Health Spending Accounts
Employee Health Benefits

Flexible & Comprehensive Health Coverage for Teams

Built for Canadian Small and Midsize Businesses

Health Spending Accounts

Build your Benefits Plan on our Platform

Health Spending Accounts
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Eligible Health Expenses

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Coverage

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Low Admin Fee

Health Spending Accounts
For Employees

Your HSA Health Wallet

is packed with 140+ Eligible Health Expenses. 

  • Full Comprehensive Coverage
  • No Deductibles or Copays
  • Non-Taxable Benefit
  • Dependent Coverage
Health Spending Accounts

Health benefits for small businesses workers startups nonprofits

without insurance premiums

Health Spending Accounts
For Employers

Attract and retain team members with flexible health benefits

Instead of paying premiums, employers allocate flexible health credits to employee health wallets. 

  • No Premiums
  • Tax Advantage
  • Easy to Use
  • Monthly Reports
Free Copy

Ultimate Guide to HSAs

Learn more about Health Spending Accounts with the Our Ultimate Guide to HSAs

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*
  • Vaccines

  • 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*

  • Ambulance to and from the hospital
  • Hospital bills

  • 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)

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Health Spending Accounts
Health Spending Accounts