We Have An App!
100% Coverage
100% coverage on your dental, orthodontics, drugs, medical and vision expenses and lots more.
Save Money
Instead of paying for these expenses with personal money, you can save taxes and the expense is ultimately paid by the company.
Save Benefits
Works with a current benefit plan if you want it to, we’ll show you how.
Precise
Works for companies with just one employee (you), or several employees.
It’s Simple
If you aren’t using a health spending account you are wasting money, its simple to use, ask us how.
Need Help?
Email us and we can help you figure out how a Health Spending Account can help you save taxes.
Simple, Easy, Smart
- First, you pay for your health & dental expenses with personal money (after-tax income).
- Use the APP to submit a claim. You can also login on your computer.
- Once your claim is approved, money is pulled from your company bank account and deposited into your personal account.
- You have now been reimbursed for the expense and the company can write off the cost as a business expense.

SIMPLE, EASY, SMART
Using the APP on your phone saves time!
When you have a paper based system we know that several eligible claims aren’t processed each year because people forgot to do them, or lose their receipts, etc. With our smartphone app you can take a picture of the receipt the moment you get it, enter a few pieces of information in the app and its done.
Hence, You save time and will save money!
123 FAQ's
Why Should I use a Health Spending Account?
The answer is simple, if you aren’t using a health spending account, you are throwing money away!
Does it cost anything to setup a 123 Health Spending Account?
No, there are no setup fees, ever!
What receipt do I take a picture of?
You need to take a picture of the medical receipt, not your credit card receipt or statement, it needs to be the actual receipt from the pharmacy, dentist, chiropractor, etc.
What do I do with my receipts?
Because you are taking a picture of your medical receipt and sending it to us electronically you should keep your original receipts for 7 years.