HOW TO USE YOUR HEALTH CARE SPENDING ACCOUNT (HCSA)

Your HCSA is a spending account funded by your employer that you can use to pay for health and dental expenses that are not covered by your group benefit plan or your provincial health plan.

Based on your group plan design, your employer deposits a set amount into your HCSA—then you use the funds for whatever eligible expenses are important to you. It’s all about individual choice— so you can enjoy all the flexibility and convenience your HCSA has to offer.

Eligible HCSA expenses include all expenses that qualify for medical expense tax credits under the Canadian Revenue Agency (CRA) Income Tax Guidelines, such as:

  • Payments to medical practitioners, hospitals, orthodontics, etc.
  • Artificial limbs, aids and other medical equipment
  • Eyeglasses and contact lenses
  • Rehabilitative therapy
  • Dentures

Here’s how to submit a HCSA claim…

HCSA claims can be submitted online directly to GSC via Plan Member Online Services. It’s quick and easy. Or, if you really want to, you can submit your claim by mail. Just follow these steps:

  1. 1 Call our Customer Service Centre at 1.888.711.1119 to receive a claim form or click here. If you would like a pre-filled personalized form, register for Plan Member Online Services.
  2. 2 Complete the form and sign in the appropriate spot. Remember to include your GSC ID number (found on your GSC ID card). If the claim is for a dependent, include the dependent’s number (also on your ID card).
  3. 3 Check that you have also included original receipts and remember to take a photocopy for your records.
  4. 4 Double-check that you have provided your full mailing address and send the form to the GSC address on the form within twelve months from the date you received the service.

For a list of eligible expenses click here. You may also wish to refer to the CRA website for list of medical expense tax credits as a guideline for eligible expenses under your HCSA.