Your HSA-Compatible High-Deductible Plan

• Easy-to-use online access to claims and payments—access claims, pay bills, get reimbursements, and more—all from a single, easy-to-use online portal.
  • For direct access to your HealthEquity HSA account: Simply log in to MyWHA account, click on Health Savings Account in your MyResources toolbar, and click Connect to My HSA.
• Live service 24/7/365—get the same service at 2 a.m. or 2 p.m. from knowledgeable, US-based HealthEquity Member Services specialists.
• Remarkable education and support—Rely on HealthEquity Member Services and online resources to get the most from your HSA.
• Knowledge of your WHA claims data to “bridge the gap” between your responsibility under insurance, and your payments from your HSA.
• Everything you get from a typical HSA and more—including: FDIC-insured cash deposits that earn competitive interest rates Free mutual fund investment options with no transaction fees¹ Free HealthEquity Visa® health account card†

^†This card is issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc. The Bancorp Bank; Member FDIC.
¹Investment options and balance thresholds required to invest vary and are subject to change.

Your deductible is the total amount you will pay annually for certain covered medical and prescription services and supplies before WHA will cover expenses. Copayments are typically smaller dollar amounts or percentages. Some plans will always have you pay a copayment for a service while other plans only require one once you reach your annual deductible. Once your deductible and copayment costs reach your annual out-of-pocket (or OOP) maximum, you are done paying for expenses. WHA will cover 100 percent of your covered services for the remainder of the calendar year.

Western Health Advantage partners with leading service providers to ensure that our members get the best rates available. This means that you’ll enjoy consistent savings on your health care services and supplies.

Use our medical service cost estimator (Rx pricing coming soon) to see what is the estimated cost of a specific service you intend to receive.

Yes, payments you make for prescriptions covered under your plan will apply to your deductible and OOP maximum. It’s important to note that covered prescriptions must be obtained from a participating provider and must be run through WHA’s contracted pharmacy benefit manager in order to be applied. Prescriptions obtained from a non-participating provider are limited to urgent or emergent situations.

Be sure to present your WHA member ID card to your provider. If a copayment is due at the time of service, you can use your HSA debit card to pay from funds you’ve deposited in your account. Keep all of your receipts in a safe place.

In most cases, you will be billed for covered office visits, labs and other health care services. These bills are qualified medical expenses and can be paid out of your HSA.