What you need to know
Rentokil offers two types of tax-advantaged accounts: The Health Savings Account (HSA) and the Health Care Flexible Spending Account (HCFSA). These accounts:
- Are administered by Inspira Financial
- Allow you to save money, tax-free, to use for eligible expenses such as copays, coinsurance, deductibles, prescription drug costs, and dental and vision expenses
Which account you’re eligible for depends on your medical plan. Check out the comparison chart to learn more about each type of account.
How the HSA and HCFSA compare
The HSA and HCFSA work differently. See how they compare.
Which medical plan do I need to be enrolled in?
How much can I contribute?
What can I use the money for?
How do I use the money?
Do I lose unused money?
What’s the deadline to submit expenses?
HSA
Highmark CDHP 3750, CDHP 2250, & CDHP 2250 HPN
If you only cover yourself: $4,400
If you cover others: $8,750
If you’ll be 55 or older by the end of 2026, you can make an additional catch-up contribution of $1,000.
If you cover others: $8,750
If you’ll be 55 or older by the end of 2026, you can make an additional catch-up contribution of $1,000.
Eligible out-of-pocket medical, prescription, dental, and vision expenses, as well as over-the-counter medications and supplies for yourself and your eligible dependents.
Learn more about eligible expenses.
Learn more about eligible expenses.
Use the debit card you receive from Inspira Financial to pay for qualified healthcare expenses or login to submit for reimbursement at InspiraFinancial.com.
No. Your unused balance rolls over from year-to-year and, if over $1,000, can be invested. The money stays with you, even if you leave Rentokil.
There is no deadline for submitting expenses. You can reimburse yourself for out-of-pocket expenses at any time, as long as the expenses were incurred after you opened your HSA.
FSA
Highmark PPO 1000 & PPO 1000 HPN, Kaiser HMO, HMSA PPO or if you waive medical coverage
You can contribute up to $3,300.
Eligible out-of-pocket medical, prescription, dental, and vision expenses, as well as over-the-counter medications and supplies for yourself and your eligible dependents.
Learn more about eligible expenses.
Learn more about eligible expenses.
Use the debit card you receive from Inspira Financial to pay for qualified healthcare expenses or login to submit for reimbursement at InspiraFinancial.com.
Yes. You can carry over up to $680 of unused funds into the next year. Any remaining unused funds above that amount are forfeited.
You must submit expenses by March 31 of the following year.
Click the tiles below to learn more about the different types of accounts.
Health Savings Account (HSA)
The HSA stretches your healthcare dollars. Available if you’re enrolled in the Highmark CDHP or CDHP HPN.
Health Care Flexible Spending Account (HCFSA)
The Health Care FSA offsets out-of-pocket healthcare costs. Available if you’re enrolled in the Highmark PPO or PPO HPN, Kaiser HMO, HMSA PPO, or if you waived medical coverage.