David Imrie

Comparing insurance plans can sometimes feel like comparing apples and oranges. With so many different options, it’s hard to narrow down the choices.


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If you’re looking for an out-of-the-box insurance plan that covers everything your employees could possibly need, look no further. Your answers lie in a health spending account (HSA). Double your company’s coverage and discover expenses you didn’t even think could qualify—that’s the beauty of an HSA.

1. Medical Marijuana

The Canadian medical marijuana sector is a $316 million industry. While once a very controversial topic, medical marijuana is growing in popularity and tolerance. Because of the many benefits of marijuana, cannabis is now an accepted treatment option covered by an HSA.

If your employees want and need medical marijuana, it may not be covered under all health plans—not all coverage is created equal. But it is covered by an HSA.

2. Contraceptives

Contraceptives are essential for any female who isn’t at a time in their life when they can afford to have a child. While many traditional insurance plans have an archaic view on contraception and don’t cover it, an HSA does. From IUDs to birth control pills, there are multiple types of covered contraceptives to satisfy your employees’ contraceptive needs.

3. Electric Chairs

As people age, stairs become increasingly more difficult to manoeuver. With 20 to 30 percent of seniors falling each year, electric chairs are an important item that should be featured in every senior’s home. Thankfully, they’re covered by an HSA.

4. Dental Implants

Whether you’ve experienced trauma or are filling a gap from a lost tooth, a dental implant is a permanent solution that places an artificial tooth in the jawbone, keeping your new pearly whites in place. Without coverage for dental implants, you could go without implants, which could lead to even more dental work and pain. Skip the hassle and make sure you and your employees are covered for dental implants.

5. Braces

Braces cost thousands of dollars. Being covered by a health spending account, this is money you can keep in your pocket to put towards other expenses you and your family might need.

6. Cosmetic Surgery

Cosmetic surgery is covered by prescription only. If the cosmetic surgery is due to a medical reason and receives approval from a doctor, it’s covered!

7. Laser Eye Surgery

LASIK eye surgery has become increasingly popular over the years. This can be a significant investment. As such, it’s important to have coverage for this expense. Depending on your current plan, it may not be covered but it could be with a health spending account.

8. Air Conditioners

You read that right. An HSA will cover 50 percent of an air conditioner required for medical-related reasons.

9. Acne Medication

Most healthcare insurance providers only cover very specific brands of acne medication or offer no coverage at all. With an HSA, as long as your doctor has prescribed the medication, acne creams or gels are completely covered.

10. Orthotics

Every person’s feet are different. As such, some people require more support than others. In many cases, orthotics may be necessary. You don’t need to worry about the cost if you switch to an HAS—that’s right, it’s covered!

11. Lap Band Surgery

To be covered, lap band surgery has to be deemed medically necessary, and thus prescribed by a doctor. If prescribed, this expense is covered by an HSA.

12. Hearing Aids

Hearing shouldn’t be an experience that only a few get to enjoy—everyone should be able to afford the proper equipment to help. Hearing aids are one of the many expenses covered by a health spending account.

The Complete List of CRA Allowable Medical Expenses

David Imrie

Dr. David Imrie founded RHSA Canada in 2009. Dr. Imrie is a medical doctor and former health insurance professional who has a passion for helping small businesses reduce their healthcare costs. As an executive in the insurance industry, he was shocked to find that so many common healthcare services are covered only partially by most insured plans, when employees were entitled to 100% coverage for all prescription drugs, dental services, and other healthcare expenses. Since leaving the insurance industry in 2001, Dr. Imrie committed to using newer technology to develop a better alternative program for small business health benefits.
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