Frequently asked questions


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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.

Anywhere Mastercard® is accepted on CRA eligible health spending.

Eliminates most out-of-pocket expenses and pay for health care directly.

A full list of eligible expenses can be found on the CRA Website. View the full list here.

For Employees

My Account

You can request a new password using the mobile application or on the website.

You will receive an email to download the Everyday HSA app to complete setup.

Log into your Everyday HSA for your balance in real time.

Manage your profile through your Everyday HSA app or on the website login here

Contact our Everyday HSA at 1 855 422 2787 or email us hello@everydayhsa.ca


Submit your claim in two ways:

  1. Pay for eligible expense using your Mastercard. Take a picture of your receipt and upload it to the Everyday HSA mobile app.
  2. 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.

Receipts are needed to finalize your claim, once approved you can discard them.

No. Receipt requires 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.

For more information, check your app or call us at 1 855 422 2787.

Submit your claim to your partner’s plan first. 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.

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

There could be a few reasons why your claim may be partially paid:

  1. The product or service being claimed are not eligible for coverage.
  2. The accounts being claimed against have insufficient funds to cover the full expense.

For more information, contact our team at 1 855 422 2787 or email us hello@everydayhsa.ca
Everyday HSA Mastercard

Yes, there is a daily spend limit of $10,000 at any point of sale purchase.

Your digital card will be activated upon your initial account setup with the Everyday HSA app. If you requested a physical card, when it arrives activate your physical on Everyday HSA app.

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

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.

Contact us immediately at hello@everydayhsa.ca or call 1 855 422 2787

Contact us immediately at hello@everydayhsa.ca or call 1 855 422 2787

There are a variety of reasons for why your claim could have been partially paid.

A few common reasons for a partial reimbursement are:

  1. Some of the products or services being claimed are not eligible for coverage.
  1. 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

For Employers

Click here to expolore benefits.

As a plan administrator, you’re the go-to person for your company’s group plan responsible for letting SEP know when employees are added, removed or changing classes. You’ll also help employees with day-to-day administrative needs, so understanding your responsibilities and benefits plan is super important.

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. 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. Working with SEP, you will decide how the monthly contributions are structured. We recommend you determine your monthly contribution by totaling the amount you plan to offer your employees and divide by 12.

Let SEP know when new employees are hired, then members can complete the enrolment by adding their dependents and other info needed to submit claims. You will also be able to manage employees through the Employers Self-Service Portal.

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
  • Employees leaving the plan are quickly terminated from the plan using the self-service portal
  • Employees record Qualifying Life Events (QLEs) within 31 days of the event is informed in advance about other important employee benefit changes, such as leaves of absence (LOA), lay-offs, and benefit extensions due to severance agreements.

When an employee leaves the company, they can only submit claims that occurred before their last day of employment (or the date the admin uses to remove them from the plan). They would then have to 30,60,90 days to submit any claims that occurred while they were eligible.

For Brokers/Benefits Advisors

Email letsconnect@everydayhsa.ca for more information