var criteria = { bank: { apply: false, name: "Bank or Financial Institution", type: "partner", description: "An entity that provides financial services for its clients. Financial institutions may also include savings and loan associations, credit unions, stock brokerages, asset management firms, and other similar businesses." }, benefits_administration_software_vendor: { apply: false, name: "Benefits Administration Software Vendor", type: "partner", description: "A vendor that provides software applications to support all aspects of employee benefits and healthcare accounts administration and management." } , benefits_administrator_tpa: { apply: false, name: "Benefits Administrator/TPA", type: "partner", description: "An organization that provides administrative services, including claims processing and underwriting for other entities, such as insurance companies or employers. Insurance companies will often contract as TPAs with other insurance companies or health plans. While TPAs are not necessarily insurance companies, they offer the expertise and capability to administer all or a portion of the claims process." } , benefits_payment_service_provider: { apply: false, name: "Benefits Payment Service Provider", type: "partner", description: "An employee benefit technology company providing electronic payment solutions related to benefit accounts." } , dependent_care: { apply: false, name: "Dependent Care Account", type: "product", description: "An employer provided benefit program that allows payment of dependent care expenses with pre-tax dollars." } , fsa: { apply: false, name: "Flexible Spending Account (FSA)", type: "product", description: "A tax-advantaged financial account set up through the employer. An FSA allows an employee to set aside a portion of his or her earnings to pay for qualified expenses, most commonly for medical expenses, but sometimes for dependent care or other qualified expenses." }, hra: { apply: false, name: "Health Reimbursement Arrangement (HRA)", type: "product", description: "A healthcare reimbursement account, provided and funded solely by an employer. The money contributed by the employer is tax-free for qualified medical expenses up to a maximum dollar amount set by the employer for a particular coverage period." }, hsa: { apply: false, name: "Health Savings Account (HSA)", type: "product", description: "A tax-advantaged savings account that allows consumers covered by a qualified High Deductible Health Plan (HDHP) to save pre-tax dollars for qualified medical expenses." }, health_insurance_carrier: { apply: false, name: "Health Insurance Carrier", type: "partner", description: "An organization that offers traditional and/or consumer-directed health insurance products and related services, including medical, pharmacy, dental, behavioral health, disability plans, and medical management capabilities." } , multi_purse_accounts: { apply: false, name: "Multi-Purse Account", type: "product", description: "FSA, HRA, HSA, and Transit accounts, as well as Lines of Credit, combined and accessed using a single Visa card." } , processor: { apply: false, name: "Processor", type: "partner", description: "A third-party vendor that processes credit, debit and prepaid card information, providing authorization, clearing, and settlement services for merchants and banks." } , transit: { apply: false, name: "Transit Account", type: "product", description: "An employer-provided benefit program that allows employees to use pre-tax dollars to pay for eligible commuting expenses, such as transit passes or transportation in a highway vehicle (e.g., carpool)." } , wellness: { apply: false, name: "Wellness Program", type: "product", description: "An employer benefit program designed to increase awareness of healthy living and lifestyle among employees. Usually accompanied by some form of incentive or reward for participation." } }; var partners = [ { name: "UMB Bank, Healthcare Services", description: "

UMB Financial Corporation is a multi-bank holding company headquartered in Kansas City, MO. UMB’s healthcare vision is to be the premier provider of HSA custodial services and wholesale payment solutions to employers, health insurance plans, benefit software companies, and third-party administrators (TPAs). Since the inception of Medical Savings Accounts in 1996, UMB has been a leader in the healthcare market place.

UMB’s solution supports multiple flexible benefit programs, such as Health Savings Accounts (HSAs), Flexible Spending Accounts (FSAs), Transit, and Health Reimbursement Arrangements (HRAs). UMB has the experience and systems backbone to bring an integrated solution to our healthcare clients. UMB Bank is a Visa partner bank.

