What is a Health Spending Account (HSA)?

This is a savings account for your health. Your business deposits pre-tax dollars into your account to be spent on the healthcare services of your choice.

How do I access my HSA?

You will be issued an Eclipse Visa Card to pay for your HSA expenses.

Why can’t I just put money into a savings account on my own?

The Canada Revenue Agency only recognizes the tax deductible status of Health Spending Accounts when they are established and managed by a Third Party Administrator.

Who is Covered on my HSA?

ALL your financial dependents, which can include spouse, children, parents, siblings, etc.

Where can I use my HSA?

Your HSA is not restricted by cost or healthcare provider type and offers a much broader range of services than any health insurance plan. Because of the tax-deductible nature of this account, eligible services are determined by the government, and vary province by province.

Why is Eclipse so inexpensive, compared to other plans?

We replaced the high cost coverages – like dental and vision – with a Health Spending Account (HSA). Instead of paying high premiums, we are contributing your dollars toward your health spending.

Are there any fees associated with setting up an HSA?

There is a 10% administration fee on all HSA contributions.  There are no annual fees or transaction fees.

Who is the Administrator of the Eclipse HSA?

Esorse is the Administrator of the Eclipse HSA. They are Canada’s fastest-growing Third Party Administrator of Health Spending Accounts and have over 200,000 clients. They have taken ‘ease of use’ to a new level with our pay direct Visa Card and our advanced claims processing.

Eligible Expenses

Your business makes tax deductible deposits to your personal Health Spending Account (HSA), and you can then use this tax free money to pay for the healthcare expenses of your choice, including the following:

Extended Health CareDental & VisionSpecial Care
AudiologistDentistryFertility Drugs & Treatment
NaturopathDental HygienistNursing
ChiropodistDental SurgeonsSpecial Needs Tuition
ChiropracticDental TechnologistsAssistive Devices
Occupational TherapistDenturistDiabetic Pumps
Pharmacist ConsultsOrthodonticElderly Parent & Dependent Care
Physicians & SurgeonsPrescription Contact LensesSchooling for Spectrum Line Disorders
Licensed DieticianOpticianSpeech-Language Pathologists
PhysiotherapistOptometristCosmetic Surgery*
Medical Radiation TreatmentsPrescription Glasses 
Prescription DrugsPrescription Sunglasses 
Medical Laboratory  
Respiratory Therapist  
Massage Therapist  

Please Note: This list is in accordance with the rules governing the Medical Tax Benefit and is subject to change
*For medical or reconstructive purposes only