Manage your account — anywhere, anytime — with our member website and mobile app.
Get the App
Download the Highmark Blue Shield Spending app from your phone's app store and use the info below to register.
- Registration ID: Enter your 16-digit HSA debit card number
- Employee ID: You can find this ID on the front of your member card. Enter all 12 digits and add an additional zero at the end.
Access your HSA
First-time user? No problem.
Go to highmarkbcbs.com and click Register to create your account.
Stay on top of all things HSA with real-time notifications on your account. Just select the gear icon on the dashboard to customize how you receive messages — text, email, or both.
Complete your HSA Setup
After you register, go to the Claims & Spending tab and then click the blue Access button to set up your Personal Dashboard.
On the dashboard, you can:
- Sign up for direct deposit.
- Designate beneficiaries.
- Manage your debit cards.
- Set up digital communication preferences (and avoid the $1.25 fee for paper statements).
Using your HSA
Paying your expenses
To submit a claim, pay your health plan expenses, upload a receipt, and do anything else claim related, just click on the Claims & Spending tab.
To pay a provider for a deductible or other expense, go to the top left menu and select Claims, then Claims Activity. Just click on Pay Claim next to the desired claim you want to pay.
To pay or get reimbursed for other types of expenses like dental or vision, go to the top left menu and select My Accounts. Then select Bill Pay and click the HSA Bill Pay button.
Using your debit card
You’ll manage your cards and request additional cards for your dependents by clicking on your name and selecting Debit Card(s).
You can also request cards for dependents not on your medical plan by clicking on Adding a Family Member under your name.
Contributing to your HSA
If you’re enrolled in a qualified high-deductible health plan, you can make contributions to your HSA.
Visit highmarkspendingaccounts.com to see the current annual contribution limits set by the IRS.
Payroll Elections
If you opted to have your HSA be deducted from your paycheck, it will be deducted from the pre-tax amount each pay period.
This also lowers your taxable income, which is a bonus.
Individual Contributions
You’ll need to connect your bank account to your HSA in order to make individual contributions. Click into the HSA summary on your dashboard and then click Contributions.
Once your account is successfully linked to your HSA, you can get started on that same Contributions page.
Rollover Contributions
If you have an HSA with another financial institution, you can avoid potential fees by consolidating them into one account. Just download the Transfer of Assets form from Forms and Documents under Resources on the top left menu.
Tax Information
You’ll get two tax forms each year for your HSA.
- 1099-SA Form: Arrives in January and shows distributions paid for HSA expenses for the tax year
- 5498-SA Form: Arrives in May and shows your HSA contributions for the tax year
You can also find these forms on the Tax Forms page under HSA summary on the dashboard.
Investing your HSA funds
You can open an investment account once your HSA cash balance reaches $500. Any HSA dollars over the minimum balance of $500 can be invested in ETFs (Exchange Traded Funds) in your choice of three different investment paths (we cover those on the next page). If your balance falls below the minimum, you can’t make further investments until it’s back up. The minimum investment amount is $1.
Some things to note about investing your funds:
- A monthly fee (based on your investment path) will be debited from your HSA.
- Your account may lose value over time.
- It’s not an FDIC-insured account.
- It’s not bank issued or guaranteed.
Opening your investment account
Click on your HSA balance in the My Accounts section, then click the Investment button. From there, click Start Investing and follow the prompts to register and begin investing.
Choosing your investment path
You have three options to choose from. Here's how each one works:
Managed (novice investors)
- You decide how much you want transferred from your HSA cash account to your investment account.
- After answering a risk questionnaire, you’re matched with a fund portfolio.
- The advisor tool will regularly rebalance and manage your portfolio for you.
Self-directed (intermediate investors)
- You decide how much you want transferred from your HSA cash account to your investment account.
- You allocate a percentage of your funds into a curated fund lineup.
- You’re responsible for rebalancing your portfolio, if you choose.
Brokerage (skills investors)
- You can freely transfer money back and forth between your HSA cash account and HSA investment account.
- You can also search for stocks and exchange-traded funds (ETFs) on the platform and buy full or fractional shares.
Managing your investment account
Real-time trading: Once your HSA hits a certain balance, you can immediately move funds into your investment account, rather than waiting the 24 to 48 hours typical of other platforms. You’ll have access to a full suite of exchange-traded funds (ETFs), which, when traded in real time, can lower costs for you.
Fractional trading: You can buy fractional shares of desired ETFs and stocks up to eight decimal points (compared to three decimal points at Schwab and TD Ameritrade).
Navigating your dashboard
Once your account is open and funded, you can use your Investments dashboard to:
- See your account summary.
- View transactions.
- Move money between accounts.
- Access important documents.
- Manage your account settings.
Just click on the tabs at the top of the dashboard to navigate between pages.
