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FREQUENTLY ASKED QUESTIONS

Below lists out many of the most commonly asked questions.

In the event you are unable to find an answer to your question, please submit a contact us form or send an email to customerservice@esgcorp.biz and a representative from the ESG team will respond shortly.

The IRS has released 2025 contribution limits for FSAs, HSA and commuter benefits:

FSA (medical, limited, and combination FSAs): $3,300 per year

FSA carryover: $660 per year

Commuter benefits: $325 per month

QSEHRA: $6,300 single ($12,800 for family coverage)

HSA: Single $4,300 and Family $8,550 per year


View full comparison breakdown here


To establish an employee benefit plan, please contact ESG and one of our representatives will provide you with options available to enroll your group..


Eligibility criteria may vary depending on the specific benefits program. Generally, full-time employees who work at least 30 hours per week are eligible for our benefits programs. Some programs may also have specific eligibility requirements based on job title or length of service.


An HSA, or Health Savings Account, is a tax-advantaged savings account that you set up to pay for qualified medical expenses for you and/or your spouse and dependents.

To qualify for an HSA:

  • You must have a high deductible health plan (HDHP)
  • You must not be covered under any non-HDHP health plans
  • You must not be enrolled in Medicare
  • You can't be claimed, or be eligible to be claimed, as a dependent on someone else's tax return


Qualified medical expenses that can be paid for with HSA funds include deductibles, copayments, prescriptions, and certain medical procedures and services. For a complete list of qualified expenses, please refer to our HSA+FSA expense list page.


The Health Savings Account (HSA) triple tax advantage refers to the unique tax benefits associated with HSAs, which are specialized accounts designed to help individuals save and pay for qualified medical expenses. The "triple tax advantage" refers to three key tax benefits that HSAs offer:


  1. Tax-Deferred Contributions: Contributions made to an HSA are pre-tax, meaning they are deducted from your gross income before calculating your taxable income. This reduces your overall taxable income for the year, which can result in lower income tax liability.
  2. Tax-Free Earnings: The funds in an HSA can be invested, and any earnings on those investments are tax-free. This means that the growth and dividends earned on the investments within the HSA are not subject to capital gains taxes.
  3. Tax-Free Withdrawals: When you use the funds in your HSA to pay for qualified medical expenses, those withdrawals are also tax-free. This includes payments for a wide range of medical costs, such as doctor's visits, prescription medications, dental and vision care, and more.


In essence, the HSA triple tax advantage allows individuals to contribute to the account with pre-tax dollars, earn investment returns tax-free, and withdraw funds for eligible medical expenses without incurring taxes. This combination of tax benefits makes HSAs a powerful tool for managing healthcare costs and saving for medical expenses in a tax-efficient manner. It's important to note that in order to take full advantage of the triple tax benefits, you need to use the HSA funds solely for qualified medical expenses.


ESG HSA program offers both self-directed and mutual fund investment options available for investing excess cash held in your ESG HSA bank account. These funds are invested by you based on your investment objectives and goals, ESG is not an investment advisor. Results of mutual funds are reported monthly and available for your review and possible reallocation of funds. You can personally control the investment of funds held in excess of $2,500 (minimum cash for day-to-day healthcare expenses).


The Consolidated Omnibus Budget Reconciliation Act (COBRA) allows eligible participants to elect continuation coverage for a certain period after experiencing a qualifying event that would otherwise result in the loss of group health coverage. Generally, eligible individuals have 60 days to elect COBRA coverage after the qualifying event.


It's important to note that the 60-day clock starts ticking from the later of two dates: either the date of the qualifying event or the date the individual receives the COBRA election notice from the employer or plan administrator. This notice typically needs to be provided within 14 days after the plan administrator receives notice of the qualifying event.


Keep in mind that COBRA rules may vary, and it's always advisable to check with the specific plan or employer to get accurate and up-to-date information regarding COBRA election timelines.


The Consolidated Omnibus Budget Reconciliation Act of 1985, commonly know as COBRA became effective in July of 1986. It was a mixture of legislation but is mostly known as a law mandating (most) employers to offer employees and/or their covered dependents the right to continue their group coverage should they experience a “qualifying event.”


All companies offering a group health plan are required to offer COBRA continuation coverage with the exception of 1) Employers with less than twenty employees; 2) Church Groups; and the Federal Government. The “Small Employer Exception” states employer groups with less than twenty employees on half the days in the previous calendar year (with part-time employees equaling a percentage of a full-time employee) are not required to offer continuation coverage during the current year. (Some states have lowered the minimum for the Small Employer Exception by mandating state continuation coverage similar to COBRA).


