Table of contents

How it works

Select the tab to find steps on how to use your HSA at the doctor's office or the pharmacy.

  1. Receive services

    With an HSA-qualified plan, copays are not typically required at the time of service. Be sure to present your insurance ID card. If your healthcare provider requires a deposit, it will be applied to your invoice.

  2. Provider bills health plan

    Provider submits a claim to your health plan for services provided.

  3. Health plan sends EOB

    An explanation of benefits (EOB) is sent to you outlining the negotiated or allowed charges and summarizes your year-to-date deductible and co-insurance totals. In some cases, your health plan may send a copy of your claim to HealthEquity, which will appear in the member portal.

  4. Provider sends invoice

    The provider sends you an invoice, or statement, reflecting the allowed charges. Make sure the amount matches the EOB sent by your health plan. If not, contact your health plan.

  5. Pay invoice with HSA

    You can pay for qualified medical expenses with your HSA debit card or create an online payment that is sent directly to the provider or as a reimbursement to you.

  1. Obtain prescription

    Obtain a legal prescription from your doctor for required medication and present it, along with your insurance ID card, at the pharmacy.

  2. Pharmacy verifies insurance coverage

    The pharmacy checks with your insurance on-the-spot to determine the amount you owe for the prescription.

  3. Pay for your prescription

    The pharmacy fills your prescription and you pay the determined amount owed. The expense is automatically applied to your deductible or coinsurance. Your HSA debit card is a convenient method of payment.

over the counter medication

Over-the-counter medication

The IRS does not allow HSA funds to be used for over-the-counter (OTC) medicines without a prescription. You can ask your doctor to write a prescription for OTC medicines or supplies that you frequently use so that you can use your HSA to pay for these items.