", bank: true, fsa: false, hra: false, hsa: true, multi_purse_accounts: true, first_name: "Kimberly", middle_name: "", last_name: "Martin", title: "", address_1: "1010 Grand Blvd", address_2: "MS–1020213", city: "Kansas City", state: "MO", postal_code: "64106", phone_area_code: "816", phone_number: "8601078", fax_area_code: "816", fax_number: "8432247", email: "kimberly.martin@umb.com", url: "http://www.umb.com/" } , { name: "Wells Fargo, N.A.", description: "

Wells Fargo Health Benefit Services is a premier provider of financial solutions that meet individual customer’s needs to pay for current health care expenses, and save and invest for future needs. Products and services provided include Health Savings Accounts, financial tools, customer service, and support to employers and account holders

", bank: true, fsa: false, hra: false, hsa: true, benefits_administrator_tpa: true, benefits_payment_service_provider: true, first_name: "Angela", middle_name: "", last_name: "Hinton-Mira", title: "", address_1: "333 Market Street", address_2: "20th Floor, MAC: A0119-204", city: "San Francisco", state: "CA", postal_code: "94105", phone_area_code: "415", phone_number: "3713810", fax_area_code: "", fax_number: "", email: "ahmira@wellsfargo.com", url: "http://www.wfhbs.com/" } , { name: "BankFirst", description: "

BankFirst is a leading financial services company specializing in flexible, innovative stored value services and competitive deposit products for consumers nationwide. BankFirst is a $700 million dollar bank, chartered out of Sioux Falls, South Dakota.

A leader in the network -branded prepaid card industry, their Stored Value Solutions division offers secure, convenient, and innovative prepaid products to clients and partners with a significant presence in the health care space. The experience of BankFirst enables you to tap into this rapidly growing industry by providing multiple solutions to meet your needs.

", bank: true, fsa: true, hra: true, hsa: true, dependent_care: true, multi_purse_accounts: true, transit: true, first_name: "Ryan", middle_name: "", last_name: "Harris", title: "", address_1: "6100 South Old Village Place", address_2: "", city: "Sioux Falls", state: "SD", postal_code: "57108", phone_area_code: "605", phone_number: "9883035", fax_area_code: "605", fax_number: "9883346", email: "ryan.harris@marshallbankfirst.com", url: "http://www.thebancorp.com/" } , { name: "The Bancorp Bank", description: "

The Bancorp Bank is a publicly held, FDIC-insured financial services provider that specializes in delivering private labeled, Internet-enabled banking services to affinity groups and demographic constituencies.

Tailored product offerings include a full range of personal financial services, including interest-bearing checking accounts, a full line of loan products, and online bill payment. Business products and services include several checking accounts, cash management services, loans and leasing options.

The Bancorp Bank is founded on the principles and knowledge of its people—a team that shares 140+ years in banking and technology experience.

", bank: true, fsa: false, hra: false, hsa: true, first_name: "Jill", middle_name: "", last_name: "Kelly", title: "", address_1: "405 Silverside Rd", address_2: "Suite 105", city: "Wilmington", state: "DE", postal_code: "19809", phone_area_code: "302", phone_number: "3855012", fax_area_code: "", fax_number: "", email: "jkelly@thebancorp.com", url: "http://www.thebancorp.com/" } , { name: "First Horizon Msaver, Inc.", description: "

First Horizon Msaver was recently honored as The Most Innovative CDHC Product or Solution in the Custodial Bank category as part of the CDHC Awards presented by PrePaid Media at the 2007 CDHC Expo.

FHM has consistently been first-to-market with new product features that are quickly becoming standards for the way health savings accounts are administered, adding convenience for consumers, health insurance companies, and insurance agents. Examples include: paperless online enrollment, automated account fulfillment, Employer Funding Portal, a Broker Portal, federated sign-on, a dedicated customer care center, broker CE training, and more.

FHM will offer HRA and FSA administration (including Transit and Dependent Care) using a multi-purse card by the end of 2007.

