Table of contents

Online member portal

The online member portal is a powerful tool that gives you access to all account management features. 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.

To access your account, visit https://my.healthequity.com.

Logging into to your member portal

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

Logging into your portal the first time

  • Navigate to the member portal at https://my.healthequity.com.
  • Click ‘Create user name and password’ located under the message ‘Are you a member logging in for the first time?’
  • Enter the verification code that appears on the screen.
  • Enter your personal information (first name, last name, zip code and birth date) and click ‘Next.’
  • Enter the last four digits of your social security number and the last four digits of your debit card number.
    • After entering the card number correctly, you can set up your account username and password.
    • Otherwise, leave that field blank and click ‘Next.’
  • Enter a phone number for verification, select ‘Text Me’ or ‘Call Me’ and then click ‘Next.’
  • You will receive a call or text with a temporary password. Enter the password and click ‘Next.’
    • After entering the passcode correctly, you can set up your account username and password.
  • If you cannot verify your phone number, click ‘I don’t have a phone.’ A popup message will appear stating that additional questions are required. Click ‘Answer questions.’
  • You will be asked a few questions on subjects such as:
    • Vehicle ownership history
    • Education history
    • Job history
  • After answering these questions, you can set up your account username and password.

Logging in to your portal after your first login


Home page dashboard

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

Dashboard widgets

The homepage dashboard gives you quick and easy access to key information and common account actions. This allows for a complete account overview at-a-glance by using informative widgets containing your account’s most important details:

Account balance: Your account balance is the first item on the home page dashboard. If you have invested any money, or have another account such as an FSA or HRA, these balances are displayed here with your HSA balance. To view balance details, click on each type of account to view your transaction history.

Quick links: This panel contains common account action items such as making payments, requesting reimbursement, making contributions, viewing claims and accessing your investments.

FSA/HRA plan info (if applicable): If you elect an LPFSA or HRA to supplement your HSA, there is a widget for each additional account on your dashboard. It includes current balance and important plan dates. Click on the links provided for a comprehensive overview of your reimbursement account(s).

Resources: This widget displays the tools and links you need to become a better consumer of healthcare and improve your overall wellness. Specific tools vary based on your insurance and employer plan specifications. Refer to your personal member portal to view your available resources.

To do: With suggested action items, your to do list features helpful reminders and alerts to keep you up-to-date with your account. This includes any open claims that might require payment, unlinked receipts located in the documentation library, and any unread messages in the message center. Clicking on each item takes you to the page where you can view and resolve any outstanding items.


Intuitive navigation

The member portal navigation provides a user-friendly interface for easy, self-service account management. Hover your mouse over the tabs to view the list of sub-menu options. Clicking on a specific link will take you directly to the desired page.


Responsive web design

Customized to all viewing devices, the HealthEquity member portal dashboard is optimized for desktop, laptop, tablet and mobile access. Including an ever-present navigation bar, your tabs and other helpful features remain visible as your scroll.


My account

The ‘My Account’ tab gives you access to information and settings regarding your HSA.

Account summary

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.

Verify your account

To verify your EFT account, HealthEquity will make a small deposit. Once the deposit has been made, return to the HealthEquity member portal to verify the amount received. As soon as your EFT account is verified, you can use it for contributions and reimbursements.

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 by following these steps:

  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.
    • To use your account for contributions and reimbursement, HealthEquity must first verify the authenticity of the 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 you to submit a voided check to verify the account information.

Statements

View your monthly statements, year-end statements and tax documents here at any time. Select a year to view a statement and click the link to open a PDF.

HSA

From this menu, you are able to access account details such as current interest rates, transaction history and contribution history, and make contributions to your HSA. 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 and select ‘Make Contribution.’ You can make a one-time contribution or set up recurring monthly contributions.
  2. Select an EFT account.
  3. Enter the amount you want to contribute.
  4. Select the tax year you would like the contribution applied to.
  5. Click ‘Contribute.’

Investments

The ‘Investment’ page is a user-friendly platform that allows you to build a portfolio and manage your investments with the click of a mouse. For more information, view our guide on investing.

Manage cards

The ‘Manage Cards’ page allows you to view, order replacements and activate your debit card(s) from the member portal. To report your card lost or stolen, contact member services.

Add individuals

‘Add Individuals’ will allow you to add beneficiaries and dependents to your account, and to authorize any users you would like to have access to your account.

‘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. To authorize an individual on your account, call member services or complete the account authorization form located under ‘Docs & Forms.’

