Understanding your Health Spending Account (HSA)

Health Spending Account (HSA) is a non-taxable benefit plan for health, drug, vision and dental

• HSA’s cover eligible health expenses for you and your dependents with an allowance set by your employer which pays out quarterly, monthly, semi-monthly, or annually.

• HSA’s compliment traditional group insurance, are effective for cost savings, and provide you with flexible coverage. Have we peaked your interest? Contact Us Focus

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Eligible dependents include:

HSAs cover a wider range of dependents than health and dental benefits. Plan members can claim expenses for their spouse, children, and extended family members, as long as they qualify as dependents under the Canadian Income Tax Act. Visit the CRA website at and search for Medical Expense Tax Credits in the search window for additional details.

What Does the HSA Cover?

Regulated by the Canada Revenue Agency (CRA), HSA’s only cover expenses that the CRA lists as eligible. We’ve broken these down into four categories: Dental, Drug, Health, and Vision.

Orthodontic Treatment (prescribed by a medical practitioner or dentist; cosmetic procedures are ineligible)
Preventative Services
• Cleaning, polishing, fluoride treatments
• Oral surgery
Diagnostic Senvices
• Dental examination
• X-rays
• Dentist / Denturist appointments
Restorative Services
Dentures, repair & replacement

Appointments with:

• Oculist

• Ophthalmologist

• Optician

• Optometrist (OD)

Laser eye surgery (by a medical practitioner or licensed hospital, either public or private

Prescribed corrective eyewear (eyeglasses, contact lens, artificial eye)

Cost of prescription (by a licensed pharmacist, not over the counter)

Prescription medicine, drugs, and devices (prescribed by a medical practitioner or dentist including):

•  Prescription birth control pills

• Tapes or tablets for diabetic sugar content tests 

 Vitamin B12 

 Medicinal marijuana 

 Liver extract

• Insulin or substitutes 


Appointment with licensed practitioners, including:

A- Acupuncturist (R.Ac.), Anaesthesiologist Athletic Therapist, Audiologist

C- Chiropodist, Chiropractor (DC), Clinical Counsellor (Provincially registered)

D- Dermatologist, Dietitian (registered)

G- Gynecologist (Ob. Gyn)

K- Kinesiology

M- Masseuse (Provincially registered)

N- Naturopaths, Neurologist

O- Obstetrician, Occupational Therapist, Osteopath

P- Pediatrician, Physician, Physiotherapist, Plastic Surgeon (medically required procedures with doctor certification), Podiatrist (DPM), Practical Nurse (LPN) and Registered Nurse (RN), Psychiatrist, Psychoanalyst, Psychologist (PsyD)

R- Registered Midwife

S- Social Workers (RSW, RCC, MFT), Speech Therapist (SLP), Surgeon

X- X Ray Technician

Wellness Spending Account (WSA)
Eligible Expenses

“A Wellness Spending Account (WSA) is a personalized program which allows employees to spend a predetermined, taxable, allowance on activities and products. This puts cost control in the employer’s hands while being flexible for employee spending.”

WSA amount coverage (Employer / Employee): 

Employer: “The WSA amount coverage is set by the employer at the beginning of the plan year. This allows employers to control employees’ wellness spending allowance.”

Employees: “You can flexibly spend the WSA allowance set by your employer at the beginning of the plan year on wellness-related activities and products.”

What Does the WSA Cover?

A Wellness Spending Account (WSA) allows you to spend a taxable allow- ance set by your employer on a variety of wellness-related activities and products tailored to your lifestyle. The included activities and products fall into 5 categories:

Essential Equipment & Footwear (excluding athleticwear and uniforms)

Membership Fees

(e.g. fitness clubs, gyms, putting green)

Physical Activity Fees

(e.g. lessons, drop-in fees, etc.)

Ergonomic Office Equipment 

Fitness Equipment

(e.g. treadmills, exercise bikes, universal

Registration Fees

(Including wellness events, sports leagues,

Personal Trainers (including fitness trackers) 


Cosmetic Dentistry

(including teeth whitening)

 Cosmetic Procedures (non-invasive, surgical, dermatology)

Hair Replacement

(including wigs) 


Prenatal Support

(including Doula services)

Cleaning Services

Pet Expenses

Veterinary fees
Pet insurance
Pet food 


Daycare Services
Elder Care 


Bodily Health

Vitamins and supplements (including over the counter)

Medic alert bracelets and/or neck chain

Massage or TENS units

Sun related skincare

Smoking cessation programs

Weight loss programs 


Mental Health and Wellness

Yoga and guided meditation classes

Holistic (alternative) medicine or practitioner


Spa services


Cleaning services



Development Courses

Language programs
CPR training

Cell Phone(s)

Professional Membership(s)

(associations, conferences, etc.)

Life Coaching 


Financial Advisor Fees

Parking and Transportation

(handicap/parking permits, city transit, etc.)

Legal Fees