Health Spending Accounts in Nova Scotia: Over 100 Eligible Expenses

If you operate an incorporated business in Nova Scotia, a Health Spending Account (HSA) allows your corporation to reimburse personal health and dental costs.

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With Hiveworks, you stay compliant with CRA rules while keeping more of your earnings.

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What is a Health Spending Account?

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With a Health Spending Account, your corporation can cover medical and dental expenses without creating taxable income.

You pay out-of-pocket, send in the receipt, and once approved, your company reimburses you.

The reimbursement is tax-free for you and deductible for your business.

No premiums, no rigid insurance plan, just a straightforward way to save.

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Need a full breakdown? Visit our What Is a Health Spending Account page.

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Why Nova Scotia Business Owners Choose HSAs

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Even with strong public health care, out-of-pocket costs like dental, vision, or therapy add up quickly when you are paying with after-tax dollars.

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A Health Spending Account lets your corporation cover those expenses so you keep more of your income.

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Example:
Earning $120,000 with $4,000 in medical costs? You could save over $2,700 compared to paying personally.

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Use our HSA Savings Calculator to estimate your savings based on Nova Scotia tax rates.

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What’s Covered Under an HSA?

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Your Health Spending Account in Nova Scotia can be applied to services from a broad range of licensed professionals. If the practitioner is licensed in Nova Scotia and the service qualifies under the CRA’s Medical Expense Tax Credit (METC), it’s eligible.

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The full list of eligible practitioners in Nova Scotia:

• Audiologist
• Chiropractor
• Counselling therapist
• Dental assistant
• Dental hygienist
• Dental technician or technologist
• Dentist
• Denturist, dental mechanic, denturologist
• Dietician
• Licensed or registered practical nurse
• Medical laboratory technologist
• Medical radiation technologist
• Midwife
• Naturopath
• Occupational therapist
• Optician
• Optometrist
• Pharmacist
• Physician
• Physiotherapist or physical therapist
• Psychologist
• Registered nurse (including nurse practitioner)
• Registered nutritionist
• Respiratory therapist
• Social worker
• Speech-language pathologist
• Surgeon

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This list ensures that everything from routine dental visits to counselling therapy and specialized medical services can be reimbursed through your HSA in Nova Scotia.

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In addition, over 100 medical expenses are also covered.

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Examples of eligible medical expenses include:

• Braces and Invisalign
• Eye care (exams, prescription glasses, contact lenses, laser eye surgery)
• Prescription medications
• Orthotics and orthopedic footwear
• Group benefit premiums not reimbursed elsewhere

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See the full list in our Eligible Expenses Guide.

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Nova Scotia HSA Claim Example

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Let’s walk through a simple example:

• You pay $200 out of pocket for a session with a dietician
• Upload your receipt through the Hiveworks dashboard
• We review the claim for CRA eligibility
• Your corporation is invoiced $200
• You receive the full $200 back via direct deposit

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There are no provincial insurance taxes on HSA claims in Nova Scotia.

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Built for Nova Scotia's Incorporated Professionals

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Hiveworks supports professionals across Nova Scotia, from Halifax to Sydney to Truro, with a smarter way to handle health expenses.

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Our platform helps you:

• Set your annual reimbursement cap (up to $15,000)
• Add your spouse and dependants at no extra cost
• Submit multiple claims anytime
• Track reimbursements online
• Access clean reports at tax time

No paperwork. No claim-by-claim admin fees. Just one flat rate.

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Am I Eligible?

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Eligibility is straight-forward. Take a moment to review the eligibility details.

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Already Have Benefits? Your HSA Still Helps

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Many employer or spousal plans don’t cover 100% of your costs. An HSA helps with what’s left over.

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You can claim:

• The uncovered portion of medical or dental expenses
• Vision costs beyond your plan’s annual max
• Services excluded by your plan (e.g. orthodontics, acupuncture, or LASIK)

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Learn more about Combining HSAs with Group Benefits or Spousal Plan Coordination.

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Flat Annual Fee. No Surprises.

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Hiveworks charges one simple fee: $279 per year.

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That includes:

• Up to $15,000 in claims
• Unlimited submissions
• Spouse and dependants expenses
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No monthly fees or hidden charges.

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Get Started Today

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Only expenses dated after your plan begins are eligible.

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Turn health and dental expenses into tax-free benefits with Hiveworks.

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Open an HSA in Minutes or Contact Us if you have questions.