Online Member Portal

Introduction

Your online member portal is a powerful tool that gives you access to all account management features. To access, visit my.healthequity.com. The portal is best experienced using Internet Explorer (8.0 or later) and current versions of Firefox, Chrome and Safari. Using the HealthEquity member portal, you can check your balance, review transactions, view insurance claims, invest in mutual funds, pay providers and submit for reimbursement online.

Member portal login page

Logging into your member portal is easy. Simply follow the steps below to access your HealthEquity HSA.

Home Page Dashboard

Welcome to the HealthEquity member portal home page. This interactive and dynamic dashboard provides you with all the information you need to easily manage and build your health savings.

My account

Under the My Account tab, you can review your account balance. Occasionally, pending contributions or distributions might cause a difference between the Ledger Balance and Available Balance. Always refer to the Available Balance for the most accurate account balance.

Account balance:

From the ‘My Account’ tab, you can review your account balance. Occasionally, pending contributions or distributions might cause a difference between the ‘Ledger Balance’ and ‘Available Balance’. Always refer to the ‘Available Balance’ for the most accurate account balance.

Profile:

‘Profile’ is where you can review and edit your profile settings, including personal information, login credentials and system preferences.

If you have not done so already, you can add your banking information directly on the ‘Profile Details’ page for EFT contributions and reimbursements:

1. Go to the ‘Account Information’ section.
2. Click on the blue ‘Add/Edit’ button under ‘External Accounts’.
3. Enter your bank account’s routing number, account number, financial institution name and indicate how the account will be used.
   • If solely used for reimbursement, account verification is not required. If you will be contributing from this account, HealthEquity will first need to verify your account.
   • You can add as many accounts as you would like, however, if you will be adding the same account to multiple HSAs (i.e. yours and a spouse’s account), HealthEquity requires a voided check to be submitted to verify the account information.

HSA:

From this menu, you are able to access account details such as current interest rates and transaction history, as well as make contributions and view contribution history. The Make Contribution page allows you to make post-tax contributions to your HSA from a personal banking account. If you do not have a verified bank account on file, it will prompt you to add your banking information. To make a contribution outside of payroll:

1. Go to the ‘HSA’ menu located under the ‘My Account’ tab. Click ‘Make Contribution’.
   • If you want to set up contributions to come out of your account automatically each month, use the ‘Click here to set up automatic contributions’ instead.
2. Select an EFT account.
3. Enter the amount you want to contribute.
4. Select the year you’d like to contribute toward.
5. Click ‘Contribute’.

Statements & tax forms:

View your monthly statements, year-end statements and tax statements here at any time. Select a year to view a statement and click the link to download and print. Adobe Reader is required to view all account statements. You are able to download Adobe Reader by clicking the icon on this page.

Investments:

Grow your balance even more by investing in our available mutual funds. The ‘Manage Investment’ page creates a user-friendly platform for you to build a portfolio and manage your investments with the click of a mouse.

Manage cards:

The ‘Card Manager’ page allows you to view and activate cards from the member portal. To request additional cards or to report your card lost or stolen, contact Member Services (additional fees may apply).

Add individuals:

The ‘Card Manager’ page allows you to view and activate cards from the member portal. To request additional cards or to report your card lost or stolen, contact Member Services (additional fees may apply).

‘Authorized Account Users’ lists those associated with your account. For anyone other than the primary account holder to receive specific account information over the phone, the primary account holder must first authorize them. An authorization form is located under the ‘Docs & Forms’ tab.

To add a beneficiary to your account

1. Select ‘Beneficiaries’ from the ‘Add Individuals’ menu located under the ‘My Account’ tab.
2. Select your marital status.
   • If you are married but designating someone other than your spouse to be the primary beneficiary and you live in a community property state, HealthEquity requires a signature from your spouse on our Beneficiary Designation Form, located under ‘Docs & Forms’.
3. Enter in required information: Name, DOB, SSN and address for each individual.
   • You can add both primary and contingent beneficiaries, up to 4 each; if you would like to add more than the portal will allow, please complete the Beneficiary Designation Form and submit it to HealthEquity.

Insurance information:

Insurance Information contains specific insurance information like provider, policy number, coverage type, deductible and employer, when available. If your information is not listed here, contact your insurance company for specific coverage details.

Claims & Payments

Verify your account

To verify the account HealthEquity will make a small deposit into your account. Once the deposit has been made, return to the HealthEquity member portal to verify the amount received. As soon as it is verified, you can either initiate a one-time contribution or recurring monthly contributions.

To send payments to providers or reimburse yourself for out-of-pocket medical expenses, you can create claims for payment using the Reimbursement/Payments option under the My Money tab.

