What is Aya’s coverage offering?

Aya provides Health Spending Accounts (HSA), Wellness Spending Accounts (WSA), and a flexible HSA+WSA solution for businesses of all sizes. With our Flex option, employees can allocate funds to either account within set limits.

What product options are available?

Aya’s all-in-one digital wallet, accessible on desktop and mobile (rated 4.7 on iOS and Android), gives employees instant access to submit claims, view history, eligibility, balances, and plan information. You choose between our Prepay and Postpay options; Prepay includes our popular Visa card with white-labeling options!

How is Aya different from other benefit providers?

Aya provides full transparency with no hidden fees, clear reporting, and automated tools at your fingertips. Businesses, corporate contacts, employees, and advisors (if working with a broker) enjoy 24/7 access to personalized portals. Save money with less effort—learn more about supporting your employees on the Employees Page!

How does Aya protect data security and privacy?

Aya follows the highest security standards, including CRA and FINTRAC compliance including KYC and AML procedures, and is undergoing SOC2 certification. Our platform offers trackable history, real-time reporting, and invoices via the Aya Portal. Aya’s AI reviews 100% of claims, reducing delays and fraud by 10x, and separates taxable from non-taxable benefit spending.

For more details, visit ayacare.com/privacy-policy.

How do I know if my team is eligible for Aya benefits:

Aya is available to all registered businesses in Canada—small, medium, large, or enterprise—with one or more employees, with no size restrictions. Self-employed individuals qualify if they receive T4 income from their incorporated business.

For HSAs, employers set up and fund the accounts, defining eligibility based on job level or status for their employees. Eligibility can include full-time, part-time, seasonal, and contract employees, depending on the employer’s plan rules and whether employees are T4’d or T4A contractors under ELHT guidelines.

What if we already have a provider?

No problem! Eligible expenses go to their primary group benefits plan first, then to their partner’s plan if applicable. Any unpaid portions can then be submitted to Aya’s HSA/WSA for comprehensive coverage. 

Coverage Scenarios

1. Prepay – No Coverage with Traditional Plan
   • Pay with Aya Prepaid Visa Card.
   • Submit receipt via Aya app or portal—no out-of-pocket (OOP) expenses.
2. Prepay – Traditional Coverage with Direct Billing
   • Use Aya Card for remaining balance.
   • Submit receipt via Aya app or portal for no OOP expenses.
3. Postpay – Traditional Coverage Without Direct Billing
   • Pay OOP, submit claim to traditional plan, and submit remaining balance via Aya app or portal.

I love what Aya is doing, can I transition my existing plan?

You sure can! Let’s chat about what you’re looking to accomplish. We can also  backdate a WSA up to one year and an HSA up to the more recent quarter.

How long does client onboarding take?

Once we receive the completed application, onboarding is completed within 24 hours. You can self enrol or email us if you’d like to be walked through the next steps!

What happens after we onboard?

Once enrolled, the business owner and Plan Admins( if applicable) receive automated welcome emails with everything they need to get started, including team enrollment guides. Your employees, once enrolled will queue for the same automations – invite and welcome emails with everything they need to know.

What happens during renewal season?

Renewal reminders are automated, with notifications sent at 90, 60, and 30 days before renewal. This gives clients time to consider plan updates, like adding HSA/WSA or adjusting class structures. If no changes are required then no action is needed, your plan will auto renew! No increases, just the same great plan.

Will the Aya Plan cost increase year over year?

No, costs only change if the employer updates benefit limits. Any unused funds are returned to you!

Can Aya backdate coverage for new clients?

Yes! WSA can be backdated up to one year, and HSA can be backdated to the most recent quarter.

Does my company need an HR Department to manage Aya?

No HR needed! Aya is designed to be simple and user-friendly for any business size, we also have a fantastic support team for any questions.

How do I get started?

Give us a shout and we’ll send you a self enrolment link or if you prefer to chat we’re ready and available- let’s do this!