ACS Department
METRO: 763-689-0111
TOLL-FREE: 855-369-5518
FAX: 763-689-6685
FLEX Department
METRO: 763-552-6053
TOLL-FREE: 888-507-6053
FAX: 763-552-6055



TPA Services

Health Reimbursement Arrangement (HRA)

The Educators Benefit Consultants (EBC) Health Reimbursement Arrangement (HRA) is a tax-free savings program that allows employees to be reimbursed for their eligible health care expenses. An HRA is an employer-sponsored benefit, established through the collective bargaining process for union employees or through a mandated personnel policy for non-union employees. Employer contributions made on behalf of employees into EBC’s HRA will be placed in a trust arrangement commonly referred to as a VEBA (Voluntary Employee Beneficiary Association) as established in Internal Revenue Code 501(c)(9). Any employers and employees participating in this program will abide by the rules set out in the Plan and Trust Documents provided by EBC.

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Health Savings Account (HSA)

A Health Savings Account (HSA) is a tax-exempt account established exclusively for the purpose of paying for qualified medical expenses incurred by the account beneficiary (eligible individual).

An HSA account is individually owned, which allows you to make decisions regarding contributions and deductions. HSA’s can be funded by you, your employer or both.

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Section 125 Flex Plan

A Section 125 Flexible Benefits Plan (Flex Plan) enables you to reduce your taxes and your employees’ taxes on eligible expenses. It is authorized under Section 125 of the Internal Revenue Code.

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403(b)/457 Administration and Compliance Service (ACS)

ACS Summary

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COBRA Summary

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