Prepay: a funded Aya card
Your company loads funds in advance. Employees pay for eligible purchases with their Aya card and upload their receipts.
How Prepay worksWELLNESS BENEFITS FOR CANADIAN TEAMS
Wellness Spending
Accounts.
A Wellness Spending Account gives your team an allowance for the categories you choose, including fitness memberships, classes and equipment.
THE ACCOUNT, EXPLAINED
What is a Wellness Spending Account?
A Wellness Spending Account (WSA) is a taxable employer-funded benefit designed to support and encourage wellness and healthy living for expenses beyond and including what an HSA can provide.
See Aya’s wellness expense categories and examples.
Personal choice.
A defined allowance.
You set the wellness categories and employee benefit limits. Employees choose eligible expenses within that plan.
Compare WSA and HSAELIGIBLE WSA EXPENSES
What can a Wellness Spending Account cover?
Fitness, nutrition, family needs and more. You choose the wellness categories and employee benefit limits. Employees choose eligible expenses within that plan.
Explore examples from Aya’s expense list below. The categories included in each employer’s plan determine what employees can claim.
Fitness, sports and recreation
Fitness
Gym memberships, yoga and fitness classes, personal training, exercise equipment, fitness apps, athletic clothing and footwear.
Sports and recreation
Bicycles and accessories, camping gear and fees, hiking equipment, swimming and other sports lessons, national park passes, race or team registration, ski passes and sports equipment. The list also includes fishing and hunting equipment, excluding all firearms and firearm accessories.
Video games
Gaming consoles, controllers, games, accessories and virtual reality equipment.
Nutrition, mental wellness and personal development
Diet and nutrition
Services from registered dietitians, nutrition programs, meal preparation services and equipment, specialty foods for dietary needs, vitamins and supplements.
Mental health and wellness
Services from registered therapists, psychologists, psychotherapists and social workers, meditation and mindfulness products or programs, and wellness retreats. Music and arts lessons, classes and products are also listed; tickets to events or shows are excluded.
Personal development
Continuing education courses, financial education services, and health or life coaching.
Family, pets and home
Family health and wellness
Childcare services, children’s clothing and footwear, child car seats, infant care products, maternal care products and services, doula services and services from registered midwives.
Pet products and services
Pet care products, pet insurance premiums and veterinary services, treatments and medications.
Home services and products
Ergonomic devices, home office equipment, air quality products, bedding, home cleaning services and products, mobile phone and internet plans, and water filtration.
Commuting, travel and charitable giving
Commuting
Parking fees, transit passes, taxi fares and rideshare fees.
Vacationing
Leisure travel and accommodation, including flights, train tickets, car rentals and hotels.
Charitable giving
Donations to registered charities.
Health services and personal care
Medical services
Services from registered physicians, dermatologists and audiologists, registered or licensed nursing services, and virtual care provided by registered medical professionals.
Paramedical services
Services from registered chiropractors, kinesiologists, physiotherapists, occupational therapists and naturopathic doctors, plus massage therapy.
Alternative and complementary therapies
Services from registered acupuncturists, homeopaths, Reiki therapists and traditional Chinese medical practitioners, plus cryotherapy and sleep therapy.
Dental
Dental, denture and orthodontic services provided by registered practitioners, including cleanings, fillings, dentures and braces.
Vision
Services from registered optometrists and opticians, prescription glasses and contact lenses, and laser eye surgery.
Pharmacy, health and beauty
Prescription drugs prescribed by a medical doctor, over-the-counter medications and products, personal hygiene products, skin care, nail care and spa services.
Accessibility, treatment and insurance premiums
Assistive devices, supplies and equipment
Hearing aids, artificial eyes or limbs, and mobility devices designed to help with mobility impairments, including repairs. Specially trained assistance animals for people with impairments are also listed.
Patient care and facilities
Public or licensed private hospital expenses and ambulance transportation to or from those hospitals. Support care must be provided in Canada, with written certification from a medical doctor that care is required.
Special treatments and therapies
Medical laboratory procedures and tests, prenatal and postnatal treatment provided by a registered medical professional, and rehabilitative therapy to help a patient regain or maintain the ability to function independently.
Insurance premiums
Premiums for private health services plans that cover eligible medical expenses. The list also includes non-medical insurance premiums, such as travel, life and disability insurance.
Choose the categories that fit your team, then share your plan needs with Aya.
Get your WSA plan and pricingAlready with Aya? For a question about an expense in your plan, email support@ayacare.com.
PUT YOUR PLAN TO WORK
Choose how your team pays.
HSA and WSA describe what the plan covers. Prepay and PostPay describe how it is funded and used.
PostPay: digital reimbursement
Employees pay for eligible expenses and submit a claim. Reimbursement follows approval and employer funding.
How PostPay worksPut this plan to work for your team.
Confirm the right account, funding and pricing with Aya.
PLAN CHOICES AND SETUP
Your WSA questions, answered.
My employer set me up with an HSA+WSA, how does it work?
Great news! You have all-in-one coverage. You’ll receive a balance for each bucket to use within the specified frameworks. If your employer set up a Flex account for you, you’ll receive a lump sum and can decide how much to allocate to your HSA or WSA bucket at the start of the year!
How long does client onboarding take?
Once we receive the completed application, onboarding is completed within 24 hours.
What happens to unused funds?
Aya offers use-it-or-lose-it and carryover options. With a use-it-or-lose-it plan, unused contributions and associated taxes are returned to the employer after the claim-submission grace period. Administration fees are non-refundable.
YOUR PLAN STARTS HERE
Make wellness part of your plan.
Choose the wellness categories, employee allowance and funding approach that fit your company.