All the answers to frequently asked questions about Canada Life HCSA accounts.
You can submit, track and view your HCSA claims anywhere on My Canada Life at Work™ website and app. With instant payment details most of the time, it’s the quickest and easiest way to submit claims.
- Sign in to My Canada Life at Work™Opens a new website in a new windowOpens a new website in a new window.
- Select Make a claim from the menu.
- Select Start a claim.
- Select who the claim is for.
- Under the Select a plan menu, select Healthcare Spending Account.
- Select Yes if you are sure that you want this expense to be paid from your spending account only. If you want to use both your base plan and spending account, select ‘Health, Drugs, Vision and Dental’ instead.
- Select Continue.
- Select the type of expense you are claiming.
- Answer the questions about the specific expense.
- Attach receipts and other supporting documents.
- Click Submit to make your claim.
If you’re using the My Canada Life At Work mobile app, it’s a similar journey:
- Sign into the app.
- Select Benefits from navigation bar.
- Select Make a claim from the menu..
- Select Start your claim.
- Select who the claim is for.
- Under the Select a plan menu, select Healthcare Spending Account.
- Select Yes if you are sure that you want this expense to be paid from your spending account only. If you want to use both your base plan and spending account, select ‘Health, Drugs, Vision and Dental’ instead.
- Select Continue.
- Select the type of expense you are claiming.
- Answer the questions about the specific expense.
- Attach receipts and any other supporting documents.
- Click Submit to make your claim.
Complete and submit the appropriate healthcare spending account claim form.
You can do it all in one step on My Canada Life at Work.
Just submit your claim as usual under your base plan. During the process, you’ll be asked if your plan only covers part of the expense. Select Yes if you’d like the remaining amount to be paid from your healthcare spending account.
No need for a second submission — it’s that simple.
An HCSA is healthcare spending account that you can use to cover medical costs that aren’t covered by your benefits.
This includes common expenses such as prescription drugs, prescription glasses, medical devices like wheelchairs and medical treatment like chiropractors and physiotherapists. Things like hearing aids, eyeglasses or topping up coverage for your child’s braces.
You can use an HCSA to cover costs that qualify for a medical expense tax credit under the Income Tax Act. In Quebec, you’ll pay provincial income tax on your HCSA benefit payments.
For example: Let’s say your prescription drug plan covers you for 80%, leaving you out of pocket 20%. Once your claim is paid for by your base plan, submit the remaining balance to your HCSA to achieve 100% coverage.
A $100 drug claim where $80 paid by your base plan and $20 paid by your HCSA means you’re $0 out of pocket.
Or, let’s say you need a pair of glasses that aren’t covered by your benefits plan or provincial coverage. You can use your HCSA to help cover this expense.
Your HCSA is a flexible way to claim health, dental and vision expenses your base plan either doesn’t cover all of, or doesn’t cover at all, such as:
- Massage
- Prescription drugs
- Prescription glasses and contact lenses
- Physiotherapy
- Chiropractic treatment
- Devices like wheelchairs and hearing aids
Even the portion of premiums you pay for a health plan can be paid for through an HCSA.
While drugs that help manage diabetes, including insulin, are often covered by benefits, plans can vary. You can check your coverage by signing into My Canada Life at Work.
My Canada Life at Work™
- Contact us for help with signing into My Canada Life at Work.