What is Covered?

One of the biggest benefits of this Health Spending Account is the freedom it provides through the extensive range of eligible expenses (below). These types of expenses along with a thorough list of qualified medical practitioners, procedures, and medical devices helps make the Health Spending Account an attractive choice for small business owners.

You’re able to claim 100% of your child’s dental braces; or physiotherapy as an example. How about speech therapy? Does your spouse need a new pair of glasses, prescription sun glasses or perhaps laser eye surgery? What about an MRI? Prescription drugs, massage therapy, and hearing aids are all eligible expenses too with a Health Spending Account.

The best part is you can even claim your spouse’s premiums if they are a member of a traditional insurance plan.  You read that right. Premiums contributed to a non-government insurance plan are an eligible expenses with a Health Spending Account.  How amazing is that?! 

Do you have unpaid portions that are not covered from your spouse’s plan? Not a problem either as the remaining amount of an expense is eligible with a Health Spending Account.  

The Health Spending Account offers 100% reimbursement for a wide variety of eligible expenses including but not limited to:
Qualified Practitioners:

✓ Acupuncturist
✓ Anaesthesiologist
✓ Audiologist
✓ Chiropodist
✓ Chiropractor
✓ Dentist
✓ Denturist
✓ Dermatologist
✓ Gynaecologist
✓ Naturopathic Doctor
✓ Neurologist
✓ Obstetrician
✓ Oculist
✓ Ophthalmologist
✓ Optician
✓ Optometrist
✓ Orthodontist
✓ Orthopaedist
✓ Osteopath
✓ Paediatrician
✓ Physician (MD)
✓ Physiotherapist
✓ Podiatrist
✓ Practical Nurse
✓ Psychiatrist
✓ Psychologist
✓ Registered Nurse
✓ Social Worker
✓ Speech Therapist
✓ Surgeon
✓ Massage Therapist
✓ X-Ray Technician







Eligible Expenses:

✓ Ambulance charges
✓ Art therapy
✓ Artificial eye or limb
✓ Artificial kidney machine, including installation
and operating costs
✓ Basic cost of Medic Alert jewellery
✓ Blood pressure devices
✓ Blood test
✓ Blood transfusion
✓ Bone marrow transplant
✓ Brace (limb or spinal)
✓ Cardiographs
✓ CAT Scan
✓ Catheters, catheter trays, tubing, adult diapers and disposable briefs required by incontinent persons
✓ Christian science counselling
✓ Colostomy pads
✓ Crutches
✓ Dental services (crowns, fillings, cleanings, lab tests, etc).
✓ Denture repair / replacement
✓ Devices to aid the hearing of a deaf person including bone-conduction telephone receivers,
extra-loud audible signals and devices to permit volume adjustment of telephone equipment above normal’ levels
✓ Diabetic supplies
✓ Diathermy
✓ Fertility treatments
✓ Hearing Aid batteries
✓ Hernia truss
✓ Home-maker service & Home care (attendant must be a non-relative – only eligible when other household members are physically
incapable of home care)

Eligible Expenses:

✓ Injections
✓ Insulin or substitutes
✓ Iron lung
✓ Laryngeal speaking aid
✓ Lasik eye surgery
✓ Liver Extract – inject-able for pernicious anaemia
✓ Massage Therapy
✓ Metabolic tests
✓ MRI scan
✓ Nicotine patch
✓ Operating room fees
✓ Organ transplant
✓ Oxygen
✓ Pre-natal/Post-natal treatments
✓ Prescription birth control pills & devices
✓ Prescription drugs
✓ Prescription glasses / contact lenses
✓ Private/Semi-private hospital room fees
✓ Reasonable costs for adapting a residence to accommodate a disabled person (ex: wheelchair ramp, lifts, bath facilities, etc)
✓ Reconstructive surgery
✓ Rocking bed for polio patient
✓ Spinal fluid tests
✓ Stool examinations
✓ Urine analysis
✓ Vaccines
✓ Vision Care
✓ Vitamin B12 – for pernicious anaemia
✓ Weight loss programs (medical portion only, for example nutrition counselling, lab fees for blood work)
✓ Wheelchair
✓ X-Ray

Use Common Medical Expenses on Canada Revenue Agency (CRA) website as a reference point.

CRA’s list of authorized medical practitioners per province for the purposes of the medical expense tax credit.