", bank: true, fsa: true, hra: true, hsa: true, dependent_care: true, multi_purse_accounts: true, transit: true, benefits_administrator_tpa: true, first_name: "William", middle_name: "", last_name: "Short", title: "", address_1: "7400 West 110th Street", address_2: "Suite 520", city: "Overland Park", state: "KS", postal_code: "66210", phone_area_code: "913", phone_number: "3172083", fax_area_code: "913", fax_number: "3172083", email: "wshort@firsthorizon.com", url: "http://www.firsthorizonmsaver.com/" } , { name: "HSA Bank, a division of Webster Bank, N.A. Member FDIC", description: "

HSA Bank serves customers in every state in the nation and is one of the first financial institutions nationwide to offer health savings accounts. In 2006, HSA Bank was named to the Kiplinger’s Personal Finance "The Best List" as the "best health savings account."

HSA Bank combines convenience, service and savings with low account maintenance fees, high interest rates, investments, 24-hour account access online, or through an automated telephone system and outstanding personal service. For more information about HSA Bank, visit the HSA Bank website at www.hsabank.com.

", bank: true, fsa: false, hra: false, hsa: true, first_name: "Kathy", middle_name: "", last_name: "McCormick", title: "", address_1: "605 North Eighth Street", address_2: "Suite 320", city: "Sheboygan", state: "WI", postal_code: "53081", phone_area_code: "920", phone_number: "8034256", fax_area_code: "920", fax_number: "8034184", email: "kmccormick@hsabank.com", url: "http://www.hsabank.com/" } , { name: "JPMorgan Chase Bank, N.A.", description: "

JPMorgan Chase & Co. (NYSE: JPM) is a leading global financial services firm with assets of $1.4 trillion and operations in more than 50 countries. The firm is a leader in investment banking, financial services for consumers, small business and commercial banking, financial transaction processing, asset and wealth management, and private equity.

A component of the Dow Jones Industrial Average, JPMorgan Chase & Co. has its corporate headquarters in New York and its U.S. retail financial services and commercial banking headquarters in Chicago. Under the JPMorgan and Chase brands, the firm serves millions of consumers in the United States and many of the world’s most prominent corporate, institutional and government clients.

", bank: true, fsa: true, hra: true, hsa: true, multi_purse_accounts: true, first_name: "Thyda", middle_name: "", last_name: "Chhuan", title: "", address_1: "270 Park Avenue", address_2: "", city: "New York", state: "NY", postal_code: "10017", phone_area_code: "212", phone_number: "5520298", fax_area_code: "212", fax_number: "5525230", email: "chhomthyda.p.chhuan@jpmchase.com", url: "http://www.jpmorgan.com/" } , { name: "Aetna Inc.", description: "

Aetna is one of the nation’s leading diversified health care benefits companies, serving approximately 35.9 million people with information and resources to help them make better, informed decisions about their health care.

We offer a broad range of traditional and consumer-directed health insurance products and related services, including medical, pharmacy, dental, behavioral health, group life and disability plans, and medical management capabilities. Our customers include employer groups, individuals, college students, part-time and hourly workers, health plans and government-sponsored plans.

", bank: false, fsa: true, hra: true, hsa: true, dependent_care: true, multi_purse_accounts: true, transit: true, wellness: true, health_insurance_carrier: true, first_name: "", middle_name: "", last_name: "", title: "", address_1: "151 Farmington Avenue", address_2: "", city: "Hartford", state: "CT", postal_code: "06156", phone_area_code: "", phone_number: "", fax_area_code: "", fax_number: "", email: "", url: "http://www.aetna.com/employer/" } , { name: "Creative Benefits, Inc.", description: "

Founded in 1989, Creative Benefits currently has a staff of more than 60 employees and a nationwide client base over 700. Over the years, CB has built a reputation based on experience, excellent customer service, commitment to clients and participants, and regulatory expertise. From saving taxes with Flexible Spending Accounts to ensuring a smooth benefits transition for COBRA beneficiaries, we do our best to take care of the interests of clients and participants.

Awards include: Top 100 Women-Owned Businesses in California, DiversityBusiness.com, 2005.

Core Values: uncompromising integrity, dynamic expertise, strategic execution, enthusiastic teamwork, engaged relationships, perpetual innovation.

