Title: Unable to Use My Own Health Saver Funds – Forced to Pay Out of Pocket

I am extremely frustrated with the way this situation has been handled by Momentum Health.

A family member of mine is scheduled for surgery, and there is a co-payment due. The issue is not that the co-payment won’t ultimately be covered — our GAP cover will take care of that. The real problem is the unnecessary and avoidable financial strain this process has created.

I have more than enough funds available in my Health Saver to cover the co-payment. However, Momentum insists that the hospital must use Scan2Pay in order for those funds to be accessed. The hospital, on the other hand, does not support or use Scan2Pay.

This leaves me in an absurd position: I have the money sitting in my account, yet I cannot use it.

As a result, I am now being forced to pay the co-payment out of my own pocket and then wait for reimbur*****t from Momentum — on their timeline. This is completely unreasonable. It effectively means I must go and borrow money to cover a cost that I already have funds for, simply because of Momentum’s inefficiency and lack of practical payment solutions.

Frankly, this is unacceptable. It raises serious concerns about how member funds are accessed and whether the system is designed with any real consideration for the client’s situation.

I find this process both frustrating and *********. Clients should not be placed under financial pressure due to administrative limitations, especially when the funds are already available.

Momentum needs to urgently address this disconnect between their systems and healthcare providers.