The six qualifying events are – termination of employment, reduction in work hours, employee’s death, divorce or legal separation, Medicare entitlement and loss of “dependent status.” Individuals experiencing a qualifying event are called “qualified beneficiaries” or “QBs.”


The length of time for COBRA continuation coverage is based upon the qualifying event experienced. Employees experiencing a termination of employment and a reduction in work hours shall be eligible for up to eighteen months of continuation coverage. Dependents experiencing an employee’s death, divorce, Medicare entitlement or a dependent (usually a child) who no longer qualifies as a “dependent” under the insurance company’s group contract are eligible for thirty-six months of coverage.


A multiple (or second) qualifying event is when a qualified beneficiary (with dependents) experiences a termination or employment or reduction in work hours and elects COBRA. During the eighteen months of continuation coverage, another qualifying event occurs (such as the employee’s death, divorce/legal separation, Medicare entitlement or loss of “dependent” status). At this point the dependents should be offered the right to extend their coverage for a total of thirty-six months from the employee’s original COBRA start date.


Employers are responsible for providing a COBRA Qualifying Event Letter explaining the employee’s (and covered dependents) continuation rights under COBRA. The employer has fourteen days from the later of the date of the qualifying event or the date coverage is lost to send this notification. Legislation states employers shall send the notification via first class mail to the last known address of the employee. The qualified beneficiaries then have up to sixty days to notify the employer of their decision to accept COBRA. Once accepted, they have up to forty-five days to make their first premium payment.


COBRA states you must provide an initial forty-five day grace period (from date of COBRA acceptance) to pay COBRA premiums. In most cases, premiums are retroactive back to the date coverage was lost, henceforth “continuation coverage.” After the initial payment, COBRA participants have a thirty day grace period. In other words, if June’s premiums are not postmarked by June 30th, coverage may be terminated.


Employees who are disabled within the first sixty days of COBRA continuation may be offered an eleven month extension (or a total of twenty-nine months) provided they receive a determination from the Social Security Administration (SSA) during the first eighteen months. Both the employee and covered dependents are eligible for this extension. If the person is considered to no longer be disabled during the extension period, COBRA coverage may be terminated.


A health reimbursement arrangement (HRA) allows employers to reimburse employees for various medical expenses listed in IRS Publication 502, which includes more than 200 eligible expenses. The type of HRA you have determines the eligibility of expenses.


For example, if you have a qualified small employer HRA (QSEHRA) or an individual coverage HRA (ICHRA), your organization can reimburse you for your individual health insurance premiums. But if you have an integrated HRA, also known as a group coverage HRA (GCHRA), your health plan premiums aren’t eligible for reimbursement. However, you may submit your copayments, coinsurance, and deductible amounts for reimbursement.

While the IRS initially prohibited employers from reimbursing employees tax-free for some medical items, the CARES act expanded eligible items to include over-the-counter medicines without a prescription and menstrual care products in 2020.


With an HRA, you can purchase the expenses that make sense for you and your family’s health. Check out our the list below to see what medical services and items are eligible for reimbursement to get the most out of your health benefit.


✔ : Items that are eligible for reimbursement
✔ RX : Items that are eligible with a prescription from your doctor
✔ NOTE : Items that are eligible with a note from your doctor
X : Items that aren't eligible for reimbursement


