Because contributions to your Health Spending Account (HSA) are tax-free, reimbursement of paid eligible medical and dental expenses are guided by Canada Revenue Agency's (CRA) Medical Expense Tax Credit.
Below is a list of typical eligible expenses. Note that this list is subject to change but you can search current eligibility via CRA's website.
Medical practitioners are regulated by province. To see if your service provider is eligible, check on the CRA's website! You can also read more about eligible providers here and ineligible providers here.
If you don't find your expense listed, just reach out to us and we'll check it out! We have a list of odds and ends that are not typical expenses that are on our radar and we'll do the research needed if something is new, so you don't have to!
WHAT'S NOT ELIGIBLE?
Generally speaking, the following list of expenses are not eligible for reimbursement through your HSA.
Athletic or fitness club fees
Birth control devices (non-prescription)
Blood pressure monitors
Expenses for purely cosmetic procedures (Non-eligible cosmetic procedures include: liposuction, hair replacement procedures and botulinum injections; may qualify if necessary for medical or reconstructive purposes)
Diaper services
Health plan premiums paid by an employer and not included in your income
Organic food
Over-the-counter medications, vitamins, and supplements, even if prescribed by a medical practitioner
Most provincial and territorial health plans
Travel expenses under 40 kms
Activity trackers such as Fitbit/Apple watch/Garmin etc