Health Spending
Account & Wellness

Health Spending
Account & Wellness

group health insurance PK1

Health Spending Accounts For Canadians

Health spending accounts allow for greater flexibility to your group benefits for small businesses. HSAs tend to be more attractive to potential and current employees, offering several advantages for both you and your team. Through the freedom of a health spending account, employees have the opportunity to take a more active and accountable role in their health. Health spending accounts in Canada are fully tax deductible for your business and employees receive the benefits tax-free. At Perlinger, we‘ve partnered with Canada’s best insurance providers to get you the best coverage in the country. We can develop solutions that fit your precise needs.

What We Offer

Health spending accounts may be offered separately or as a supplement to a group health benefits package. Health spending accounts offer a convenient solution to small business health insurance and employees appreciate the flexibility.

Wellness spending accounts incentivize staff members, promote healthy lifestyles, and improve employee vitality. As taxable spending accounts, they are also extremely flexible. Common wellness items include gym memberships, fitness equipment, travel expenses, music lessons and more.

Flexible spending accounts combine the benefits of wellness spending accounts and healthcare spending accounts, allowing employees to allocate all or a portion of the funds to one or the other, depending on their current needs. 

What You Need to Know About Health Spending Accounts

Health spending accounts in Canada are commonly used for deductible health and dental amounts, medical practitioners such as acupuncturists and physiotherapists, and any additional costs that are not covered by a basic health plan. At Perlinger, we thrive on communication with our customers. We are always available to address concerns and offer additional advice. If you’re wondering if a health spending account is right for your business, give us a call to talk to an expert. We take the time to educate your employees, helping them to comprehend and appreciate the investment you have made. During our in-person onboarding with your team, we’ll discuss the specific details and advantages of a health spending account and wellness plan within your group insurance plan. Our goal as your benefits consultant is to allow you to focus entirely on your business, leaving the group benefits to us.

The PGB Advantage

How We Save You Money

Rate Stability

We don’t just save you money initially, we also ensure future rate stability with no surprises at the time of renewal.

Credibility & Protection

We ensure cost protection from unforeseen circumstances and claims. Prices are based on your claim experience.

Lower Costs

We put your money where it matters. Low administration costs mean more dollars towards paying claims.

Buying Power

We enhance buying power through lower costs and higher rate stability for pooled benefits.

Plan Design

We customize benefit plans to meet your needs so you’re not stuck paying for unnecessary services.

Higher NEMs

Higher non-evidence maximums equal less paperwork, hassle, and time and money wasted.

Higher Maximums

Get the proper coverage you need for all employees with higher benefits maximums and faster claims returns.

Wellness Solutions

Improve employee productivity and satisfaction with plans that include comprehensive health and wellness services.

Annual Plans

We review your plan on an annual basis as a proactive approach to your needs and a way to save you money.

The PGB Advantage

How We Save You Money

Rate Stability

We don’t just save you money initially, we also ensure future rate stability with no surprises at the time of renewal.

Credibility & Protection

We ensure cost protection from unforeseen circumstances and claims. Prices are based on your claim experience.

Lower Costs

We put your money where it matters. Low administration costs mean more dollars towards paying claims.

Buying Power

We enhance buying power through lower costs and higher rate stability for pooled benefits.

Plan Design

We customize benefit plans to meet your needs so you’re not stuck paying for unnecessary services.

Higher NEMs

Higher non-evidence maximums equal less paperwork, hassle, and time and money wasted.

Higher Maximums

Get the proper coverage you need for all employees with higher benefits maximums and faster claims returns.

Wellness Solutions

Improve employee productivity and satisfaction with plans that include comprehensive health and wellness services.

Annual Plans

We review your plan on an annual basis as a proactive approach to your needs and a way to save you money.

HSA Allowable Expenses

PROFFESIONAL SERVICES

  • Acupuncturist (qualified medical practitioner)
  • Chiropodist
  • Chiropractor
  • Christian Science
  • Practitioner
  • Dental Mechanic
  • Dentist
  • Dermatologist
  • Gynecologist
  • Massage (Provincially Registered Therapist)
  • Naturopaths
  • Neurologist
  • Obstetrician
  • Optician
  • Optometrist
  • Orthopedist
  • Osteopath
  • 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

  • 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

HOSPITAL

  • Anesthetist
  • Hospital Bills
  • Outpatient Services
  • Oxygen Masks
  • Tent Vaccines
  • X-ray Technician

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 )
  • Insulin or Substitutes
  • Liver Extract – injectable for pernicious anemia
  • Oxygen Tapes or tablets for sugar content tests by diabetics, if the procedure has been required by a physician
  • Vitamin B12 – for pernicious anemia

PREMIUMS

  • Premium paid to a non-government medical or hospital care plan (Ex. Blue Cross, Manulife Flexcare, Sun Life Affinity)

WSA Allowable Expenses (Taxable)

FITNESS EXPENSES

  • Health club membership/fitness programs/gym memberships (Ex. Yoga, Pilates, Aerobics etc.)
  • Fitness equipment (Ex. Treadmill, Bowflex, exercise bike, etc.)
  • Personal Trainer
  • Sports registration fees/team fees/passes
  • Sports equipment (Ex. Hockey, baseball, bowling, etc.)
  • Sports lessons (Ex. Golf, skiing, etc.)
  • Equipment required to participate in a sporting event
  • Self-defense courses
  • Dance lessons

OTHER

  • Public transportation
  • Courses, seminars, membership fees
  • Pet Care/Insurance
  • Elder Care
  • Pre-natal classes
  • Smoking cessation programs
  • Weight management program fees
  • Camping (campground fees and equipment, supplies)
  • Horse Riding lessons
  • Music lessons
  • Cosmetic procedures
  • Travel expenses
  • Laptops/Computers

Testimonials

See what other companies have to say or leave us a review

Get Started With a Health Spending Account

Regardless of your industry, you and your employees can benefit from a health spending account. Through our ongoing research, auditing, surveying, and evaluating, we limit financial risk, secure competitive pricing, and ensure plan validity. In addition to direct billing and simplified claims resolution, we also offer health and wellness initiatives. Working with Canada’s best insurance carriers including, but not limited to, Equitable Life, Sun Life, Manulife, Desjardins, and The Cooperators, we negotiate on your behalf for the best possible rates and service.