Smarter Benefits. Lower Costs. Empowered Employees.
Enhance your benefits package and reduce tax liabilities through expertly managed Consumer-Directed Healthcare (CDH) Accounts. Powered by the Driven125 platform, our administration services deliver healthcare savings accounts with confidence, ease, and compliance.
Why Offer Consumer-Directed Healthcare Solutions?
Without the right administration partner, HR teams often face manual processes, complex compliance requirements, and a constant stream of employee questions about healthcare accounts.
Common challenges include:
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Paper-heavy processes that slow down reimbursements and claims handling
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Compliance risk related to IRS or Department of Labor requirements
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Payroll tracking complications for pre-tax contributions
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Employee confusion around eligible expenses and account rules
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Increased HR workload during enrollment and plan changes
Consumer-Directed Healthcare (CDH) accounts like HSAs, FSAs, and HRAs help eliminate these pain points while delivering meaningful value to both employers and employees.
With the right strategy and support, CDH programs become a powerful tool to:
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Attract and retain top talent with competitive benefit options
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Lower payroll tax liability through pre-tax contributions
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Help employees control healthcare expenses with flexible spending solutions
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Ensure compliance with IRS and Department of Labor requirements
CleartrackHR takes full ownership of your benefits administration — including account setup, employee education, compliance management, and ongoing support — all delivered through the secure Driven125 platform.
Employer Benefits
Reduce Payroll Tax Liabilities
Every pre-tax dollar contributed to HSAs, FSAs, or dependent care accounts saves you Social Security and Medicare taxes. Even modest participation delivers measurable savings while offering robust benefits.
Simplify Plan Administration
Our team manages administration, compliance, and reporting requirements—eliminating manual processes so HR leaders can focus on strategic goals.
Streamline Employee Communication
Pre-built communication templates, FAQs, and full-service mobile platform access ensure employees get the information and tools they need.
Employee Benefits
Empowerment Through Flexibility
Consumer-Directed Healthcare Solutions provide participants with control over healthcare spending, encouraging informed decision-making through tax-advantaged savings for medical and dependent care expenses.
Intuitive User Experience
Driven125’s mobile app and online portal enable employees to:
- View account balances and claim statuses
- Submit documentation and manage debit card activity
- Access eligible expense lists
- Track reimbursements and contribution history
24/7 Support
AI-powered “Let’s Chat” virtual assistant provides instant answers to common questions and escalates complex issues to live representatives when needed.
Make benefits administration easier for your team and more valuable for your employees.
The Driven125 Suite
Health Savings Account (HSA)
- Pre-tax contributions for High Deductible Health Plan (HDHP) participants
- Tax-free qualified expense usage
- Employee-owned funds roll over year-to-year
Flexible Spending Account (FSA)
- Pre-tax healthcare or dependent care contributions
- Must be used within the plan year or the grace period
- Reduces taxable income and increases take-home pay
Health Reimbursement Arrangement (HRA)
- Employer-funded account for medical plan costs and eligible expenses
- No employee contributions required
- Flexible plan design and funding options
Dependent Care FSA (DFSA)
- Pre-tax dollars for qualified dependent care expenses
- Ideal for working parents and caregivers
Technology That Works
Driven125 Debit Card
Integrated card provides real-time fund access with automated claim substantiation, accepted at eligible merchants and medical providers.
Driven125 Mobile App
Features include:
- Fast navigation and mobile-responsive design
- Claim viewing, receipt submission, and account management
- Secure access with multifactor authentication
Employer Portal
The administrator dashboard offers:
- Real-time reporting and insights
- File import status tracking
- Employee-specific account data access
"Let's Chat" Virtual Assistant
AI-powered chatbot provides 24/7 answers about claims, receipts, balances, and eligibility, with seamless handoffs to customer service when needed.
The Driven125 Difference
Exceptional technology backed by real people. Our clients benefit from:
- Dedicated account manager for implementation, onboarding, and ongoing service
- Non-commissioned benefits counselors for employee education
- Secure, compliant system built on industry-leading infrastructure
- Proven results from 30+ years of benefits administration experience
We’ve helped organizations across all industries enhance benefits offerings, reduce payroll taxes, and improve employee satisfaction through strategic CDH planning.
Let's Build Your CDH Strategy
Consumer-directed healthcare solutions don’t need to be complicated and time-consuming. With CleartrackHR and the Driven125 platform, you get a partner who understands compliance, supports your team, and empowers your employees.
Schedule a consultation to learn how CDH administration can fit into your broader benefits strategy and help you build a healthier, more financially confident workforce.
