Typical Coverage

The cost of the following products and services that are medically necessary to treat an illness or injury are covered when permitted by law to the extent that funds are available in your health spending account.

Dental Care

Coverage: Professional fees charged by regulated medical practitioners such as dental surgeons, dental hygienists, dental technologists and denturists.

Exclusions (Not Covered): Teeth whitening

Drugs

Coverage: Pharmaceuticals that require a prescription of a medical practitioner and are recorded by a pharmacist.

Exclusions (Not Covered): Over-the-counter medications, vitamins, and supplements.

Vision Care

Coverage: Prescription contact lenses, prescription eyeglass lenses, frames for prescription eyeglass lenses, and professional fees charged by regulated medical practitioners such as optometrists and opticians.

Exclusions (Not Covered): Lens cleaning solutions, cloths and wipes

Regulated Medical Professionals

Coverage: Professional fees charged by health care professionals authorized to practice as medical practitioners within their province or territory.

  • Acupuncturist: Alberta, British Columbia, Newfoundland and Labrador, and Quebec.
  • Audiologist: Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Ontario, Quebec, and Saskatchewan.
  • Chiropodist: Manitoba, New Brunswick, and Ontario.
  • Chiropractor: Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island, Quebec, Saskatchewan, and Yukon.
  • Combined lab and x-ray technologist: Alberta.
  • Counselling therapist: Nova Scotia
  • Dental assistant: Alberta, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Prince Edward Island, and Saskatchewan.
  • Dental hygienist: all provinces and territories.
  • Dental nurse: Manitoba.
  • Dental technician or technologist: Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Quebec, and Saskatchewan.
  • Dental therapist: Newfoundland and Labrador, Northwest Territories, Nunavut, Saskatchewan, and Yukon.
  • Dentist: all provinces and territories.
  • Denturist, dental mechanic, denturologist: all provinces and territories.
  • Dietician: Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island, Quebec, and Saskatchewan.
  • Emergency medical technician: Alberta, British Columbia, Prince Edward Island, and Saskatchewan.
  • Hearing aid practitioner: Alberta, British Columbia, Manitoba, Newfoundland and Labrador, and Quebec.
  • Kinesiologist:Ontario.
  • Licensed or registered practical nurse: all provinces and territories.
  • Marriage and family therapist: Quebec.
  • Medical laboratory technologist: Alberta, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Quebec, and Saskatchewan.
  • Medical radiation technologist: Alberta, New Brunswick, Nova Scotia, Ontario, Quebec, and Saskatchewan.
  • Midwife: Alberta, British Columbia, Manitoba, New Brunswick, Nova Scotia, Northwest Territories, Nunavut, Ontario, Quebec, and Saskatchewan.
  • Naturopath: Alberta, British Columbia, Manitoba, Nova Scotia, Ontario, and Saskatchewan.
  • Occupational therapist: Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island, Quebec and Saskatchewan.
  • Ophthalmic medical assistant: Northwest Territories and Nunavut.
  • Optician: Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island, Quebec, and Saskatchewan.
  • Optometrist: all provinces and territories.
  • Pharmacist: all provinces and territories.
  • Physician: all provinces and territories.
  • Physiotherapist or physical therapist: Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island, Quebec, Saskatchewan, and Yukon.
  • Podiatrist: Alberta, British Columbia, Manitoba, New Brunswick, Ontario, Quebec, and Saskatchewan.
  • Professional technologist in orthoses/prostheses:Quebec.
  • Psychological associate:British Columbia, Manitoba,and Ontario.
  • Psychologist: Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Northwest Territories, Nunavut, Ontario, Prince Edward Island, Quebec, and Saskatchewan.
  • Registered massage therapist or massage therapist: Alberta(1), British Columbia, New Brunswick, Newfoundland and Labrador, and Ontario.
  • Registered nurse or nurse practitioner: all provinces and territories.
  • Registered nursing assistant: Manitoba, Northwest Territories, and Quebec.
  • Registered nutritionist: Alberta, New Brunswick, Nova Scotia, and Quebec.
  • Registered psychiatric nurse: Alberta, British Columbia, Manitoba, Saskatchewan, and Yukon.
  • Respiratory therapist: Alberta, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Quebec, and Saskatchewan.
  • Sexologist:Quebec.
  • Social worker: Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island, Quebec, and Saskatchewan.
  • Speech language pathologist: Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Ontario, Quebec, and Saskatchewan.
  • Surgeon: all provinces and territories.
  • Traditional Chinese medicine practitioner: British Columbia, and Ontario.

Notes:

  1. Alberta has been working toward regulation and since 2011 four associations have been providing some degree of self-regulation which will be considered for the purposes of approving massage therapy claims until the legislative process is complete.
    • London and Counties Society of Physiologists
    • Massage Therapist Association of Alberta (MTAA)
    • Remedial Massage Therapists Association (RMTA)
    • Natural Health Practitioners of Canada (NHPC) provided the therapist has met either 2,200 hours of formal education for the 2,200-hour competency equivalency requirement