Health Benefits for
Teams Startups Employees Families
0 +
eligible health expenses
0 %
coverage for employees
$ 0
monthly fees
Employee Health Benefits
The HSA Health Wallet
- Tax-free for employees and owner-employees
- Includes 140+ eligible health expenses
- Available without deductibles or copays
- Provides coverage for dependents
For Employers
More benefits per dollar spent
- No premiums
- Tax advantage
- No monthly or annual fees
- Easy to use
Comprehensive Coverage
140+ Eligible Health Expenses
*Prescription or doctor’s written confirmation is required for some of the listed items to qualify.
- Routine dental care, including exams, cleanings, polishing, oral hygiene, x-rays, and gum treatments
- Restorative dental work, including repairing, root canals, fillings, and tooth extractions
- Denture-related expenses, including repair and replacement
- Orthodontic work, including braces paid to a medical practitioner or a dentist. Expenses for solely cosmetic procedures are not covered.
- Eyeglasses or contact lenses
- Optician, Optometrist, Ophthalmologist
- Laser eye surgery
- Acupuncturist (R.Ac.) – Anesthesiologist
- Athletic Therapist (must provide professional registration number)
- Audiologist
- Chiropodist
- Chiropractor (DC)
- Dermatologist*
- Dietitian or Nutritionist (Registered)
- Gynaecologist (Ob. Gyn)
- Homeopath (Registered Professional)
- Kinesiology
- Massage Therapist (must be provincially registered)
- Mental Health Professional (Registered): Clinical Counselor (RCC), Psychiatrist (M.D.), Psychoanalyst, Psychologist (R. Psych), Psychotherapist (RP), Registered Psychotherapist, Social Workers (RSW, MFT)
- Midwife (Registered)
- Naturopaths (ND)
- Neurologist
- Nurse (RN, LPN, NP)
- Occupational Therapist
- Orthopedist
- Osteopath (must have a certificate or be licensed in the jurisdiction where the individual resides)
- Pharmacist
- Physician (MD), Pediatrician, Podiatrist (DPM), Surgeon
- Physiotherapist (B.PhysT, B.ScPhysio, B.Physio, CPTA)
- Plastic Surgeon (Must be medically required with doctor certification)*
- Prosthetist
- Respiratory Therapist
- Speech Therapist (SLP)
- Traditional Chinese Medicine Practitioner (TCM)
- X-Ray Technician
- Any prescription medicine obtained through a licensed pharmacist is eligible
- Medicinal cannabis*
- Cosmetic surgery – considered a medical expense if it is performed for medical or reconstructive purposes, such as correcting a congenital deformity or injury from an accident
- Covid tests – completed and processed by a lab or pharmacy
- Electrolysis – amounts paid to a qualified medical practitioner.
- Fertility-related procedures – expenses incurred for medical treatment or hospitalization for conception of a child. Expenses for a surrogate mother are not covered
- Laser eye surgery – the amount paid to a medical practitioner or a public or licensed private hospital
- Medical services provided outside of Canada – if you travel outside Canada to get medical services, you can claim the amounts you paid to a medical practitioner and a public or licensed private hospital
- MRI, Ultrasound, X-Ray Treatments
- Tests – the cost of non-holistic diagnostic tests such as electrocardiographs, stool examinations, sugar content tests, metabolism tests, radiological services or procedures, urine analysis, spinal fluid tests, allergy and asthma testing*
- Treatment centre for a person addicted to drugs, alcohol, or gambling*
- Air conditioner for a person with a severe chronic illness, disease, or disorder. The eligible amount is $1,000 or 50% of the amount paid, whichever is less*
- Air filter, cleaner, purifier for severe chronic respiratory ailment*
- Any apparatus or materials paid directly to a doctor, dentist, nurse, or hospital
- Any device designed to assist an individual in walking where the individual has a mobility impairment
- Baby breathing monitor with written certification from a medical practitioner that the infant is at risk of sudden infant death syndrome*
- Bathroom aids to help a person get in or out of a bathtub/shower or on and off a toilet*
- Brace for a limb, spinal brace
- Braille note takers, printers, synthetic speech systems, large print-on-screen devices, computer peripherals, and other devices designed for a person who is blind to operate a computer*
- CPAP – Continuous Positive Airway Pressure Devices and supplies
- Crutches
- Diabetic supplies and devices
- Electronic bone healing device*
- Exercise equipment prescribed by a physician for treatment or recovery from an illness or injury*
- Hearing aids or personal assistive listening devices including repairs and batteries
- Heart and blood pressure monitoring devices, pace makers, including repairs and batteries*
- Hospital bed if required in home*
- Incontinence supplies catheters, catheter trays, tubing, etc.*
- Needles and syringes
- Orthotic inserts, orthopaedic shoes or boots*
- Oxygen and equipment*
- Phototherapy equipment for treating psoriasis or other skin disorders
- Prosthetics, artificial limb
- Renovation expenses specifically required for person with mobility impairment. Doctor confirmation required*
- Support hose, compression stockings, to relieve swelling*
- TENS/Electrotherapy devices*
- Wheel chair, scooter, power operated chair or lifts for persons with mobility impairment*
- Wigs – for people who have suffered abnormal hair loss because of an accident, disease, or medical treatment*
- Doctors note or form completed by a doctor
- Employee premiums paid to a non-government health, dental or vision plan, such as Blue Cross are eligible for reimbursement
- Gluten-Free Products*
- Home care for an illness or disability*
- Private healthcare
- Membership or access fees paid to a private medical clinic must be pre-payment for eligible medical expenses
- School for individuals with mental or physical impairments*
- Travel for healthcare*
- Travel insurance (emergency medical only)
- Ambulance to and from the hospital
- Hospital bill
- Vaccines
How it Works
Build your Benefits Plan in 4 Setps
1.) Add Employees
Create an account and add employees from your organization using their email.
2.) Build The Plan
Create Health Wallets and then attach employees to the Health Wallets.
3.) Fund The Plan
Fund your health plan with a 15% refundable deposit of annual plan value.
4.) Login
Employees receive a welcome email with login link to their Health Wallet.
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Download our
Ultimate Guide to HSAs
Learn more about Health Spending Accounts with the Our Ultimate Guide to HSAs
