HSA Account Holder Resources: Maximize Your Benefits
One HSA Card for Health and Everyday Items
The InComm Benefits HSA is designed for spending and saving with automated tools that find eligible expenses and give you Cash Back on purchases. Learn how this solution can simplify how you manage healthcare costs while earning Cash Back on eligible purchases.
HSA Features
Earn Cash Back 
The InComm Benefits HSA is the first HSA to offer you 2% Cash Back¹ when you use your HSA card.Â
- Use the card for in-store and online payments
- Convenient app tracks your Cash Back earned
- Cash Back is available for deposit each month and you can decide when to deposit the money to grow your savings²
One Card, Multiple Accounts
You can manage all your healthcare expenses with one card thanks to the InComm Benefits HSA app, which gives you the option to connect a Backup Account with your HSA. Instead of paying for eligible expenses with an HSA card and non-eligible expenses with multiple cards, use the InComm Benefits HSA card to pay all at once.Â
- Automatically separates purchases into eligible and non-eligible expenses, and pays out of their respective accounts: the HSA or the HSA Backup Account
- Automatically creates IRS-eligible proof of purchase
- Superior technology separates pre-tax and post-tax money
Spend Now, Contribute Later
Our unique Spend Now & Contribute Later feature enables you to purchase an eligible item with your own funds, then receive an automatically generated receipt on the InComm Benefits HSA app. The app will also notify you to contribute to your HSA after purchase, helping to ensure you do not miss out on tax breaks.
- Offers peace of mind if you’re short on available HSA funds
- Enables you to pay using your HSA Backup account and contribute to your account at a later time
- Automatically tracks healthcare expenses and reminds you to contribute to your HSA
- App automatically creates and saves proof of purchase for eligible items
- Reimburse yourself at any time
Tax-Free Investing
For Spenders interested in becoming Savers, the InComm Benefits HSA offers resources to help account holders learn about potential growth opportunities for their funds.
- Choose from a variety of market-leading mutual funds
- No minimum balance required
- Direct your dollars to be automatically invested each month
- Brokerage option for advanced investors
- Enjoy a triple tax advantage:
- Your contributions are tax-free
- Investment growth is tax-free³
- Withdrawals for medical expenses are tax-free
Travel Reimbursements
Rest easy knowing the InComm Benefits app helps you avoid missing eligible expenses, including travel reimbursements. We make it easy for users to get reimbursed for travel to health care providers through in-app guidance and reminders.
Personalized Notifications
The InComm Benefits app provides guided education and in-app notifications to proactively guide you through various tasks throughout the year.
- Find savings you might normally miss with a traditional HSA, like mileage reimbursements
- Learn how to invest HSA funds for potential growth opportunities
- See if you are missing expenses eligible for HSA funds during your routine shopping trips
Find HSA Eligible Expenses
The InComm Benefits HSA card automatically identifies which costs are HSA-eligible, detecting medical providers and over-the-counter (OTC) products and charging them to your HSA. Take the stress out of managing your healthcare expenses with automated tools that create receipts and proof-of-purchases for IRS documentation.
HSAs cover medical expenses and over-the-counter products, including:
Doctor and dentist visits
Eye exams
Travel expenses
LASIK surgery
Birth control
Menstrual products
Sunscreen SPF 30+
Fiber gummies
Antacid medicines
Lip balm
First aid kits
And much more
Want to learn more about expense eligibility?
Additional Resources
One place for all the latest from InComm Benefits in videos, articles, infographics, and more. We’re more than the average HSA provider—bringing you year-round education, industry insights, and employee resources.
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