Health & Wellness Coverage Simplified
Join the growing number of Canadian businesses choosing Hiveworks for their benefits
No Monthly Premiums
No Per Claim Fees
No Paperwork
Business with Employees
Incorporated Individual
Stop paying out-of-pocket for health and dental. Give yourself the same tax-efficient health and dental coverage larger companies enjoy.
Explore IndividualSmarter Benefits. Total Control.
Whether you're an incorporated individual or a growing team, get a plan that adapts to your budget and covers the everyday health costs that matter most.
$0 Monthly Premiums
Stop paying for coverage you don't use. Only fund the plan when you actually make a claim. No use-it-or-lose-it.
100% Tax Efficient
Turn medical and wellness costs into fully tax-deductible business expenses. You get the corporate deduction while providing a valuable benefit to yourself or your team.
Total Budget Control
You set the annual limit each year, ensuring your costs are capped and you never face an unexpected price hike at renewal.
Zero Admin Headaches
From claims to reimbursements, we handle setup, adjudication, funding, reimbursements and reporting so you don't have to.
See the Hiveworks Advantage
Many business owners pay for health costs with after-tax personal income. See how an HSA lets your corporation reimburse you for these costs, providing you with substantial savings.
Find Your Perfect Plan
Simple, scalable health and wellness plans for incorporated individuals and teams.
Health Spending Account
✓ Business with Employees
✓ Incorporated Individual
The tax-free essential.Turn personal medical bills into 100% corporate tax deductions. Covers dental, vision, prescription drugs, and all other CRA-eligible expenses.
Wellness Spending Account
✓ Business with Employees
The lifestyle perk. Support your team’s well-being beyond the doctor’s office. A taxable allowance for gym memberships, sports gear, nutrition, mental health and more.
FlexWorks
✓ Business with Employees
The total package. Combined HSA + WSA account. You set the total budget, and employees choose how to allocate their funds between the two based on their specific needs.
Premium Coverage Without the Premium
A Health Spending Account covers 50+ practitioner types and 100+ expense types.
Dental & Orthodontics
From routine cleanings and fillings to big-ticket items like braces and crowns. No "dental only" caps.
Vision
Everything you need to see clearly: eye exams, prescription glasses, contact lenses, and even laser eye surgery.
Therapy & Specialists
Includes massage therapy, chiropractic, physiotherapy, psychology/counselling and more.
Prescription Drugs
Comprehensive coverage for prescribed medications, including insulin, fertility treatments, and vaccines.
Pricing
Simple, flat-fee & fully transparent
Business with Employees
$299 / year for first employee + $199 per additional employee
Covers spouse and dependants
Unlimited claims up to $15,000
No monthly premiums
Incorporated Individual
$299 / year
Covers spouse and dependants
Unlimited claims up to $15,000
No monthly premiums
Frequently Asked Questions
Is a Health Spending Account CRA compliant?
Yes. A Health Spending Account (HSA) qualifies as a Private Health Services Plan (PHSP) when set up correctly. Your business acts as the plan sponsor and reimburses employees for eligible medical expenses. As long as the plan follows CRA PHSP criteria and only reimburses eligible costs, reimbursements are tax free and fully deductible to the business.
Is there a per-claim administration fee?
No. Hiveworks only charges a flat annual fee. We never charge percentage or per-claim administration fees.
Are spouses and dependants covered under the employee’s plan?
Yes. Each employee’s plan can include a spouse and eligible dependants. Their expenses count toward the employee’s annual limit.
Are braces and orthodontics covered?
Yes, orthodontic work like braces are eligible as long as it’s for medical reasons and performed by a licensed dental practitioner.
Can I claim expenses from before the plan start date?
No. Your Hiveworks HSA only covers expenses incurred on or after your plan's effective date, which is the day you sign up. Anything dated before that isn’t eligible for reimbursement under CRA guidelines.
If you had HSA coverage with another provider and are switching to Hiveworks, contact us. We’ll help ensure there’s no gap in your coverage.
.svg){kind=small}