  • Acid controllers ✔
  • Acne medicines and treatments✔
  • Acupuncture✔
  • Adoption (associated medical expenses)✔
  • Adoption feesX
  • Alcoholism treatment✔
  • Allergy and sinus medicine and products✔
  • Alternative dietary supplements✔ NOTE
  • Alternative healers✔ NOTE
  • Ambulance and emergency health services✔
  • Anesthesia for dental treatments✔
  • Anesthesia for medical treatments✔
  • Anesthesia for vision treatments✔
  • Antacid✔
  • Anti-diarrheal medicine✔Anti-itch products✔
  • Antibiotic ointment✔
  • Artificial limb✔
  • Aspirin or other pain reliever✔
  • Asthma medicines or treatments (over-the-counter)✔
  • Baby bottlesXBaby oilX
  • Baby rash ointment✔
  • Bandages and related items✔
  • Birth control (over-the-counter)✔
  • Blood pressure monitor✔
  • Body scans✔
  • Braille books and magazines (additional amount only)✔
  • Breast enhancementX
  • Breast pumps & accessories✔
  • Breast reconstruction surgery (following mastectomy)✔ NOTEBreastfeeding classes✔
  • Cancer insurance premiums (Premiums are only reimbursable with a QSEHRA or ICHRA, not a GCHRA)XCanker and cold sore treatments (over-the-counter)✔
  • Car modifications✔ NOTE
  • Child or newborn care instructionX
  • Childbirth classes (charges for mother only)✔
  • Chiropractic care✔
  • Cholesterol test kits and supplies✔
  • Christian Science practitioners✔
  • COBRA premiums (COBRA premiums are only reimbursable with a QSEHRA, not an ICHRA or a GCHRA)✔
  • Cold and flu medicine✔
  • Compression or anti-embolism socks, stockings, or hose✔ NOTE
  • Concierge medical fees for future servicesX
  • Concierge medical fees for services received✔
  • Contact lenses and solutions✔
  • Contraceptives✔
  • Cord blood storage✔ NOTE
  • Cord blood storage (for unidentified future use)X
  • Corn and callus remover✔
  • Corneal keratotomy✔
  • Cosmetic procedures for birth defects or injury✔ NOTE
  • Cosmetic procedures or surgeryX
  • Cost of meals while attending medical conferencesX
  • Cotton swabsX
  • Cough drops and sore throat lozenges✔
  • Cough syrup✔
  • Counseling (marriage)X
  • CPR classesX
  • Dancing lessonsX
  • Dental and oral pain products (over-the-counter)✔
  • Dental care (non-cosmetic)✔
  • Dental insurance premiums (Premiums are only reimbursable with a QSEHRA or ICHRA, not a GCHRA)✔
  • Dental products for general healthX
  • Dental surgery✔
  • Dental veneers✔ NOTE
  • Dentures, bridges, etc.✔
  • Dependent care expenses (medical)✔
  • Dermatologist✔
  • Dermatology products✔ NOTE
  • Diabetic monitors and supplies✔
  • Diaper rash creams (over-the-counter)✔
  • Diapers and diaper servicesXDietary supplements✔ NOTE
  • Dietitian/nutrition services✔ NOTE
  • Doctor visits (medical)✔
  • Doctor-supervised weight loss program, such as for hypertension or heart disease✔ NOTE
  • Doula or birthing coach✔ NOTE
  • Drug addiction treatment✔
  • Drugs and medicines (over-the-counter drugs)✔
  • Drugs imported and FDA-approved✔
  • Drugs imported and not FDA-approvedX
  • Drugs purchased and consumed in another country that are legal in that country and the U.S.✔
  • Dyslexia treatment✔ NOTE
  • Ear drops and wax removal (over-the-counter)✔
  • ElectrolysisX
  • Exercise equipment✔ NOTE
  • Eye drops and treatments✔
  • Eye examinations✔
  • Eye surgery or treatment✔
  • Eye-related equipment/materials✔
  • Eyeglasses (prescription)✔
  • Face masks for COVID-19 protection✔
  • FaceliftsX
  • Feminine hygiene products (see menstrual care products below)✔
  • Fertility monitor✔
  • Fertility treatment✔
  • Fiber supplements✔
  • First aid kits✔
  • Fitness programs✔ NOTE
  • Flu shots✔
  • Fluoride treatments✔
  • Foam rollers (for pain relief)✔
  • Funeral expensesX
  • Guide dog (dog, training, care)✔
  • Hair regrowth productsX
  • Hair removalX
  • Hair transplantX
  • Hair treatmentsX
  • Hand lotionX
  • Hand sanitizer and sanitizing wipes for COVID-19 protection✔
  • Health club dues✔ NOTE
  • Health insurance premiums (Premiums are only reimbursable with a QSEHRA or ICHRA, not a GCHRA)✔
  • Health savings account (HSA) contributionsX
  • Hearing aids and batteries✔
  • Herbal or homeopathic medicines✔ NOTE
  • Home modifications✔ NOTE
  • Hospital insurance premiums (Premiums are only reimbursable with a QSEHRA or ICHRA, not a GCHRA)XHospital services and fees✔Household helpXHumidifier, air filter and supplies✔ NOTE
  • Immunizations✔
  • In vitro fertilization✔
  • Incontinence supplies✔
  • Infertility treatment✔
  • Insulin, testing materials and supplies✔
  • Laboratory fees✔
