FAQ

HSA or WSA Specific Questions

An HSA provides a non-taxable alternative or supplementation to a traditional benefits plan. HSA eligible expenses are vast, ranging from dental, vision, professional services, & hospital bills. 

Go here for more detailed definition.

A WSA is an opportunity for employers to support their employee’s wellness through the allocation of benefit dollars (taxable) for non-medical, wellness expenses.

Go here for more detailed definition.

We believe that making smart health spending and saving choices should be affordable, easy, and even fun. That’s why HSA Easy Pay Ltd. in partnership with Aya Payments, removes all those pesky, hidden processes that most HSA’s have. With us all you do is use your ayaHSA Prepaid Mastercard® Card for your purchases. To make a claim, just snap a photo of your receipt using the App and that’s it!! Our adjudication technology reviews 100% of claims so employers never have to worry about fraud.  

Yes, but only if there is at least 1 arm’s length employee, and as per CRA Circular IT339R2 ARCHIVED – Meaning of ‘private health services plan’ (1988 and subsequent taxation years) section 3 and see “Buyer Beware.” There has to be a demonstrated risk of  potential loss under the definition of insurance

Yes, as per CRA Circular IT339R2 ARCHIVED – Meaning of ‘private health services plan’ (1988 and subsequent taxation years) section 3 and see “Buyer Beware” There has to be a demonstrated risk of potential loss under the definition of insurance.

Using your HSA Easy Pay Ltd. Prepaid Health and Wellness Credit Card

Yourself and any of your eligible dependents who are listed on the plan will be covered by your benefit limit.

Dependents would be your spouse or dependent children. Children are covered until the age of 21 and if they are enrolled in full-time post-secondary education they are covered until age 25. 

Dependents who are disabled can continue beyond the age of 25 but you will need to fill out a T2201 Form.

Changes to your benefit limit are up to the discretion of your employer. HSA & WSA Employment Benefits acts as the administrator for your employer and as such we don’t make any changes to your limit unless we are notified to do so.

No, if you leave your current employer, the employer will get back the funds on your HSA.

A Health Spending Account is established to exclusively pay for health care services for your employees and their families. It doesn’t include any mandatory coverage and can be used to pay for any and all health, vision and dental expenses including those not covered under traditional plans, such as laser eye surgery or fertility treatments. Additional benefits:

  • Offer employees flexibility and choice on what they want to use their HSA credits for
  • Offer employees a tax-free allowance
  • Cover expenses not eligible to be claimed under traditional benefit plans
  • Offer employees an active role in their health

We have a comprehensive list on our website but a full list of eligible expenses can be found on the CRA Website.

Unfortunately, receipts must be submitted using the funds from the same plan year. This means a dental receipt from 2021, must use the limit from 2021.

HSA Easy Pay Ltd. ayaHSA Prepaid Mastercard® Card Account Specific

You can request a new password using our partner, Aya Payments’ app. Our app partner, Aya Payments free mobile app is available through the Apple App Store and the Google Play Store.

Please contact your company’s HR or healthcare benefits administrator to get you set up.

With our partner Aya Payments App, you can see your balance in the app in real time. Our app partner, Aya Payments free mobile app is available through the Apple App Store and the Google Play Store.

HSA & WSA Employment Benefits Ltd. and our app-partner Aya Payments hold your data security to the highest standard.  We ensure we are at all times compliant with applicable privacy laws and legislations –  specifically compliance with HIPAA and PIPEDA. Thus we have implemented security best practices to ensure that all sensitive data is protected during collection, processing and storage. Within the app itself, Aya conducts ongoing security assessments and third party audits such as SOC2 to review existing implementations. For a full read of our Privacy Policy, click here.

Please contact your plan administrator for any changes.

First and foremost, any questions that you should have should be directed to your employer. Then, to us at HSA Easy Pay Ltd. Please email us directly at info@hsaeasypay.com

Employee FAQ

Claims can be easily submitted by taking a picture of your merchant receipt plus medical receipt such as prescription and uploading it for reimbursement through our app partner, Aya Payments, free mobile app, available through the Apple App Store and the Google Play Store.

No, copies of medical receipts are NOT required following your claim approval; however, please keep receipts so you can submit them through the app.

Unfortunately, no. The Aya Payments app needs to see the details of the service you received to ensure its eligibility; payment receipts alone don’t provide sufficient information. If you lose a receipt, contact the provider (ie: the medical practitioner) and obtain another receipt from them. If the claim submission requires a medical receipt (e.g., Prescription), you will need a copy from your provider in order to have your claim approved.

Medical eligible expenses are determined by the date of the transaction against your eligibility criteria. The eligibility criteria is defined by your employer within a given plan year. You can make a claim for a medical expense that was incurred anytime in the previous plan year as determined by your employer, and provided you have a sufficient amount of benefit available in the plan year in which the expense was incurred.

If your employer has established a claim period after year end of 30 days, this means that you have 30 days after the end of your plan year to claim items that were incurred in the previous year. Keep in mind that all claims are processed according to the service date on the receipt; even if you submit a claim in the current plan year that was incurred in the previous plan year, it may still be rejected if you have exhausted all of your available benefit allotment for the year in which you had the medical expense.

You cannot make a claim for any expense that was incurred prior to the date you became eligible for the Plan. If your receipt is dated prior to your plan eligibility date, it will be rejected because at the time you incurred the expense, you were not eligible for the Plan.

You should first submit your claim to your partners plan. Following adjudication, any amount not reimbursed is eligible for submission onto your HSA plan.

Purchases or services should be submitted as separate claims if they’re for different transactions and have different receipts.

