursement with dependent care flexible spending accounts and limited-purpose flexible spending accounts (LPFSA). Learn More Previous Next

Transportation expenses for a person to receive medical care is eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), or limited purpose flexible spending account (LPFSA- dental, vision, and preventive care only). Transportation expenses for a person to receive medical care is not eligible with a dependent care flexible spending account (DCFSA). HRA HSA FSA Limited Purpose FSA Dependent Care FSA HRA HSA FSA Limited Purpose FSA Dependent Care FSA Eligible Eligible with Rx Eligible with LMN Eligible Eligible with Rx Eligible with LMN < Back Transportation expenses for person to receive medical care Transportation expenses for a person to receive medical care is eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), or limited purpose flexible spending account (LPFSA- dental, vision, and preventive care only). Transportation expenses for a person to receive medical care is not eligible with a dependent care flexible spending account (DCFSA). Learn More Previous Next

A chemical peel is considered a cosmetic procedure and therefore is not eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), limited-purpose flexible spending account (LPFSA) or a dependent care flexible spending account (DCFSA). HRA HSA FSA Limited Purpose FSA Dependent Care FSA HRA HSA FSA Limited Purpose FSA Dependent Care FSA Eligible Eligible with Rx Eligible with LMN Eligible Eligible with Rx Eligible with LMN < Back Chemical Peel A chemical peel is considered a cosmetic procedure and therefore is not eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), limited-purpose flexible spending account (LPFSA) or a dependent care flexible spending account (DCFSA). Learn More Previous Next