Participants

Take advantage of your benefits

You pay enough for healthcare, dependent care, commuter and more – you shouldn’t pay taxes on them too. That’s why csONE Consumer-Driven Benefits make saving simple. Access easy-to-use account management tools when you enroll in the benefits that are right for you.

Employee Account Login

To access the COBRA Portal, enter the registration code shown on your New Member Login Notice provided in your initial packet. If you did not receive the notice, or are having difficulty, please contact us.
FSA/HRA/HSA
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Eligible Products

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Employee Reimbursement Accounts are actually tax advantage programs. These pre-tax plans which can be adopted by your employer are designed to save you money on healthcare, child care and even commuting expenses. Because the funds in these accounts are pulled from your paycheck pre-tax, they lower your taxable income. That’s the first advantage, depending on which accounts your employer adopts the benefits stack up from there.


Flexible Spending Account (FSA)

Health FSA

With this account, you set aside the amount of money (up to the plan maximum) that you think you and your dependents will spend on qualified health expenses for the plan year. This amount will typically be taken from your paycheck each pay period in even increments over the plan year. The sfull election will be available to you day one of the plan year. However, if you do not use those funds, they will be forfeited.

Dependent Care FSA

his account allows a household to set aside up to $5,000 pre-tax for day care expenses. In order to be eligible for this account, the expense for care must be so that you (and your spouse if you are married) can work. The dependent must be claimed on your taxes and under 13 or incapable of self-care. These funds are also forfeited at the end of the year if they are not used.

Health Savings Account (HSA)

These accounts can only be paired with a Qualified High Deductible Health Plan. They can be used to pay for qualifying healthcare expenses. You can contribute to your HSA and so can your employer. There is no “use it or lose it” condition on an HSA. There is a federal maximum that you can contribute each year. With a csONE.com HSA, you can even invest funds over $2,000 in mutual funds. The HSA is portable, so you can take it with you if you leave employment. After age 65, you can use HSA funds for non-qualifying expenses.

Qualified Transportation Accounts (QTA)

QTAs, also known as Commuter Benefits may be setup by your employer to allow you to use pre-tax funds for expenses related to your commute to work governed by IRS Section 132. The funds can be used for transit provided by a train, bus, subway, ferry or vanpool. They can also be used for parking if you need to pay for parking to get to work.

Health Reimbursement Arrangement (HRA)

An HRA is an employer funded account that provides funds to offset healthcare expenses. These plans are unique for each employer, but in each case, the employer provides the funds. Employees cannot contribute to an HRA.

Required Forms


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Find out what account is right for you

Healthcare reimbursement accounts are not all created equal. To help you understand the differences between HRAs, FSAs, HSAs, and LP FSAs, take a look at the comparison chart we have provided.


csONE Smartphone App

csONE Benefit Solutions App

Save time and hassles while making the most of your HSA, HRA and FSA health benefit accounts by quickly checking your balances and details.

 

   


I want you to let you know how much I appreciate the excellent service you provided.  On a day that you were scheduled to be out of work, you took my call to your cell phone regarding a distraught employee who realized she had been scammed and compromised her csONE debit card. You had the card cancelled within 5 minutes! Outstanding customer service once again. Many thanks!
Maura S. - Benefit Specialist
csONE service and competency is the best I have worked with. They are worth double the price paid to any other HRA provider. In my career, I have had to fire two other HRA providers mid-term for incompetency and csONE came to the rescue. With minimal stress they straightened out the past errors and made the process painless. I have one client who is offered free HRA services from an insurer and they insisted they stay with csONE.
Mike K. - Broker
Our thanks to you and your crew for all the amazing work being done to get us up and running on short notice! It is very much appreciated.
Lisa C. - Manager
I really appreciate help that csONE has provided us. I just shared at a staff meeting how helpful everyone has been, and how easy it has been to communicate with everyone! Thanks again!
Lisa C. - Manager
I would absolutely recommend csONE as a TPA for any District or employer. Having gone through a full year of working with a TPA that was unable to do the job successfully, csONE has been a true breath of fresh air and relief to the District as well as all our employees.
Amadee D. - District Manager
Wow, time flies when you are having fun. Seriously, this has been a wonderful transition for us and really appreciate all you have done to to turn a difficult situation into a positive one.
Gibson S. - Manager
You provide us, and all our employee’s with such great service. Thank you so much!
Missy P. - Benefits Coordinator
csONE is absolutely the best to work with! Great customer service. Kudos to your team.
Mardie W. - HR Manager
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