BENEFIT TO PARTICIPANT                                  
Employers-Plan Sponsors Stable return on investment in best value benefits, resulting in greater attraction, satisfaction, retention, attendance, health and productivity of employees. 
Employees-Beneficiaries Flexibility of choice among best value, non-taxable benefits. Ease of purchase via health spending account & flexible benefits credit card. Cash-back rewards for purchase of additional health products and services.
Health Service Providers Greater competitive advantage & cross-selling opportunities through preferred provider status. Fast, accurate and easy payment processing for pharmacy, dental, optical, aural, therapeutic, and other health services.
Health Product Providers  Increased brand awareness, marketing and sales,  though direct, on-line supplementary benefit claim processing of proprietary drug and other health products.
Insurance Carriers Sale of catastrophic health coverage, reducing the volume of small claims processing and benefits administration costs.
Third Party AdministratorsReduction in difficulty and cost of claims processing, competitive advantage in marketing and client satisfaction.
Benefit Consultant/Brokers Enhanced marketing advantage,  client satisfaction/retention, sales and commissions. 
Credit Card Issuer  Trustee function for administration of non-taxable health spending account funds. Low risk card holders due to employment status and ability to cancel account when individual loses their employment. Interest charges on outstanding balances and card processing charges from health providers and other merchants. 

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