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Plan Options
Inside
Advantage
MyCare
Advantage
Self Assure Level Funding
Small Business
Advantage
UPMC
HealthyU
Spending Account Options
Group Networks
Healthy Employee Infographic
Tools for Employees
Spending Account Options
Our financial products can help your employees manage their health care dollars.
Flexible spending account (FSA) – UPMC Consumer
Advantage
® FSA
Typically funded by the employee with “pretax” dollars. An employer may make additional tax-free “flex credit” contributions to the FSA.
The balance cannot be carried over from year to year unless the employer gives members the option to roll up to $500 of unused funds year to year.
The account is owned by the employer. Unused balances are forfeited if the employee leaves.
Health savings accounts (HSAs) – UPMC Consumer
Advantage
® HSA
Must be paired with a qualified high-deductible health plan.
Both the employer and employee can contribute.
The balance can be carried over from year to year.
The employee owns the account and can take it when he or she leaves the company.
Health reimbursement arrangements (HRAs) – UPMC Consumer
Advantage
® HRA
Can be paired with any health plan.
Only the employer contributes to the account.
The balance can be carried over from year to year.
The employer owns the account. If the employee leaves the company, he or she can’t take the account to another company.
Qualified transportation accounts (QTAs) – UPMC Consumer
Advantage
® QTA
Can be paired with any health plan. Typically funded by the employee with “pretax” dollars. An employer may make additional tax-free “flex credit” contributions to the QTA.
Each account is entirely separate, and funds cannot be transferred from one to another.
The balance can be carried over from year to year.
The employer owns the account. If the employee leaves the company, he or she can’t take the account to another company.
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M-F, 8 a.m. - 5 p.m.
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M-F, 8 a.m. - 5 p.m.
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Have a question or need help choosing a plan?
1-888-383-8762
M-F, 8 a.m. - 5 p.m.
1-888-383-8762
M-F, 8 a.m. - 5 p.m.
Tools
Tax Credit Calculator
Eligibility Calculator
Learn More About
Our Products & Services
Knowledge Area
How Does Health Care Reform Affect My Business?
Helpful Definitions