BMO Health Savings Account, delivered by Lively
Get to know your new Health Savings Account

BMO is committed to offering exceptional financial services to our customers, which is why we’ve partnered with Lively to bring you a simple and modern HSA experience. Manage your health and financial well-being through an intuitive platform, with personalized support and a wealth of educational resources.

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Frequently Asked Questions

Using your HSA card

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How do I activate my card?

The fastest way to activate your card is by going to bmo.livelyme.com/activate or calling 855-584-4054.

With your card, you can use your HSA funds for all qualified medical expenses (as defined by the IRS), such as:

  • Doctor visits

  • Prescription drugs

  • Dental

  • Vision

Visit livelyme.com/whats-eligible to learn more about what’s covered.

Check support.livelyme.com for common decline reasons. Otherwise, contact us immediately via phone, email, or chat, so we can work with you to resolve any issues regarding your HSA-eligible purchase.

Your card can be used to pay for eligible expenses wherever debit cards are accepted. It cannot be used to receive cash back or at ATMs.

No. If prompted, select Credit when paying with your card, no PIN required.

We're here to support you! You have a few different options:

  • Search FAQs & chat with us at support.livelyme.com

  • Email us at support@livelyme.com

  • Call us at 888-348-2083 (8 a.m. to 8 p.m. CT, Monday-Friday)

HSA Benefits

Unlock new HSA potential

Health Savings Accounts are used to pay for your healthcare needs on a tax-free* basis. And as long as you have an HSA-eligible High-Deductible Healthcare Plan, you can contribute up to the annual limit each year. Here are just a few reasons to be excited about your new HSA:

  • Triple tax advantage: Save, spend, or invest*... it’s all tax-free! Nothing else on the market matches the HSA.

  • No use it or lose it: Like a 401(k), your HSA is yours for life and never expires. Carry as much as you want into the next year.

  • Peace of mind: Use HSA funds to cover your healthcare expenses today, or any unexpected needs that may arise tomorrow.

Read our HSA guide here

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Use it when and how you want

Take your HSA on the go

The Lively Benefits mobile app brings the beauty and simplicity of your HSA dashboard to the palm of your hand to help you make the most of this benefit, wherever you are.

  • View your account balance, keep a pulse on recent transactions, and even track how close you are to hitting your deductible

  • Manage your reimbursements, contributions, investments, and debit card from one convenient dashboard

  • Scan a product barcode to instantaneously verify whether or not you can purchase it with your HSA funds

  • Add your new HSA card to Apple Pay, Google Pay, or Samsung Pay mobile wallet for convenient access to your HSA funds.

Find the Lively Benefits mobile app on the App Store or Google Pay.

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*BMO Health Savings Accounts, delivered by Lively are provided by Lively Inc. and are subject to their approval. Lively Inc. is not affiliated with BMO Bank N.A. Contributions to and earnings on HSAs are not subject to federal taxes but may be subject to state taxes depending on where you reside. Neither Lively nor BMO Bank N.A. provides tax or legal advice. Seek the advice of your own tax and legal professionals to ensure your compliance with applicable HSA and other laws. Investment options are provided by Charles Schwab & Co., Inc. and Devenir; fees may apply. Investments are: NOT FDIC INSURED – NOT BANK GUARANTEED – NOT A DEPOSIT – MAY LOSE VALUE.