Health Spending Account

The health spending account (HSA) is used to pay for eligible medical and dental expenses beyond those covered by the supplementary health care (SHC) and dental care plans.

Eligible Expenses

  • Any coinsurance payments and amounts in excess of coverage limits under the SHC and dental plan
  • Charges for dental procedures in excess of the regular dental plan's payment limits
  • Vision care expenses such as eye exams, glasses, contact lenses and laser eye surgery in excess of the coverage under the supplementary health care plan
  • Prescribed lifestyle benefit expenses such as nutritional supplements
  • Paramedical practitioners including chiropractors, acupuncturists, optometrists, massage therapists, physiotherapists and psychologists in excess of SHC plan coverage. Practitioner registration number must be provided in order for the claim to be considered for reimbursement. Massage therapist services are subject to Sun Life accreditation standards and must have 2,200 hours of certification.

To view delisted providers (providers that Sun Life will not reimburse for), you must log in to mysunlife.ca, click on "Coverage Information". On the right hand side, select "Delisted providers list" to ensure that the service provider has not been delisted.

Eligible dependents who qualify for the medical tax credit

Your health spending account can be used to cover expenses incurred by you and any dependents who qualify for the medical tax credit. HSA reimbursements are directed to the account before tax is deducted and are not subject to income tax.

A detailed list of eligible expenses can be obtained through the Canada Revenue Agency (CRA) website. This account can help you cover expenses for extended family members who would not be eligible under the university's benefit plan.

How to Make a Claim

Direct billing from your HSA is not available. Make a Claim through the Sun Life Members Services website or their mobile app. Information about access to the Sun Life web can be obtained at Sun Life Member's Services webpage.

You can also use the Sun Life Extended Health Care and Health Spending Account and Dental & Health Spending Account claim forms so you can submit both your standard benefit claim and your Health Spending Account claim at the same time.

Keep copies of your original receipts for 12 months in case you need to submit them. If the original receipt was sent in for payment through your standard benefit plan with Sun Life and you did not indicate co-ordination with your HSA, you will have to include the Explanation of Benefits with your claim. Sun Life will require the Explanation of Benefits statement that you received along with your payment from the other carrier.

Claiming Deadlines

Claims must be received by Sun Life within 90 days following the end of the calendar year in which the expense was incurred. This deadline for claims for expenses incurred during the previous calendar year is March 30.

Credit Carry Forward

HSA credits are deposited into your account on January 1 of each year. Unused credits can be carried forward for one year only to pay for expenses incurred during the following benefit year. At the end of the second benefit year (December 31) any unused carried forward credits are forfeited by the member. For example, credits deposited on January 1, 2020 and not used by December 31, 2021 will be forfeited.

End of employment

If your term of employment ends prior to the end of the calendar year, you are still eligible to receive the full amount, but your expenses must have been incurred during the term of your employment with the University of Alberta.

When you end your employment your participation in the HSA plan ends at that time. Expenses must be submitted for reimbursement by March 31 of the year following the year the expense was incurred to be eligible for payment.

Managing Your Health Spending Account

Your HSA can be managed via the web on the Sun Life Member Services website or the mobile app. This site will provide up-to-date information on your account status including claims paid and your account balance.
Information regarding access to the Sun Life web can be obtained at Sun Life Member's Services webpage.

Questions About Your Health Spending Account

Contact the Sun Life Customer Care Centre for prompt answers to any questions you might have about your HSA at 1-800-361-6212. Further information about the Health Spending Account is available through Member Services on the Sun Life website or the mobile app.

Academic Staff and Management and Professional Staff

On January 1, eligible staff members receive an annual credit allocation of $750 per calendar year from the university. Credit can be carried forward for one year of unused benefit.

Support Staff Health Spending Account

Eligible support staff receive an allocation $1,250 to divide between their Health Spending Account (HSA) and their Personal Spending Account (PSA) during the open enrollment period which occurs within the fall term. If a staff member takes no action, returns from a leave, or is hired after the open enrollment dates, the default amount of $1,000 for HSA and $250 for PSA will be allocated between the Spending Account Allocations for the calendar year.

Part-time employees

The annual $1,000 credit allocation is not prorated. You are eligible for the full amount.