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 the beneficiary designation form located under ‘Docs & Forms.’
  3. Enter the required information: Name, DOB, SSN and address for each individual.
    • You can add both primary and contingent beneficiaries, up to four 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 information such as 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

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

Instructions

  • Select ‘View Claims’ from the ‘Claims & Payments’ tab.
  • To send a check to a provider or reimburse yourself for expenses you paid out-of-pocket, select the appropriate action buttons that accompany the open claim.
    • If there is a patient responsibility, HealthEquity’s system will give you the option to ‘Pay Provider,’ ‘Reimburse Me,’ or ‘Close Expense.’ Paying a provider will issue a payment directly to your doctor from your HSA. If you have paid out-of-pocket for an expense, you can reimburse yourself by clicking ‘Reimburse Me.’ If you paid the provider with your HealthEquity debit card, or do not want to use your HSA funds to pay that particular claim, simply click ‘Close Expense.’ When your insurance pays the expense, the claim will display in the HealthEquity member portal as ‘Closed.’
  • Provider information is usually included on claims sent to us by your insurance, but we recommend verifying the address before approving 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 can manually match a transaction to a claim by following the prompts when clicking ‘Close Expense.’

Claims marked as ‘Private’

HealthEquity protects personal health information and does not display claim details for any dependent without their consent. To access ‘Private’ claim information, a dependent privacy access form must be completed by your dependent(s) and submitted to HealthEquity. This form can be found under the ‘Docs & Forms’ tab in the HealthEquity member portal.

Sample screenshot

Instructions

  • Select ‘Add Claim’ from the ‘Claims & Payments’ tab.
  • Select whether you would like to ‘Enter claim record and send payment’ or ‘Enter claim record only.’
  • Enter the record keeping information such as who the expense was for, date(s) of the expense, claims type and details, and click ‘Next.’
  • Enter the amount of the claim and the provider information on the next screen before clicking ‘Next’ to finalize.

Instructions

  • Select ‘Pay Doctor/Provider’ from the ‘Claims & Payments’ tab.
  • Indicate that you would like to ‘Enter claim record and send payment’ and click ‘Next.’
  • Select ‘Pay Provider’ and click ‘Next.’
  • Choose whether you will be paying a new expense or an existing claim.
    • Clicking ‘New’ will allow you to enter specific claim details such as patient and date(s) of service.
  • The following screen will allow you to specify the amount you would like to pay as well as the provider’s billing information.
    • Please verify the address before approving payment, even if the claim was sent to us by your insurance.
    • To set up recurring payments to a provider, in the ‘Payment Amount’ section, select ‘Scheduled Payments.’ You can specify the number of payments, the amount of each payment and the dates you would like them to be sent.
  • Click ‘Next’ and review payment details.
  • Check the box to authorize payment before clicking ‘Finish.’

Set up an EFT (electronic funds transfer)

  1. Select ‘Profile Details’ from the ‘Profile’ menu under the ‘My Account’ tab.
  2. Under ‘Account Information,’ click the ‘Add/Edit’ button.
  3. Enter the requested information. You will need a copy of a personal check for reference.
  4. Select an account purpose.
  5. Click ‘Authorize.’

Your account will need to be verified before you can make contributions or request reimbursement.

Instructions

  • Select ‘Request Reimbursement’ from the ‘Claims & Payments’ tab.
  • Indicate that you would like to ‘Enter claim record and send payment’ and click ‘Next.’
  • Select ‘Reimburse Me’ and click ‘Next.’
  • Choose whether you will be paying a new expense or an existing claim.
    • Clicking ‘New’ will allow you to enter specific claim details such as patient and date(s) of service.
  • The following screen will allow you to specify the amount you would like to be reimbursed and how you would like to be reimbursed.
    • To set up recurring reimbursements, in the ‘Reimbursement Amount’ section, select ‘Scheduled Payments.’ You can specify the number of reimbursements, the amount of each reimbursement and the dates you would like them to be sent.
  • Click ‘Next’ and review payment details.
  • Check the box to authorize payment before clicking ‘Finish.’

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, not only is everything kept in one central location, you can also access the documents for years to come. This eliminates the need to hold on to originals that are easily lost or damaged. While this action is not required, it is a powerful tool for electronic record keeping.

Instructions

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 see which claim or payment an image is linked to, click on the icons to view more specific information.

Sample screenshot

Instructions

  • Select ‘View Receipts & Documentation’ from the ‘Claims & Payments’ tab.
  • Click ‘Add New Item.’
  • Click ‘Browse…’ to locate and upload the file, and specify the date of the expense, the type of documentation, and add any applicable notes.
  • Check the box confirming image quality and click ‘Submit.’
  • The image will now appear in the ‘To Do List.’

Save now, cash in later

The documentation library is a powerful tool to track your reimbursable expenses in the event that you would like to delay reimbursement and cash in later.

Instructions

  • From the documentation library, click on the uploaded image you would like to link to a claim or payment.
  • Select whether you will be linking the document to a claim or a payment.
  • Check the box(es) of the claims or payments associated with the document.
  • Click ‘Submit.’

Docs & forms

Account documents and statements are located under the ‘Docs & Forms’ tab, including account maintenance forms, tax documents and monthly account statements. You can also access any uploaded receipts and medical documentation from this tab.

For a complete list of forms available, refer to your personal member portal.


Resources

This tab provides useful tools and resources to help you maximize your health savings and overall wellness.

For a complete list of available resources, refer to your personal member portal.