Integration with ADP
Inspira integrates with ADP Workforce Now® and ADP TotalSource® to share employee data securely. After you subscribe to Inspira, we’ll share next steps for how to purchase and use the data connector to integrate your data. Learn more about or purchase the Inspira Connector for ADP Workforce Now®. https://apps.adp.com/en-US/apps/300904 API Connection available for pre-tax funding. EDI Carrier Connection for all other file types.
Commuter Benefit Plan
Commuter Benefits allow employees to pay for certain workplace commuting expenses, including mass transit and parking, on a tax-free basis through payroll deductions, saving up to 30% on commuting purchases. The Beniversal Card ensures funds can be conveniently accessed at qualified mass transit and parking merchants accepting Debit Mastercard.
Mass Transit and Parking
- Employees can save on their way to and from work by paying for mass transit and parking expenses with a commuter benefit plan. The separate accounts – one for Mass Transit and one for Parking – meet the needs of your commuting employees, regardless of how they choose to get to work.
Simplified administration from Inspira (formerly BRI) offers:
- Convenient access to mass transit and parking funds from a single card
- Convenient tools for managing accounts, including BRiWeb, BRiMobile, and BRiAlerts
- Service-oriented staff with local support for major metropolitan areas
- Flexible funding arrangements
Flexible Spending Account
A Flexible Spending Account (FSA) can save employees up to 40% on expenses they already pay for. Depending on the type of FSA, employees can pay for certain medical expenses and/or dependent care expenses tax-free, through payroll deductions. They get instant access to funds through the Beniversal Card, reducing reimbursement wait time.
Medical FSA
- A Medical FSA allows employees to pay for qualified out-of-pocket medical, dental, and vision costs. These may include co-payments, office visits, prescription drugs, dental care and orthodontia, vision care, and over-the-counter drugs and medicines.
Dependent Care FSA
- A Dependent Care FSA allows employees to pay for eligible child or adult dependent care expenses such as daycare, before and after-school care, pre-school, day camps, and custodial care for a mentally or physically disabled adult dependent.
Simplified administration from Inspira (formerly BRI) offers:
- Easy access to Medical FSA funds from the Beniversal Card
- Alternate plan design options, including Rolling Medical FSAs and Limited Medical FSAs
- Convenient tools for managing accounts, including BRiWeb, BRiMobile, and BRiAlerts
- Comprehensive employer support for enrollments, education and program design
Health Savings Account
Do you offer a High-Deductible Health Plan? Health Savings Accounts (HSAs) allow individuals who are covered by an HSA-compatible health plan, including HDHPs, to save money to pay for eligible medical expenses on a tax-free basis.
These accounts offer a triple tax benefit
- Funds earn interest or can be invested and remain tax-free
- Funds automatically carry over each year
- Employees own the funds
Integrated Custodial Services
- We have integrated partnerships with industry-leading HSA custodians. Information is seamlessly exchanged with the HSA custodian to provide you with a best-in-class HSA experience.
Simplified administration from Inspira (formerly BRI) offers:
- Easy access for participants to funds from all their benefit accounts on a single card
- Convenient tools for managing accounts, including BRiWeb, BRiMobile, and BRiAlerts
- Flexible funding alternatives with file upload and direct deposit options
- Seamless implementation, with recommendations for transition strategies and plan changes to maximize HSA compatibility
- Opportunities for participants to invest in a best in class mutual fund
Health Reimbursement Account
A Health Reimbursement Account (HRA) is an employer-funded account designed to assist employees in paying for certain out-of-pocket medical expenses. With the passage of Health Care Reform, HRAs must generally be provided in conjunction with a major medical plan and are often offered in conjunction with high-deductible, low premium health insurance plans for a total savings in health care costs.
Be confident in your HRA plan design
- HRAs provide variety that can complement your total healthcare benefits strategy, including compatibility with other pre-tax benefits, maximizing savings for employers and employees. We guide you through choosing the best option for optimized cost containment and employee savings, including the different types of HRAs that can be supported.
Simplified administration from Inspira (formerly BRI) offers:
- Easy health care payments with HRA funds
- Streamlined online and mobile administration options through BRiWeb and BRiMobile
- A comprehensive, service-oriented solution
HRA Voluntary Employee Benefits Account (VEBA)
An HRA VEBA lets employees use tax-free dollars held in a Trust to manage healthcare costs for themselves and their dependents. Like an HSA, this type of account receives a triple-tax advantage: employer contributions into the account are tax-free, funds grow tax-free, and remain tax-free when used for eligible medical expenses!
Diverse Plan Design Options
- An HRA VEBA from is the perfect solution for public entities interested in protecting employees from rising health care costs. Plans can be designed to meet certain needs, including post-retirement healthcare expenses, embedding VEBA with an HDHP, or holding health care funds as a Governmental Accounting Standards Board (GASB) 45 prefunding plan.
Integrated Custodial Services
- Inspira (formerly BRI) has an integrated partnership with BPAS, a national provider of VEBAs and qualified retirement plans. The integration allows for single-sign-on (SSO) capabilities between BRiWeb and the BPAS portal, as well as robust investment opportunities for participants through an open-architecture investment platform.
Simplified administration from Inspira (formerly BRI) offers:
- Plan design flexibility
- Single multi-account platform integrated with FSA and transit (card access)
- Ability to match funds to a retirement plan
- Dedicated specialist there to answer questions and provide support
COBRA & Direct Billing Administration
COBRA coverage allows qualified beneficiaries the right to maintain group health benefits when coverage would otherwise be lost due to a qualifying event. However, navigating the complex IRS and DOL requirements can be daunting. We take the burden away and provide you with peace of mind through a compliant, no worry COBRA solution. We also offer Direct Billing Services for employers who need a solution outside of payroll deductions to collect premiums or other payments from employees.
Achieve legal and regulatory compliance
- Premium collection, notices, and reports
- Consistent, accurate legal and regulatory compliance for all services
- Document retention services
- Notices to qualified beneficiaries
Simplified administration from Inspira (formerly BRI) offers:
- COBRA enrollment and administration resources
- Coverage information
- Payment history
- Billing detail
- Reporting options
Specialty Accounts
A Specialty Account, also known as a Lifestyle or Wellness Account, allows employers to assist employees in paying for specific expenses. These are typically taxable benefits so you can avoid the legal and regulatory constraints placed on pre-tax accounts.
Flexible program design
- Select from a variety of predefined eligible expense categories or work with your assigned representative to design a program that best meets your needs. decide the rules regarding funding, eligibility, and maximum reimbursement amounts over a set period of time.
Common expense categories
- Medical Reimbursements
- Wellness Reimbursements – gym fees, equipment, online subscriptions
- Tuition Reimbursements – courses, certifications, licensing
- Specialty transportation expenses not eligible under a Commuter Benefit Plan – bike sharing, ride sharing, car pools
Reduced administrative burden
- We can help adjudicate claims and approve purchase reimbursements, removing the hassle of handling a unique benefits program.
Simplified administration from Inspira (formerly BRI) offers:
- Program design
- Enrollments
- Education