If your employer has allowed your dependents to be added to your account then submitting a claim for your dependent is the same as it is for yourself, just be sure that you’ve added your dependent to your account details! In order for a dependent’s expenses to be reimbursed, the HSA plan member will be required to submit claims on their behalf.

The Aya Payments app will walk you through the information required to submit a claim. On your paid receipt, information such as:

  • Health Merchant Name (e.g, Dr. Jane Doe)
  • Date of Transaction
  • Amount You Wish To Claim (against Amount You Paid)
  • other supporting information.

For specific medical claims, different information will be required (i.e., Prescription is different than Physiotherapist Services). If required, our application will prompt you for a prescription. If the receipt or invoice omits any of this information, or if you need to provide any additional information, please send us a message at info@hsaeasypay.com.

There are a variety of reasons for why your Health Spending Account (HSA) claim could have been partially paid. A few common reasons for a partial reimbursement are:

  • Some of the products or services being claimed are not eligible for coverage.
  • The accounts being claimed against have insufficient funds to cover the full expense.
  • Because there are other reasons a claim may not be covered, but if you have any questions or concerns regarding your particular claim please contact our Customer Care team  at info@hsaeasypay.com

We’d be happy to help!

Typically, the process to review spending account claims are done within 1 business day. Once approved, you should receive payment within 2-3 days. It’s that quick!

Employers FAQ

A Health Spending Account is a cost-effective means for a business to provide employees a way to pay for health-related costs while providing a tax benefit to the employer. Additional benefits include:

  • Health spending accounts aide in employee attracting and retention
  • Cost control and customization for employers
  • Contributions from the employer are 100% tax-deductible
  • Funds not used but the employees are returned to the employer

Your HSA is funded based on how you set up your application – monthly, quarterly or yearly. A predetermined amount will be withdrawn from your business bank account and held in trust with Peoples Trust. Your funds will be used to pay employee claims as they are incurred. The funds always belong to you and may be returned to you at no cost. You decide the monthly contribution. We recommend you determine your monthly contribution by totaling the amount you plan to offer your employees and divide by 12.

As a plan administrator, you’re the go-to person for your company’s group plan. You’re responsible for helping employees with day-to-day administrative needs, so understanding your responsibilities and benefits plan is super important.

New employees are invited to enroll in their HSA  benefits plan for themselves and their dependents. Enrollment occurs within 31 days of becoming eligible for benefits.

A key part of your role is to update necessary employee information on time. This ensures claims are paid correctly and promptly and monthly billing statements are correct. As the plan administrator you need to ensure:

  • Employees’ class information is up-to-date with the App.
  • Employees leaving the plan are quickly terminated from the App.
  • Employees record Qualifying Life Events (QLEs)with the App within 31 days of the event.
  • We are informed in advance about other important employee benefit changes, such as leaves of absence (LOA), lay-offs, and benefit extensions due to severance agreements.

No, we provide lots of flexibility for you to customize benefits for different groups of employees, commonly known as employee classes.

No HR department? No problem! Our prepaid health and wellness HSA  solution  was designed with small-to-medium businesses in mind – we know what it’s like to wear multiple hats, and we’ve done our best to partner with a well-designed and thought out App that is easy for anyone in your company to manage. If you need any help along the way, we can jump in.

If an employee leaves their group Aya Card HSA plan, they will be able to continue submitting medical, dental (if applicable) and Aya claims for 30-90 days as determined by the administrator when setting up the company. This can be customized for your group during your set up. If funds are being deposited monthly, quarterly, or annually, the unreserved funds that the employee has available to use are pro-rated based on that employee’s termination date.

Yes, you can make up to two (2) changes. This is customizable based on your application. At the end of your plan year you will again be able to make changes to your group’s medical plan.

We can set up a Pre-Authorized Debit agreement. Currently Scotiabank, RBC and BMO have enabled bill pay.

ayaHSA Prepaid Mastercard® Card Specific Questions

Yes, currently there is a daily spend limit of $10,000 at any point of sale purchase. If you expect this to be a problem, shoot us a note and let us know!

Your card will already come activated and you can begin using it as soon as your employer deposits funds into your account.

It typically takes 7-10 business days for your Aya Prepaid Mastercard to arrive. If it has been longer than 10 business days, please send an email to info@hsaeasypay.com and we can look into it for you.

If you are unable to access your account, please pay for the qualified medical expense out-of-pocket if it is urgent. You can then reimburse yourself by using the out-of-pocket feature on the Aya Payments app. Please let us know at info@hsaeasypay.com where your card was not working and we will look into it right away!  [In certain cases, we have blocked the ability to purchase non-qualified medical expenses. We do this to ensure that you are not using your card inappropriately, which can lead to penalties and extra taxes!]

Your Aya Mastercard is formatted for health savings accounts and can be used everywhere Mastercard is accepted for eligible health expenses. The card cannot be used at ATMs or to obtain cash, and purchases that exceed your available balance will be declined. You can view and manage your balance to always know where you stand directly in the Aya Payments app.

You can use your available spending balance for eligible health purchases, which generally include payments for doctor’s visits, dental, vision, prescription medications, therapy, and more. But what most people don’t know is that there are 1,000’s of other everyday items that you can pay for with your health savings dollars.

We are working on this now so you and your age of majority family members can all get a card! Health savings accounts are designed to help both you and your family save and spend on healthcare. As the primary account owner, you will remain liable for any and all usage of any extra cards associated with your Aya Payments account.

Immediately, please contact call 1-888-427-6682 with extension 1002 and press 1 if your ayaHSA Prepaid Mastercard® has been stolen or lost.

Healthcare is stressful enough. Paying for it shouldn’t be.