Spending Accounts.
Flexible health and wellness dollars that let your employees spend on what actually matters to them. Set the budget; they pick the coverage.
Benefits on their terms.
A Health Care Spending Account gives each employee a set dollar amount per year to spend on eligible expenses. Medical, dental, wellness, and things a traditional plan won't cover. You set the budget; they spend it on what they actually need.
I design the account, set up the carrier, and run the reimbursement side so your staff isn't fielding questions about what's eligible and what isn't. Like the rest of what we do, this is included; we don't charge extra for the administration.
Three ways to structure it.
Health Spending
Tax-free dollars for CRA-eligible medical and dental expenses. Paired with a traditional plan or used standalone.
Wellness Spending
Taxable dollars for wellness expenses a traditional plan won't cover: gym memberships, fitness gear, therapy, childcare.
Flex Accounts
A hybrid. Employees choose each year how to split their dollars between HSA and WSA based on what they need.
You fund the account. We do everything else.
Account setup and design
We pick the carrier, set the allocation, the carry-forward rules, and the eligible-expense list that fit your plan. You tell me the budget; I'll handle the rest.
Employee onboarding
Plain communications that explain what the account is, what's eligible, and how to claim. I can write the drafts and run a session for your team if it helps.
Claim support
When a claim gets rejected or stuck, your staff calls us, not the carrier. We give quicker, more accurate replies and we know how to present things so they go through.
Annual review
Each year I review how the account is being used and walk you through whether the allocation still makes sense. If something needs adjusting, we adjust.
Companies who want to give their team real flexibility. Pair it with a traditional plan, or run it on its own for smaller teams where full insurance isn't the right fit yet.