Is the employee required to pay the health practitioner before submitting a claim?

Yes. A Health Spending Account is essentially a medical expense reimbursement plan.

The employee pays for their health, dental, vision, prescription drug, etc, expenses personally. To get reimbursed, the employee submits a claim on-line using our secure HSA website.

A cheque or direct deposit amount is then issued to the employee, as soon as we have adjudicated the claim and sufficient funds are available from the employer.