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Health Spending Account

Are you incorporated? A HSA (Health Spending Account) turns out-of-pocket health and dental expenses into business expenses.


HSAs can be used together with a traditional insurance plan or a standalone product.

Many business owners find traditional plans can get expensive. HSAs maximize your health dollar investments. Make your money count today.

What are the benefits?


Without a HSA, anything you spend on health and dental comes from personal, after-tax income. With a HSA, use company dollars to fund the HSA and get reimbursed for your expenses tax-free.

  • No sign-up fees, monthly premiums, deductibles, or cancellation fees
  • Low negotiated administration fee on each claim
  • Cost certainty – no escalation of premiums
  • Revolutionary mobile claiming

Choose your business type and learn more:
Incorporated Individual
Incorporated Business

Trust your employees are in great hands. See what National HealthClaim users are saying...

"Just wanted to write to say thanks for the great service. I was scared to death of the painful instructions about mailing things in and… I don’t even want to think about it… but then I tried the app, and my claims were processed so quickly and efficiently I couldn’t be happier. Thanks so much."

Rob

"Just wanted to send a thank you for being so prompt with all of my claims. it is a nice treat to not have to wait a month or two for things to be completed. have a wonderful weekend and thank you again to your team."

Anita

"WOW. I don’t often send in reviews of applications, but in this case given the time savings that this mobile app has generated, I thought I must. What previously was a dreadful experience of scanning, saving, and submitting that could take hours, has been reduced to minutes with the ability to send an image of the claim."

Kevin


Frequently Asked Questions

Who administers the HSA program?

AREA, through our managed service provider – Rubbix Risk & Wealth Management – has procured National HealthClaim for our incorporated members.

You can reach them at 1.833.809.3616, Monday to Friday from 8:00 a.m. to 5:00 p.m. Alternatively, you can send them an email at areahealth@albertarealtor.ca and they will call you back at your convenience.

Who do I call to sign-up for the AREA HSA program?

You can sign up by calling 1.833.809.3616, Monday to Friday from 8:00 a.m. to 5:00 p.m. Alternatively, you can send email to areahealth@albertarealtor.ca and our team will call you back at your convenience.

Who is eligible to participate?

Applicants must meet one of the below criteria to be able to participate:

    1. Incorporated Individual; No arm’s length employees; receive T4 income; you may add spouse and your dependent children;
    2. Incorporated business with staff

What eligible expenses does the HSA cover?

Please click here for a list of eligible expenses under the AREA HSA program.

For a comprehensive list, please click here. 

What should I expect after I enroll my company?

Approximately one week after receiving the enrollment, a specialist from National HealthClaim will call you. We offer personal training on your new Health Spending Account. Options include video training, a detailed phone call or detailed email correspondence.

The day before the plan starts, you will receive a Plan Administrator welcome email. This email links to further support articles to help you login to the account. We send up a follow-up email the next day with our support staff reaching out to see if you have any questions.

All employees listed on the plan (including yourself as the plan administrator) will also receive a welcome email when the plan goes live. This email shows you how to download and use the mobile app, ClaimSnap, to make your claims. We also send a follow-up email the next day with our support staff reaching out to see if you have any questions.

Is there a training package for our company plan administrator?

Yes. The training package for your company plan administrator can be found here.  For further information, please email National HealthClaim at support@nationalhealthclaim.com or call 1.866.342.5908.

Who do I call if I or one of my employees as an issue processing a claim with our HSA program?

Please contact National HealthClaim directly at support@nationalhealthclaim.com or call 1.866.342.5908.

Alberta Real Estate Association Suite 217, 3332 20 Street SW Calgary, Alberta T2T 6T9
Toll Free: 1.800.661.0231 In Calgary: 1.403.228.6845
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    • FINTRAC + Anti Money Laundering
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Our membership work and live in Alberta, which we acknowledge as the traditional and ancestral lands of many peoples presently subject to Treaties 6, 7, and 8 – namely the Blackfoot Confederacy (Kainai, Piikani, and Siksika), the Cree, Dene, Saulteaux, Nakota Sioux, Stoney Nakoda and the Tsuu T’ina Nation, and the Métis People of Alberta. We recognize the many First Nations, Métis and Inuit who have cared for these lands for generations. We are grateful for the traditional Knowledge Keepers and Elders who are still with us today, and those who have gone before. We make this acknowledgement as an act of reconciliation and gratitude to those on whose territory we reside.
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