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We’re anything but traditional. We want you to have the convenience and immediate access to your funds without going out-of-pocket. It’s the smartest way to pay for health expenses.
FAQs
General
1. Who is Smart Everyday People?
Click here to know more about us.
2. What is a Health Spending Account (HSA)?
A Health Spending Account is a flexible way employers can provide their employees with health benefits allowing employees to choose where they spend their allotted funds Employers contributions are 100% tax-deductible and employees expenses are tax-free.
3. Where can I use my Everyday HSA?
Anywhere Mastercard® is accepted on CRA eligible health spending.
4. Why is the Everyday HSA different than other HSA?
Eliminates most out-of-pocket expenses and pay for health care directly.
5. Where can I find a list of eligible expenses?
A full list of eligible expenses can be found on the CRA Website. View the full list here.
For Employees
My Account
1. Forgot password
You can request a new password using the mobile application or on the website.
2. Account setup
You will receive an email to download the Everyday HSA app to complete setup.
3. Balance inquiries
Log into your Everyday HSA for your balance in real time.
4. Changes to my profile
Manage your profile through your Everyday HSA app or on the website login here
5. Need help or more information
Contact our Everyday HSA at 1 855 422 2787 or email us hello@everydayhsa.ca
Claims
1. How do I submit a claim?
Submit your claim in two ways:
- Pay for eligible expense using your Mastercard. Take a picture of your receipt and upload it to the Everyday HSA mobile app.
- Pay for the service out-of-pocket (if Mastercard is not accepted). Follow the steps in the app for reimbursement.
The Everyday HSA mobile app, available through the Apple App Store and the Google Play Store.
2. Do I need to keep copies of my medical receipts?
Receipts are needed to finalize your claim, once approved you can discard them.
3. If I lose my medical receipt, can I use a copy of my credit card receipt or cash register receipt instead?
No. Receipt 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.
4. What is the deadline for submitting claims?
For more information, check your app or call us at 1 855 422 2787.
5. My Partner has a Group Benefit Plan, how best to coordinate claims?
You should first submit your claim to your partner’s plan. Following adjudication, any amount not reimbursed is eligible for submission onto your plan. The Everyday HSA Mastercard could be used to pay the difference at the point of sale.
6. Do I need to submit multiple receipts as separate claims?
Purchases or services should be submitted as separate claims if they’re for different transactions and have different receipts.
7. Why was only a portion of my claim paid?
There are a variety of reasons for why your 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.
There are other reasons a claim may not be covered, please contact our Everyday HSA at 1 855 422 2787 or email us hello@everydayhsa.ca
Everyday HSA Mastercard
1. Is there a daily limit on how much I can spend on my Everyday HSA Mastercard?
Yes, currently there is a daily spend limit of $10,000 at any point of sale purchase.
2. How do I activate my Everyday HSA Mastercard?
Your digital card will be activated upon your initial account setup with your Everyday HSA app. If you requested a physical card, when it arrives activate your physical on Everyday HSA app.
3. How long does it take to receive my Everyday HSA Mastercard?
It typically takes 7-10 business days for your card to arrive. If it has been longer than 10 business days, please send an email to hello@everydayhsa.ca
4. My Everyday HSA Mastercard is not working.
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 submit a claim for reimbursement on your Everyday HSA app.
Let us know at hello@everydayhsa.ca where your card was not working and we will look into it. Always ensure your purchase is an eligible medical expense. View the full list here.
5. My Everyday HSA Mastercard is lost or stolen
Contact us immediately at hello@everydayhsa.ca or call 1 855 422 2787
6. I lost or forgot my Everyday HSA Mastercard PIN
Contact us immediately at hello@everydayhsa.ca or call 1 855 422 2787
7. Why was only a portion of my claim paid?
There are a variety of reasons for why your 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.
There are other reasons a claim may not be covered, please contact our Everyday HSA at 1 855 422 2787 or email us hello@everydayhsa.ca