Group Plan Administrator Guide

Welcome to your new role as a plan administrator! 

Before you go through the training, make sure you can follow along by logging into your account. 

If you need help setting up your password, watch the video below or read this article. 

Now that you are ready, get a jump start on your new role.

Spending Account Summary

Employees are given a spending account which can be used in addition to a traditional insurance plan as extra coverage or as a stand-alone benefit. In both cases, employees are given a set amount of credits each year that they can use to get reimbursed for eligible expenses.

The most common type of spending account is health, often referred to as a HSA. This account is tax-free and covers various health and dental expenses.

The process is for the employee to pay for the expense initially, and then submits their receipts to National HealthClaim for review. Once approved, the expense is funded by the employer and processed for reimbursement. Click here to read a more detailed description of this benefit that you are now a plan administrator for.

Watch the next set of videos for the most common tasks you will have to do:

1. Adding an employee -  click here for written instructions instead.

2. Overview of funding -  click here for written instructions instead. 

3. How employees can download and make claims using our mobile app - (click here for written instructions instead)

Hope this helps!

Summary

Welcome to your new role as a plan administrator (PA)! 

Employees are given a Spending Account which can be used in addition to a traditional insurance plan as extra coverage or as a stand-alone benefit. In both cases, employees are given a set amount of credits each year that they can use to get reimbursed for eligible expenses.

The most common type of spending account is a Health Spending Account, often referred to as a HSA. This account is tax-free. It can be set-up to cover Health, Dental, Vision, and Prescription expenses. Some HSAs are customized to only cover certain expenses out of the list, and can also include copay amounts. 

Another type of account is a Lifestyle/Wellness Spending Account (LSA). This account reimburses employees for wellness-related taxable expenses. Coverage varies between companies but can include things like monthly gym memberships.

A Flexible Spending Account is a combination of HSA and LSA where employees can allocate their yearly credits between the two, deciding where they need the coverage the most.

Get Started

Here is an overview of what we'll cover in this article.

• How reimbursement works
• The employee experience
• Main PA responsibilities

How reimbursement works 

Employees pay for the expense initially, and then submit their receipts to National HealthClaim for review. 

If they have insurance coverage, they must submit your expenses to all insurance providers, including other HSAs before using the NHC spending account. We are the last payor. Any time there is insurance coverage involved we require the detailed Explanation of Benefits document (EOB, sometimes called a Claim Statement) from all insurance providers including other HSAs, for each expense you are claiming. 

More information about EOBs found here.

Once a claim is approved, the expense is funded by the employer and processed for reimbursement. 

The employee experience 

Here is a link to our Quick Start Employee Training article.

Here is a link to all employee support articles.

Main PA responsibilities

• Adding employees
• Funding the account
• Removing employees 

For other tasks, click here to see all our plan administration training articles.