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Our Services


PIOPAC presently provides Flexible Spending Account (FSA), Limited FSA, Health Reimbursement Accounts (HRA) and Transportation Benefits administration services. PIOPAC administers all Plans in compliance with Internal Revenue Code Section 125 and 132 including Compliance testing, Nondiscrimination testing, and assistance with 5500 reporting and HIPAA support.

Combined Billing allows employers to transfer funds for a variety of services (i.e.: insurance premiums) to PIOPAC for disbursement to the various vendors, relieving the employer of the administrative burden of reconciling these accounts.


The PIOPAC Advantage


  • Experienced – 25 years in the benefits industry, 23 years of Combineds Billing, 16 years of Flexible Spending Account administration
  • Local, multi-lingual staff to service your account

  • Secure, online access to employer and participant data

  • Compilation of enrollment data (payroll deduction and salary redirection forms) and verification of payroll

  • Complete group maintenance – a variety of analysis reports are available online, as well as reconciliation of account funds & forfeitures

  • Compliance and Nondiscrimination testing

  • Assist with 5500 reporting

  • “PIOPAC” Mobile App to simplify the reimbursement process using technology

  • “BENNY™” Debit Cards good at over 40,000 retail merchants nationwide and no receipts required for substantiation

  • Custom benefit solutions offered through various carriers

  • Reduced fees available for electronic payroll transfers

  • Direct deposit available to participants

  • A PIOPAC representative is available to set up and maintain your account, and answer any questions you may have

  • 1-800 toll free number for Neighbor Island and Mainland participants

  • HIPAA portability & privacy support

  • Attractive and competitive fee schedule


NEW Secured website




Initialize your account today!

Get your balance

and submit claims online


Download your NEW “PIOPAC”

Mobile App below:



Mobile App
for iPhone/iPad


Mobile App
for Android



“PIOPAC” Mobile App – download today!  Submit claims and receipts by using the camera on your smart phone.  Access your available balances on your iPhone*, iPad*, and Android powered phone.  Also, receive account balances and other selected alerts via text messages on your mobile device.



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