", bank: false, fsa: true, hra: true, hsa: true, dependent_care: true, transit: true, benefits_administrator_tpa: true, first_name: "Jody", middle_name: "", last_name: "Dietel", title: "", address_1: "956 Vale Terrace Drive", address_2: "", city: "Vista", state: "CA", postal_code: "92084", phone_area_code: "760", phone_number: "5090118", fax_area_code: "760", fax_number: "6430996", email: "jdietel@creativebenefits.com", url: "http://www.creativebenefits.com/" } , { name: "Evolution Benefits, Inc.", description: "

Evolution Benefits, Inc., began operation in 2002 with a mission to provide innovative payment services for the evolving consumer-directed benefits movement. Its primary product, the Benny™ Prepaid Benefits Card, applies advanced payment and patented auto-substantiation technologies to FSAs, HRAs, HSAs, and QTAs.

Evolution Benefits powers the card programs of more than 150 managed care and administrative services organizations and covers more than 4,700 employers, including over 60 of the nation’s top-ranked Fortune and Forbes companies. Visit www.EvolutionBenefits.com for more information.

In 2007, the company was awarded the "Most Innovative Consumer Directed Health Care Product or Solution" in the payment card area at the CDHC Expo.

", bank: false, fsa: true, hra: true, hsa: true, dependent_care: true, multi_purse_accounts: true, transit: true, wellness: true, benefits_payment_service_provider: true, first_name: "Kevin", middle_name: "", last_name: "Blank", title: "Executive VP, Sales, Marketing, and Account Management", address_1: "22 Waterville Road", address_2: "", city: "Avon", state: "CT", postal_code: "06001", phone_area_code: "860", phone_number: "6783406", fax_area_code: "860", fax_number: "6768695", email: "info@evolutionbenefits.com", url: "http://www.evolutionbenefits.com/" } , { name: "First Data Resources Inc.", description: "

First Data Corp. is a leading provider of electronic commerce and payment solutions for businesses worldwide, serving 4.9 million merchant locations, 1,900 card issuers, and their customers. First Data Healthcare Services provides end-to-end payment solutions that streamline the healthcare experience for patients, providers, and payers. The company pioneered a multi-use healthcare card that provides access to HSA, HRA, FSA, and other funding sources, including an integrated line of credit. First Data Healthcare Services is one of the largest processors of healthcare payment cards.

", bank: false, fsa: true, hra: true, hsa: true, dependent_care: true, multi_purse_accounts: true, transit: true, wellness: true, processor: true, first_name: "Bob", middle_name: "", last_name: "Burgarino", title: "", address_1: "6902 Pine Street", address_2: "", city: "Omaha", state: "NE", postal_code: "68106", phone_area_code: "402", phone_number: "2224285", fax_area_code: "402", fax_number: "2227006", email: "bob.burgarino@firstdatacorp.com", url: "http://www.firstdata.com/" } , { name: "Fiserv Credit Processing Services", description: "

Fiserv Credit Processing Services is an issuer processor that supports issuers who issue credit card accounts. Fiserv can support issuers that want to issue cards against an FSA, HRA, or HSA account. We can support full processing for multi-purse accounts.

", bank: false, fsa: true, hra: true, hsa: true, multi_purse_accounts: true, processor: true, first_name: "Stephanie", middle_name: "M", last_name: "Fuoco", title: "", address_1: "901 International Parkway", address_2: "Suite 100", city: "Lake Mary", state: "FL", postal_code: "32746", phone_area_code: "407", phone_number: "8297102", fax_area_code: "407", fax_number: "8293279", email: "stephanie.fuoco@fiserv.com", url: "http://www.fiserv.com/" } , { name: "Humana, Inc", description: "

Humana Inc., headquartered in Louisville, Kentucky, is one of the nation’s largest publicly traded health benefits companies, with more than 11 million medical members. Humana offers a diversified portfolio of health insurance products and related services—through traditional and consumer-choice plans—to employer groups, government-sponsored plans, and individuals.

