What is a HSA:
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
a HSA?
Employers who want to provide their employees the versatility to spend their funds where they want.
Employers who want cost certainty with their employees benefit plan.
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
- 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
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
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
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
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
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