What is a
health spending account

A 100% tax-free benefit for both corporations and employees.
It is like having a bank that employees can use for all of their medical,
dental, and vision expenses.

Who should have
an HSA?

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Employers who want to provide their employees the versatility to spend their funds where they want.

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Employers who want cost certainty with their employees benefit plan.

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Employers who are tired of paying for benefits whether their employees use them or not.

HSA, what’s covered?

Professional Services

  • Acupuncturist (qualified medical practitioner)
  • Chiropodist
  • Chiropractor
  • Christian Science Practitioner
  • Dental Mechanic Dentist
  • Dermatologist
  • Gynecologist
  • Massage (Provincially Registered Therapist)
  • Naturopaths
  • Neurologist
  • Optometrist
  • Osteopath

Hospital
Coverage

  • Anesthetist Hospital Bills
  • Outpatient Services
  • Pediatrician
  • Physician
  • Physiotherapist
  • Plastic Surgeon
  • Podiatrist
  • Practical Nurse (medical services only)
  • Psychiatrist
  • Psychoanalyst
  • Psychologist Registered
  • Midwife Registered
  • Nurse
  • Speech Therapist (pathological or audiological impediments only)
  • Surgeon

Dental
Services

  • Cleaning, polishing,
  • oral hygiene instruction
  • Dental Checkups
  • Dental X-rays Dentures
  • Restorative Procedures such as Crown, Implants (no purely cosmetic procedures)
  • Orthodontics (including braces, no purely cosmetic procedures)
  • Extracting Teeth
  • Filling Teeth including root canal
  • Fluoride treatments
  • Gum Treatment

Professional Services

  • Acupuncturist (qualified medical practitioner)
  • Chiropodist
  • Chiropractor
  • Christian Science Practitioner
  • Dental Mechanic Dentist
  • Dermatologist
  • Gynecologist
  • Massage (Provincially Registered Therapist)
  • Naturopaths
  • Neurologist
  • Optometrist
  • Osteopath

Hospital
Coverage

  • Anesthetist Hospital Bills
  • Outpatient Services
  • Pediatrician
  • Physician
  • Physiotherapist
  • Plastic Surgeon
  • Podiatrist
  • Practical Nurse (medical services only)
  • Psychiatrist
  • Psychoanalyst
  • Psychologist Registered
  • Midwife Registered
  • Nurse
  • Speech Therapist (pathological or audiological impediments only)
  • Surgeon

Dental
Services

  • Cleaning, polishing,
  • oral hygiene instruction
  • Dental Checkups
  • Dental X-rays Dentures
  • Restorative Procedures such as Crown, Implants (no purely cosmetic procedures)
  • Orthodontics (including braces, no purely cosmetic procedures)
  • Extracting Teeth
  • Filling Teeth including root canal
  • Fluoride treatments
  • Gum Treatment

Premiums

Premium paid to a non-government medical or hospital care plan (Ex. Blue Cross, Manulife Flexcare, Sun Life Affinity)

Vision

  • Artificial Eye
  • Eye glasses or Contact
  • Lens (prescribed)
  • Laser Eye surgery
  • Optician / Optometrist

Medicines

  • Any medicine or drug purchased (prescribed by a medical practitioner or dentist and recorded by a licensed pharmacist)
  • Vitamin B12 - for pernicious anemia
  • Oxygen Masks / Tent
  • Vaccines
  • X-ray Technician
  • Laser Eye surgery
  • Optician / Optometrist
  • Oxygen Tapes or tablets for sugar content tests by diabetics, if the procedure has been required by a physician

Vision

  • Artificial Eye
  • Eye glasses or Contact
  • Lens (prescribed)
  • Laser Eye surgery
  • Optician / Optometrist

Medicines

  • Any medicine or drug purchased (prescribed by a medical practitioner or dentist and recorded by a licensed pharmacist)
  • Vitamin B12 - for pernicious anemia
  • Oxygen Masks / Tent
  • Vaccines
  • X-ray Technician
  • Laser Eye surgery
  • Optician / Optometrist
  • Oxygen Tapes or tablets for sugar content tests by diabetics, if the procedure has been required by a physician

Premiums

Premium paid to a non-government medical or hospital care plan (Ex. Blue Cross, Manulife Flexcare, Sun Life Affinity)

HSAs are single largest incentive for an employee to stay with an employer

78%

of employees consider having an HSA is what makes their benefits plan excellent

19%

increase in employee satisfaction with their benefits by adding an HSA

$ 0
2021 Total HSA's Value in Canada

WSA, what is it and
what’s covered?

A wellness spending account (WSA) is a taxable account that you and your dependents can use for anything your employer decides for your wellness.

Alternative and Complementary Therapies

  • Acupuncture
  • Ayurvedics
  • Cryotherapy
  • Holistic Healing
  • Homeopathy Reiki Therapy
  • Respiratory Therapy
  • Sensory Deprivation
  • Sexology
  • Sleep Therapy
  • Speech-Language Therapy
  • Traditional Chinese Medicine
  • Assistive Devices, Supplies, & Equipment

    • Acoustic Coupler
    • Artificial Eye or Limb
    • Artificial Kidney Machine
    • Assistance Animal
    • Assisted Breathing Device
    • Assisted Communication Devices
    • Audible Signal Device
    • Bathtub, Shower, Toilet Assistance Device
    • Blood Coagulation Monitor
    • Bone Conduction Receiver
    • Bone Marrow Transplant
    • Brace For A Limb
    • Braille Note-Taker Device
    • Braille Printer
    • Breast Prosthesis
    • Custom Made Wig
    • Electronic Bone Healing Device
    • Electronic Or Computerized Environmental Control System
    • Extremity Pump Or Elastic
    • Support Hose
    • Hearing Aid
    • Hospital Bed
    • Incontinence Products

    Devices

    • Inductive Coupling Osteogenesis Stimulator
    • Infusion Pump
    • Large Print-On Screen Mobility Devices
    • Needles & Syringes
    • Optical Scanner
    • Oxygen Tent
    • Pacemaker
    • Page-Turner Device
    • Phototherapy Equipment
    • Pressure Pulse Therapy Device
    • Rocking Bed
    • Special Television Signals Decoder
    • Spinal Brace/ Support
    • Sudden Infant Death Syndrome Prevention Device
    • Truss For A Hernia
    • Visual Or Vibratory Signaling Device
    Curious what else is covered?
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