Claims

Occasionally you might receive an email notification of a new claim received for you or one of your dependents. This is usually due to the fact that your health insurance has chosen to integrate with HealthEquity, meaning that when your doctors and pharmacies bill your insurance company, the insurance sends a copy of that claim to HealthEquity. Each claim listed gives you a breakdown of services, what was applied to your deductible and the estimated patient responsibility.

To view/pay a claim:

1. Go to the View Claims screen.
2. To send a check to a provider or reimburse yourself for expenses you paid outof-pocket, select the “action buttons” that accompany open claims.
   • Provider information is usually included on claims sent by your insurance, but we recommend verifying the address before submitting for payment.
   • If you pay with your HealthEquity debit card, the payment status of the claim will not update automatically on the View Claims page; you could manually match the transaction to the claim by following the prompts when clicking “Close Expense”.

Pay doctor/provider:

The ‘Pay Doctor/Provider’ page allows you to make payments to your provider for expenses incurred for procedures performed. To pay your provider, simply:

1. From the ‘Claims & Payments’ tab, select ‘Pay doctor/provider.’
2. Select to have the funds come out of your HSA and then select ‘Enter claim record and send payment’ before clicking ‘Next.’
3. Select ‘Pay Provider’ to send payment directly to a provider.
4. Choose to enter new expense or select an existing expense if HealthEquity has received claim information from your insurance.
   • Clicking ‘New’ will allow you to enter specific claim details such as patient and date(s) of service.
5. The ‘Payment Detail’ page will allow you to enter the amount of the expense, as well as the provider’s billing information, such as invoice number or account number.
   • Clicking ‘Next’ will take you to a review page to confirm the payment before it is sent.

In the event that recurring payments need to be sent to a provider, on the ‘Payment Detail’ page, enter the entire balance of the expense in the ‘Unpaid Amount’ box. Under ‘Payment Amount,’ select the option for ‘Scheduled Payments.’ You will be able to specify the number of payments you would like to send, the amount of each payment, and the dates you would like them to be made. If you want each payment to be equal and sent on the same date each month, the ‘Divide Payments’ button will do the computing for you.

Request reimbursement:

Easily reimburse yourself from your HSA for payments you made out-of-pocket:

1. From the ‘Claims & Payments’ tab, select ‘Request Reimbursement.’
2. Select to have the funds come out of your HSA and then select ‘Enter claim record and send payment’ before clicking ‘Next.’
3. Select ‘Reimburse Me.’
4. Choose to enter new expense or select an existing expense if HealthEquity has received claim information from your insurance.
   • Clicking ‘New’ will allow you to enter specific claim details such as the provider originally paid, patient, and date(s) of service.
5. The Payment Detail page will allow you to enter the amount of the expense, as well as how you would like to be reimbursed.
6. If you have not done so already, you can add your banking information (for EFTs) directly on the member portal by clicking ‘Add Account’.
   • Clicking ‘Next’ will take you to a review page to confirm the payment before it is sent.

Documentation Library:

The Documentation Library, also located under the ‘Claims & Payments’ tab, is a convenient way to store and manage your receipts, EOBs, invoices, etc. By uploading your medical documentation here, not only is everything kept in one central location, but you can access the documents for years to come; eliminating the need to hold onto originals that are easily lost or damaged. While this action is not required, it’s a powerful tool for electronic record keeping.

Getting started:

By selecting ‘View Receipts & Documentation’ from the ‘Claims & Payments’ tab, you will be taken to a page to either upload or view your medical documents. Any uploaded documentation that has not been linked to a claim or payment will display in the ‘To Do List.’ Images that have already been linked will display under ‘My Linked Documentation.’ Hovering over the paper clip icon will allow you to preview the image. To view specific details, click on the icon. To see which claim or payment an image is linked to, click on the icons to view more specific information.

Add new documentation:

To upload a new document:

1. Click ‘Add New Item,’ where you will be able to browse for the file.
2. Specify the date of expense, type of documentation (‘Receipt,’ ‘EOB,’ ‘Invoice,’ ‘Other’).
3. Add any applicable notes.
4. Check the box confirming quality of the image and click ‘Submit.’ This will take you to a page with a preview of the documentation, as well as the ability to ‘Create New Claim,’ ‘Link to Claim,’ ‘Link to Payment,’ ‘Update,’ or ‘Delete.’

Create new claim:

By creating a new claim, you will be able to request either a provider payment or a reimbursement using the same process located in the ‘Pay Doctor/Provider’ and ‘Request Reimbursement’ sections (page 25).

Link to claim or payment:

By selecting ‘Link to Claim’ or ‘Link to Payment,’ you will be able to associate the uploaded image to an existing claim or payment. When linking to a transaction, if the payment you are looking for does not appear, select ‘Show All Transactions.’ Once linked, the specific claim or payment will display underneath the image details section.