How It Works
How Wellbytes works for your business.
Set a healthcare allowance for your team. Employees submit eligible expenses, and Wellbytes handles claim review and reimbursement under your plan.
Start with the essentials
Understand your options
Explore how an HSA works, which businesses can qualify and how it fits with insurance.
The day-to-day process
Convenient. Fast. Reliable.
Self-onboard online in minutes, then follow the steps below to activate your plan and get your team started.
- Plan setupClasses and allowances
- Employee accessInvitations and plan rules
- Claim reviewPaid expenses and receipts
- ReimbursementWithin limits and funding
Self-onboarding
Self-onboard and activate your HSA
Begin with your company details, plan choices and benefits budget. Review your plan, sign the agreement online, then follow the payment and activation instructions for your arrangement.
Activation guide
Check account and benefit readiness
Account access, benefit eligibility, the available allowance and payment funding are separate checks. Work through the readiness guide when a new account, status or balance does not match the plan you expect.
Employer user guide
Use the employer portal
Create funding classifications, add an employee or import a team using the supplied template. Follow the field-by-field guide, review validation results and confirm the actual enrollment records before communicating benefit access.
Employee user guide
Submit and track a claim
Employees enter the covered person and expense details, upload readable supporting documents, then review and confirm the claim. Learn to follow status changes, open a declined claim’s reasons and distinguish approval from completed payment.
A budget you control
Manage your benefits budget
Separate employer funding, employee reimbursement banking, unused allowances and the full cost of your plan.
- Approved reimbursements
- Administration
- Applicable taxes and charges
Funding guide
Choose your funding arrangement
Choose a funding arrangement that fits your cash flow: Pay As You Go, Hybrid, Pay In Full or a budgeted option. Compare deposits, administration fees, reserves and payment requirements before you commit.
Bank account user guide
Set up reimbursement banking
Add the employee bank account used for reimbursements, complete the requested verification and check which account is selected. This app workflow is separate from employer funding and does not by itself release a payment.
Year-end guide
Manage unused allowances and deadlines
With Pay-As-You-Use, an unclaimed allowance is not a reimbursement cost or a claim-based administration fee. Check your plan’s deadlines, carry-forward choices and rules for any funds already deposited.
Fees and plan controls
Review fees and control your budget
Pay-As-You-Use administration is 10% of eligible reimbursed amounts, plus applicable taxes; prepaid options have different terms. Use the cost guide and employee-class controls to include claims, fees, taxes and carry-forward obligations in your financial ceiling.
More choice for your team
Build benefits your team values
Explore eligible healthcare, keep family records accurate and build a separate wellness offering around your plan.
eligible family
Expense directory
Explore eligible medical expenses
Browse dental, vision, prescription drugs, fertility care, authorized practitioner services and other medical categories. The expense directory explains the documents and conditions that can affect a particular claim.
Dependant user guide
Manage dependants and family coverage
Add the requested family information, provide any required evidence and follow the dependant review status. The guide also covers edits, deactivation and how covered-person records relate to the plan’s allowance and eligibility rules.
Wellness guide
Add wellness benefits
Pair the HSA with a separate Wellness Spending Account for plan-approved lifestyle expenses. Learn to set categories and budgets, keep personal taxable benefits distinct from medical reimbursements and reconcile the records.
Plan for the long term
Keep your plan running
Maintain plan settings, understand tax responsibilities and keep the records needed for employee changes and year-end accounting.
- Class
limits - Employee
changes - Claim
records - Plan
review
- Employee and class changes
- Claims, invoices and balances
- Year-end accounting review
Tax and records guide
Prepare for tax and year-end reporting
Understand qualifying PHSP treatment, Québec’s provincial difference and the records behind employer costs and employee benefits. The guide connects plan design, claim evidence and reconciliation without assuming an automatic tax export or a guaranteed outcome.
Ongoing administration
Keep employee and plan settings current
Review the plan’s waiting periods, proration, termination use and claim-submission rules as your team changes. Use the configuration reference and employer guide to check records, effective dates and the available administration actions.
Your next step
Build a plan around your team and budget.
Start with the self-onboarding guide, then follow the setup and activation steps for your plan. Our team can help you work through the right arrangement.