  • Lactation items and devices (for convenience)X
  • Lactose intolerance medication✔
  • Lamaze classes (charges for mother only)✔
  • Laser / LASIK eye surgery✔
  • Late payment feesX
  • Laxatives/stool softeners✔
  • Learning disability treatments✔
  • LED light therapy treatments✔
  • Lice treatment (over-the-counter)✔
  • Listening therapy✔
  • Lodging for dental or vision care✔
  • Lodging for medical care✔
  • Long-term care premiums (Premiums are only reimbursable with a QSEHRA or ICHRA, not a GCHRA)✔
  • Long-term care servicesX
  • Magnetic therapy✔ NOTE
  • Massage therapy✔ NOTE
  • Mastectomy-related special bras✔
  • Maternity clothesX
  • Meals at a hospital or similar institution (if the principal reason for being there is to receive medical care)✔
  • Medicaid/CHIP insurance premiums (Premiums are only reimbursable with a QSEHRA or ICHRA, not a GCHRA)✔
  • Medical abortion✔
  • Medical diagnostic services✔
  • Medical equipment and repairs✔
  • Medical literature, books, pamphlets, or audioXMedical monitoring and testing devices✔
  • Medical operations✔
  • Medical records charges✔
  • Medical X-ray fees✔
  • Medicare Part A, Part B insurance premiums (Premiums are only reimbursable with a QSEHRA or ICHRA, not a GCHRA)✔
  • Medicare supplement insurance premiums (Premiums are only reimbursable with a QSEHRA or ICHRA, not a GCHRA)✔
  • Menstrual care products (tampons, pads, liners, cups, sponges, and other similar products)✔
  • Mental health counseling✔
  • Midwife✔
  • Modified equipment (extra cost only)✔ NOTE
  • Monitors and test kits✔
  • Motion sickness medication✔
  • Multiplan insurance premiums (Premiums are only reimbursable with a QSEHRA or ICHRA, not a GCHRA)✔
  • Nasal sprays✔
  • Nasal strips✔
  • Norplant insertion or removal✔
  • Nursing services (wages and taxes)✔Nutritional supplements✔ NOTE
  • OB/GYN fees✔
  • Occlusal guards to prevent teeth grinding✔
  • Occupational therapy (for medical / disability)✔
  • Optometrist or ophthalmologist fees✔
  • Organ transplants (recipient and donor)✔
  • Ortho keratotomy✔
  • Orthodontia (braces and retainers)✔
  • Orthopedic and surgical supports✔
  • Orthopedic shoes and inserts✔ NOTE
  • Orthotics✔
  • Ovulation monitor✔
  • Oxygen✔
  • Physical exams✔
  • Physical therapy✔
  • Physical therapy supplies✔
  • Physician retainer feeX
  • Pregnancy tests✔
  • Premium tax credits (the portion of insurance premiums that tax credits cover)X
  • Prescribed drugs for cosmetic purposesX
  • Prescription drugs✔
  • Prescription insurance premiums (Premiums are only reimbursable with a QSEHRA or ICHRA, not a GCHRA)✔
  • Psychiatric / therapy✔
  • Radial keratotomy✔
  • Reading glasses✔
  • Short-term medical insurance premiums (Premiums are only reimbursable with a QSEHRA or ICHRA, not a GCHRA)✔
  • Sleep aids and sedatives (over-the-counter)✔
  • Smoking cessation (programs/counseling)✔
  • Smoking cessation drugs, nicotine gum, or patches✔
  • Special equipment✔ NOTE
  • Special foods✔ NOTE
  • Special school (for mental and physical disabilities)✔ NOTE
  • Speech therapy✔
  • Spermicidals✔
  • Splints, supports, and braces✔
  • Sterilization✔
  • Stomach remedies/aids for indigestion✔
  • Sunglasses (prescription)✔
  • Sunscreen / sunblock and creams with SPF 15+✔
  • Sunscreen / sunblock with SPF <15 or suntan lotionX
  • Surgery (non-cosmetic)✔
  • Swimming lessons (for general health)X
  • Swimming lessons (for therapy)✔ NOTE
  • Take-home urinary tract infection test✔
  • Teeth bleaching or whiteningX
  • Toothpaste, medicated (difference in cost only)✔ RX
  • Toothpaste, toothbrush, floss, etc.X
  • Transgender treatments/surgery✔ NOTE
  • Transportation and parking (to dental or vision care)✔
  • Transportation and parking (to eligible medical care)✔
  • TRICARE insurance premiums (Premiums are only reimbursable with a QSEHRA or ICHRA, not a GCHRA)✔
  • Tubal ligation✔
  • Tuition or educational classes✔ NOTE
  • Urological products✔
  • UV protection clothingX
  • Vaccinations✔
  • Varicose vein removal surgery (for medical care)✔
  • Vasectomy✔
  • Vision care✔
  • Vision insurance premiums (Premiums are only reimbursable with a QSEHRA or ICHRA, not a GCHRA)✔
  • Vision operations✔
  • Vision products✔
  • Vitamins✔ RX
  • Vitamins (for general health)X
  • Walking aids (canes, walkers, crutches)✔
  • Wart removal treatments✔
  • Weight loss drugs✔ RX
  • Weight loss foodsX
  • Weight loss program (for general health)X
  • Wheelchair and repairs✔
  • Wound care✔



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