Over its 45-year history, Humana has consistently seized opportunities to meet changing customer needs. Today, the company is a leader in consumer engagement, providing guidance that leads to lower costs and a better health plan experience throughout its diversified customer portfolio.

", bank: false, fsa: true, hra: true, hsa: true, dependent_care: true, multi_purse_accounts: true, wellness: true, health_insurance_carrier: true, first_name: "Natasha", middle_name: "", last_name: "Ben", title: "", address_1: "500 West Main", address_2: "", city: "Louisville", state: "KY", postal_code: "40202", phone_area_code: "502", phone_number: "5803830", fax_area_code: "502", fax_number: "5083830", email: "nben@humana.com", url: "http://www.humana.com/" } , { name: "Kaiser Permanente", description: "

Kaiser Permanente is America’s leading integrated health plan. Founded in 1945, it is a not-for-profit, group practice program headquartered in Oakland, CA. Kaiser Permanente serves more than 8.6 million members in nine states and the District of Columbia. Today it encompasses the not-for-profit Kaiser Foundation Health Plan, Inc., Kaiser Foundation Hospitals and their subsidiaries, and the for-profit Permanente Medical Groups. Nationwide, Kaiser Permanente includes approximately 156,000 technical, administrative and clerical employees and caregivers, and 13,000 physicians representing all specialties.

", bank: false, fsa: false, hra: true, hsa: true, health_insurance_carrier: true, first_name: "Sandra", middle_name: "", last_name: "Hadlock", title: "", address_1: "300 Lakeside Drive", address_2: "26th Floor", city: "Oakland", state: "CA", postal_code: "94612", phone_area_code: "510", phone_number: "3012611", fax_area_code: "", fax_number: "", email: "sandra.hadlock@kp.org", url: "" } , { name: "Lighthouse1", description: "

Lighthouse1 delivers Consumer Driven Healthcare (CDH) administration software solutions including Lighthouse1 OnDemand™, the high performance Software as a Service (SaaS) solution, to resolve challenges in the administration of Section 125, 105, 132 and other pre-tax spending programs in the healthcare and employee benefits industry. Its mission is to use the latest technology and services to assist and support CDH administrators in the management of healthcare account services. Lighthouse1 OnDemand™ allows third party administrators and healthcare providers to manage services for employer plans. More information is available at www.lighthouse1.com.

", bank: false, fsa: true, hra: true, hsa: true, dependent_care: true, transit: true, benefits_administration_software_vendor: true, first_name: "", middle_name: "", last_name: "", title: "", address_1: "800 Bren Road East", address_2: "Suite 240", city: "Minneapolis", state: "MN", postal_code: "55343", phone_area_code: "952", phone_number: "9089056", fax_area_code: "630", fax_number: "5874497", email: "sales@lighthouse1.com", url: "http://www.lighthouse1.com/" } , { name: "Metavante Healthcare Payment Solutions", description: "

Metavante Healthcare Payment Solutions is transforming the way patients, providers, payers, and financial institutions share data and move money to create a better connected healthcare payments process. Offering the country’s leading benefits debit card, Metavante supports single-card, multi-account access and auto-substantiation of transactions. Metavante’s retail and employer-sponsored HSA solutions, complete with investments, enable employers and financial institutions of all sizes to offer HSA programs. Metavante also offers combination eligibility/payment cards, claims payment distribution services, and medical remittance processing.

", bank: false, fsa: true, hra: true, hsa: true, dependent_care: true, multi_purse_accounts: true, transit: true, benefits_administration_software_vendor: true, benefits_payment_service_provider: true, first_name: "", middle_name: "", last_name: "", title: "", address_1: "4900 W. Brown Deer Road", address_2: "", city: "Milwaukee", state: "WI", postal_code: "53223", phone_area_code: "800", phone_number: "8226758", fax_area_code: "414", fax_number: "3717777", email: "sales@metavante.com", url: "http://www.metavantehealthcare.com/" } , { name: "SHPS, Inc.", description: "

SHPS provides a broad range of innovative health management tools, resources, and services that empower consumers to make wise healthcare decisions. With comprehensive services that transform consumer health behaviors, SHPS’ integrated delivery system maximizes the value of consumers’ and employers’ healthcare dollars. Among its many clients, SHPS serves large and mid-sized employers, health insurance carriers, third party administrators, Medicare Part D providers, and government agencies.

