Get to know PayFlex®

As part of the Aetna family, PayFlex Systems USA, Inc. plays a major role in how consumer-directed products and services are used throughout the marketplace. Considered an innovative technology company, PayFlex® is one of the nation's largest account-based third party administrators.

Founded in 1987 in Omaha, NE, PayFlex has been in business for more than 25 years. In 2011, Aetna acquired PayFlex to support its existing consumer-directed product offerings. PayFlex provides Aetna clients and members with more flexibility, as well as customized, easy-to-use tools and solutions to help manage health care expenses. PayFlex offers an integrated platform, multi-purse debit card, real-time authorization of expenses and online claim and provider payment services. These are just a few reasons why PayFlex has become an important part of Aetna’s consumer-focused strategy.

For many Aetna members, PayFlex administers a suite of products and services, including:

  • Spending Accounts, also referred to as Flexible Spending Accounts (FSA) - These arrangements may be funded by an employer and/or an employee via payroll deduction. This includes:  
    • Health Care and Dependent Care Spending Accounts
    • Health Reimbursement Arrangement (HRA)
    • Aetna Commuter Benefits (ACB)
    • Retiree Reimbursement Account (RRA)
  • Health Savings Account (HSA) - This tax-advantaged account benefits an individual covered under a high-deductible health plan (HDHP).
  • Individual Billing Administration (IBA) COBRA/non-COBRA - These products and services consist of:
    • COBRA Administration
    • Non-COBRA/Retiree
    • COBRA Notice Services
    • A dedicated Call Center

Ask your employer if PayFlex products/services are available to you. For more information, visit

Aetna Consumer Financial Solutions products are administered by PayFlex Systems USA, Inc., an affiliate of Aetna Life Insurance Company. PayFlex Systems USA, Inc. (“PayFlex”), one of the nation’s leading account-based third party administrators, is an affiliate of Aetna Life Insurance Company (“Aetna”). PayFlex provides administrative services for Aetna’s Consumer Financial Solutions products. PayFlex’s robust account tools, accessible through the Aetna Navigator® secure member website, make it easy for your employees to manage their tax-advantaged accounts.

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