CareGain® is the most comprehensive healthcare banking platform available today, enabling health plans and third party administrators to completely control branding, pricing, and end-to-end CDH plan design, account management and electronic payment.

Through CareGain®, health plans gain total ownership of the CDH member experience from plan design through control over all CDH related spending accounts including Health Savings Accounts (HSAs), Health Reimbursement Arrangements (HRAs), and Flexible Spending Accounts (FSAs).
CareGain’s flexible and efficient plan design provides an infinite selection of customizable CDH offerings as stand-alone options or as a combination of FSAs, HRAs and HSAs. Once plans are established, CareGain enables the management of employer/subscriber funding and payments to service providers or subscribers, in addition to automating claims processing dramatically reducing paper and labor costs.

Through CareGain®, health plans establish branded online employer/subscriber self-service portals for plan and CDH-related spending and investment account management, deepening the relationship with CDH plan members. CareGain’s integrated transaction processing (ACH, BillPay, credit card transactions, etc.) enables health plans to gain full visibility into CDH member sub-deductible spending – consumer spending against medical costs that occurs before HDHP deductibles kick in.

Additional key features and benefits include:

		Patent-pending sub-accounting and record-keeping services
		Full visibility into transactional activity under the deductible
		ACH transaction management and electronic payment clearance and settlement services
		Online bill payment processing to providers and merchants
		Integrated and co-brandable debit and credit card management for FSA, HRA, and HSA accounts including multi-purse management, stacked plans, line of credit, and incentive rewards
		Online and offline monthly statement generation
		Integration of line of credit and risk scoring for healthcare-related credit
		Investment account custodial services, healthcare asset allocation, and trade clearance
		CDH member access to over 30,000 mutual funds from dozens of asset managers via integrated investment trading platform
		IRS form processing and filing
		Fraud detection and management
		Tier I and II customer support
		Real-time claims substantiation and adjudication