Elevate Your Benefits Strategy with InComm’s Benefit Product Suite

In today’s workplace, employee benefits are more than just a checkbox—they’re a strategic tool for attracting and retaining talent, improving employee satisfaction and managing costs. But delivering meaningful benefits while navigating compliance and administrative complexity can be a challenge.

That’s where InComm Benefits comes in.

Our Benefits Product Suite is designed to help HR leaders and benefits brokers offer smarter, more flexible solutions that meet the needs of a modern workforce. From healthcare savings to commuter perks, we’ve built a platform that simplifies administration, boosts engagement, and delivers real value to employees and employers alike.

A Smarter Way to Manage Healthcare Spending

Health Savings Accounts (HSAs) have become a cornerstone of modern benefits strategies, and InComm’s HSA solution takes it a step further. It’s built for both savers and spenders, offering flexibility, automation and real financial incentives.

With one card, employees can access multiple accounts—including a backup account for shortfalls or ineligible expenses. This setup makes it easier to manage healthcare costs without juggling multiple tools or platforms.

What sets our HSA apart is its built-in savings incentive. Employees earn 2% cash back on eligible purchases, up to $200 annually.2

That’s not just a perk—it’s a way to encourage usage and help employees stretch their healthcare dollars further.

The experience is designed to be intuitive and low-maintenance:

• Automated tools identify eligible expenses, reducing confusion.
• No need to scan receipts—transaction records are saved automatically.
• Funds can be set to invest automatically each month.
• Personalized notifications guide users throughout the year.

It’s a solution that supports both everyday spending and long-term savings, while giving employers a powerful tool to drive engagement and retention.

Flexible Spending That Works for Everyone

Flexible Spending Accounts (FSAs) remain a popular choice for employers looking to offer tax-advantaged healthcare support. InComm’s FSA card makes it easy for employees to pay for eligible health-related expenses at participating stores and medical offices.

The card is designed to uncover savings opportunities that might otherwise be missed. It sends reminders about covered travel expenses and helps employees identify overlooked costs. Claims are simple to submit, and reimbursements are processed electronically—no paperwork, no delays.

For employers, FSAs offer a way to reduce payroll taxes while giving employees more control over their healthcare spending. It’s a win-win that supports financial wellness and operational efficiency.

Customizable Support with HRAs

Health Reimbursement Arrangements (HRAs) offer flexibility that few other benefits can match. InComm’s HRA solution puts employers in control, allowing them to tailor the program to fit their workforce.

You decide whether the company or the employee pays first. You choose which expense categories are covered—medical, dental, vision, prescriptions, over-the-counter items, even travel. You set the rules for fund carryover and spending limits.

For employees who also have HSAs, we offer a limited-purpose HRA that covers dental and vision expenses. It’s a thoughtful addition that helps bridge coverage gaps and support holistic care.

This level of customization makes HRAs a powerful tool for employers who want to offer meaningful support without overextending budgets. And with InComm’s platform, setup and management are straightforward.

Commuter Benefits That Keep Up with Life

Commuting isn’t one-size-fits-all, and our commuter benefits platform reflects that. Employees can use pre-tax dollars to pay for transit and parking, helping them save money while reducing taxable income.

The commuter benefits card works with Apple Wallet, Google Pay, Samsung Pay and Fitbit Pay, making it easy to use on the go. Employees can reserve parking through SpotHero, avoiding the hassle of daily logistics.

Contributions are flexible and adjust automatically when commutes change. Employers can set balance limits to prevent overfunding, and employees can move funds between accounts as needed. It’s a dynamic solution that adapts to real-world needs.

COBRA and Direct Billing Made Simple4

Life happens—and when it does, employees need support that’s reliable and easy to access. InComm’s COBRA and Direct Billing solution helps employees maintain coverage during transitions, whether due to job changes, family events or other qualifying circumstances.

Employers get a secure, web-based portal with 24/7 access to beneficiary data, payment history and reports. Our team includes HIPAA- and COBRA-certified specialists who provide expert guidance and support.

We also offer open enrollment services and automated compliance reporting, helping employers stay aligned with regulatory requirements. It’s a solution that reduces risk and ensures continuity of care.

Built for HR Leaders and Benefit Brokers

We know that HR leaders and benefits brokers are under pressure to deliver results. You’re balancing cost control, compliance, employee satisfaction and strategic planning all at once. That’s why our Benefits Product Suite is built to support your goals.

Here’s what sets us apart:

• Integrated platform: All benefits under one roof, reducing complexity and improving data visibility.
• FDIC-insured accounts  1: Peace of mind for employees and employers alike. 
• Seamless digital experience: Mobile-friendly tools, automated workflows, and intuitive interfaces.
• Customizable features: Tailor benefits to your workforce and brand.
• Compliance support: Stay ahead of regulatory changes with built-in reporting and alerts.

Whether you’re managing a small team or a national workforce, our suite scales to meet your needs. And with our deep expertise in payments technology, you get a partner who understands both the operational and strategic sides of benefits administration.

Ready to Take the Next Step?

If you’re looking to elevate your benefits strategy, simplify administration and deliver more value to your employees, InComm Benefits is here to help. Our suite is designed to meet the needs of today’s workforce while giving you the tools to stay ahead of tomorrow’s challenges.

Visit https://incomm.com/benefits to learn more or connect with our team for a personalized demo.