", bank: false, fsa: true, hra: true, hsa: true, dependent_care: true, multi_purse_accounts: true, transit: true, wellness: true, benefits_administration_software_vendor: true, benefits_administrator_tpa: true, benefits_payment_service_provider: true, first_name: "JD", middle_name: "", last_name: "Grimes", title: "", address_1: "9200 Shelbyville Road", address_2: "", city: "Louisville", state: "KY", postal_code: "40299", phone_area_code: "502", phone_number: "4205530", fax_area_code: "502", fax_number: "3264525", email: "jd.grimes@shps.com", url: "http://www.shps.com/" } , { name: "TSYS", description: "

TSYS offers Issuing process for HSAs, FSAs, HRAs. The company provides multi-purse stacking, automated substantiation, and optional line of credit. Through partnerships, TSYS can also provide administrative services for both HSAs and FSAs. Banking relationships for HSA custodial needs are available as well. For banks looking to enter the HSA market, TSYS can provide all of the administrative, enrollment, and educational support needed to make your HSA program a success through correspondent banking services.

", bank: false, fsa: true, hra: true, hsa: true, dependent_care: true, multi_purse_accounts: true, transit: true, benefits_payment_service_provider: true, processor: true, first_name: "Bob", middle_name: "", last_name: "Borneman", title: "", address_1: "1600 1st Avenue", address_2: "#A1628", city: "Columbus", state: "GA", postal_code: "31902", phone_area_code: "706", phone_number: "6441156", fax_area_code: "706", fax_number: "6449219", email: "bborneman@tsys.com", url: "http://www.tsys.com/" } , { name: "WageWorks", description: "

Founded in 2000, WageWorks provides tax-advantaged health and dependent care and commuting benefits. For working families bearing a growing share of health care costs, WageWorks lowers the costs to maintain family health and wellness, child and elder care, commuting and tuition expenses, all through benefits like FSAs and HSAs. Forty percent of the Fortune 100 and millions of their benefits-eligible employees use WageWorks’ programs.

WageWorks provides easy-to-use benefits programs and educational tools and resources to increase employees’ knowledge and make benefits programs easy for employers to administer.

Serving large organizations across the United States, WageWorks is headquartered in San Mateo, CA.

", bank: false, fsa: true, hra: true, hsa: true, dependent_care: true, transit: true, wellness: true, benefits_administrator_tpa: true, first_name: "", middle_name: "", last_name: "", title: "", address_1: "1100 Park Place", address_2: "Suite 400", city: "San Mateo", state: "CA", postal_code: "94403", phone_area_code: "877", phone_number: "6023887", fax_area_code: "", fax_number: "", email: "info@wageworks.com", url: "http://www.wageworks.com/" } , { name: "Wells Fargo Third Party Administrators", description: "

Wells Fargo TPA is one of the largest TPA’s in the country, with offices in West Virginia, Georgia and North Carolina. We provide a variety of administrative services to over 350 clients representing about 1 million members. We own and support our software and hardware and can be flexible in developing the right program for our clients. Our expertise in claims processing, Cobra, HIPAA, Healthcare Reimbursement Accounts and Section 125 Flexible Spending Accounts makes us a leader within the industry

", bank: false, fsa: true, hra: true, hsa: true, dependent_care: true, multi_purse_accounts: true, wellness: true, benefits_administrator_tpa: true, first_name: "Richard", middle_name: "", last_name: "Legg", title: "", address_1: "602 Virginia Street East", address_2: "", city: "Charleston", state: "WV", postal_code: "25301", phone_area_code: "304", phone_number: "3538779", fax_area_code: "304", fax_number: "353748", email: "richard_legg@wellsfargotpa.com", url: "http://www.wellsfargo.com/tpa/" } ];