Solve Your Specific Benefits Challenge
Solutions tailored to your needs.
Build a professional benefits package without the financial risk of traditional insurance. Whether you want to offer tax-free Health (HSA), lifestyle perks (WSA), or both (FlexWorks), you can launch a plan that you fully control.
Pay for Usage, Not Access
Unlike insurance where you pay monthly premiums regardless of usage, you only fund the claims your team actually makes.
100% Tax Efficient
Health reimbursements are a tax-deductible business expense for you and 100% tax-free for your employees.
Total Flexibility
You aren't locked into a single product. Start with a simple HSA today and add Wellness or convert to Flex as your team grows.
Your current group plan likely covers the basics but leaves gaps in day-to-day needs. Add a flexible layer of coverage to fund the things your primary insurance misses without the hassle of changing your carrier.
Bridge the Coverage Gaps
Fund the specific items your group plan limits, such as orthodontics, laser eye surgery, or mental health support.
Create Classes
Offer different coverage limits to different employee classes without renegotiating your entire base plan.
Seamless Claims Process
Once set up, Hiveworks is completely hands-off for you.
Tired of annual premium hikes? With Hiveworks, set a fixed annual budget per employee and never worry about premium increases again.
Budget Conscious
Your costs are capped at the budget you set. They never increase at renewal unless you decide to raise them.
Zero Wasted Spend
Unused funds stay with your business or roll over to the next year.
Higher Perceived Value
Employees prefer the freedom to spend a $2,000 budget on what they actually need over a restrictive plan they barely use.
One Platform. Three Ways to Cover Your Team.
Choose the account structure that fits your culture and budget.
Health Spending Account
The tax-free essential
Turn personal medical bills into 100% corporate tax deductions for you and tax-free reimbursements for you and your team. Covers dental, vision, drugs, and all other CRA-eligible expenses
Wellness Spending Account
The lifestyle perk
Support your team’s well-being beyond the doctor’s office. A taxable allowance for gym memberships, sports gear, and mental health. You control the eligible categories.
FlexWorks
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.
Predictable Costs in an Unpredictable World
See where the Hiveworks platform wins.
Group Benefits
Hiveworks
Cost Structure
Plan Surplus
Routine Care
Catastrophic Risk
Managing Benefits Shouldn't Be a Part-Time Job
We handle the compliance, adjudication, and reporting so you can focus on running your business.
Digital First
From set up to ongoing management of your plan, everything is done digitally. No more waiting around for others to make adjustments to your plan.
Automated Adjudication
No paperwork for you. We verify HSA claims against CRA rules and check WSA claims against your approved categories. Employees are reimbursed directly within 5 business days,
Real-Time Reporting & Insights
Track total spending instantly for budgeting and planning. Export transaction details for your accountant and analyze usage patterns to see if your current limits are sufficient.
Get Started in Minutes
Launch your new plan in 3 simple steps.
Switching from another provider? We ensure no gap in coverage.
Step 1: Create Account
Enter your personal details and basic company information to build your employer profile.
Step 2: Define Your Plan
Add employees, create Classes (i.e. Full-Time, Part-Time, Seasonal), and set annual limits (min $1,000). We automatically email your team an invitation to onboard themselves and complete their allocations if you choose our FlexWorks offering.
Step 3: Set Up Funding
Connect your business bank account via Pre-Authorized Debit (PAD). Claims are processed automatically-funding required.
Pricing
Simple, flat-fee & fully transparent
Annual: $299 + $199 / employee
Covers spouse and dependants
Unlimited claims up to $15,000 per employee
No monthly premiums
Base fee covers first user
Ontario Businesses: 8% RST and 2% Premium Tax apply on all health spending claims. Learn more.
Frequently Asked Questions
Is an HSA cheaper than insurance?
Typically, yes. With insurance, you pay premiums for "what if" scenarios. With Hiveworks, you only pay for claims actually made. If your budget is $2,000 but an employee only uses $500, your business keeps the $1,500 difference.
Are the benefits taxable for my employees?
HSA (Health): 100% Tax-Free for employees. Covers medical necessities like dental and vision.
WSA (Wellness): Taxable benefit. Covers lifestyle perks. We provide the reporting to make your taxable benefit reporting easy.
Can I offer different amounts to different employees?
Yes. You can create Classes (i.e. Full-Time, Part-Time, Seasonal) and assign different budget limits to each. You have total control over who gets what.
Can I control what they spend the Wellness money on?
Yes. While the HSA is governed by the specific practitioner and expense lists, the Wellness Account (WSA) is up to you. You can toggle specific categories on and off as you would like, i.e. enable "Fitness" but disable "Sports Equipment".
Does this replace my existing group insurance?
It can, but it doesn't have to. You can Replace your expensive plan entirely, or use Hiveworks to Top-Up your existing plan to cover gaps like orthodontics or mental health.
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