FIND US ON GOOGLE MAPS HERE
We provide the highest level of customer service possible with a low administration fee of 5% click here for details ABOUT US  
PHSP Health Spending Account  
Privatehealthinsurance Your Private Health Services Plan
Serving all of Canada
 
   
  WHAT IS COVERED BY THE PRIVATE HEALTH SERVICES PLAN
   
 
Below is a comprehensive (though not complete) list of all health and dental related expenses that can be paid for through your company, with the Private Health Services Plan (PHSP).

If you have any questions or concerns please feel free to call us at: 403-282-3776 or Toll Free: 1-800-651-3776

In general, any service by a qualified medical practitioner is an eligible expenditure.

To be a qualified medical practitioner, the person must be authorized to practice in accordance with the laws of the province/state in which he/she resides, and certified according to that practitioner’s governing body.

 
 
  Click here to visit Canada Revenue Agency site for a complete list of eligible medical expenses  
  Premiums for Health Care  
  Professional Services  
  Dental Services  
  Laboratory Examinations and tests  
  Hospital Services  
  Prescribed Medical Treatments  
  Medicines  
  Materials and Apparatus Which are Prescribed By a Recognized Medical Practitioner  
  Other Expenditures  
  Other Materials and Apparatus Which Don’t Require a Prescription  
  What’s not covered  
             
             
       
 
   
 
           
  Premiums for Health Care Plans
Premiums paid to any non-government medical or hospital care plan. e.g. Blue Cross, London Life, etc.
 
 
Professional Services
Any medical service performed by a qualified medical practitioner* including, but not limited to the following:
       
Acupuncturist
(qualified)

Chiropodist

Chiropractor

Christian Science
Practitioner

Dental Hygienist

Dental Mechanic

Dentist

Dermatologist

Dietician

Gynecologist

Massage Therapist

Naturopath

Neurologist

Obstetrician

Occupational Therapist

Ophthalmologist

Optician

Optometrist

Orthodontist  
Osteopath

Orthopedist

Pediatrician

Pharmacist

Physician

Physiotherapist

Podiatrist

Practical Nurse
(for medical service)

Psychiatrist

Psychoanalyst

Psychologist (if licensed)

Registered Nurse

Speech-language pathologist
or speech-language
audiologist (treatment for
pathological or audiological
impediments)

Surgeon

Therapeutist or
Therapist

 
*Note: A qualified medical practitioner means a person who is authorized to practice in accordance to the laws of the province in which he/she resides, and certified according to that practitioner’s governing body.
Dental Services
 
Dental X-Rays

Dental Repair and
Replacement including implants

Examinations

Extracting Teeth

Filling Teeth

Gum Treatment

Oral Surgery

Straightening Teeth

Laboratory Examinations and Tests
 
Blood Tests

Cardiographs

Metabolism Tests

Spinal Fluid Tests

Stool Examination

Urine Analyses

X-Ray Examination
Hospital Services
       
Anesthetist

Hospital Bills

Oxygen Masks, Tent

Use of Operating Room

Vaccines  X-Ray Technician
Prescribed Medical Treatments
         
Blood Transfusion

Bone Marrow or Organ Transplant

Diathermy

Electric Shock Treatments

Healing Services

Hydrotherapy 

Injections

Insulin Treatments

Nursing (by Registered Nurse)

Pre-Natal, Post Natal Treatments

Psychotherapy

Radium Therapy

Speech Pathology or  Audiology 

Ultra-violet Ray Treatments

Whirlpool Baths

X-Ray Treatments

Medicines  
 
Any non-prescription medicines (over the counter) prescribed by a qualified medical practitioner and recorded by a licensed pharmacist
       

All Prescription Drugs

Insulin or Substitutes

 

Liver Extract - injectable for pernicious anemia

Oxygen

Tapes or Tablets-for sugar content tests by diabetics, if prescribed

Vitamin B12 - for pernicious anemia

 
Materials and Apparatus (including repairs and replacement batteries) Which are Prescribed By A Recognized Medical Practitioner
 
Any medical apparatus or material presribed by a doctor, dentist, nurse or hospital including but not limited to the following:
 
An external breast prosthesis

Any device designed to assist walking where the
individual has a mobility impairment

Contact lenses

Devices designed to assist a person to use
bathtubs, showers, or toilets

Devices designed to enable individuals with a
mobility impairment to operate a vehicle

Devices used by individuals suffering from a
chronic respiratory aliment or a severe chronic
immune system disregulation (air cleaner, filter, purifier)

Electronic or computerized environmental control
systems for individuals with severe and prolonged
mobility restrictions

Electronic speech synthesizers for mute individuals

Equipment that enable deaf or mute persons to
make and receive telephone calls including visual
ringing indicators, acoustic coupler, teletyping,
which makes telephone communication possible
with other persons

Extremity pumps or elastic support hose to reduce
lymph edema swelling

Eye glasses

Heart monitors or pacemakers

  Hospital bed, including any attachments

Inductive coupling osteogenesis stimulator

Infusion pumps for diabetics, including peripherals and devices to measure blood sugar levels

Monitors attached to babies identified as being
prone to sudden infant death syndrome

Needles and syringes for giving an injection

Optical scanners or similar devices for a blind
individual to enable him/her to read print

Orthopedic shoes or boots

Oxygen tent

Power operated guided chair installation for
stairways

Power operated guided lifts and transportation
equipment designed to allow access to buildings,
vehicles, or to allow wheelchair access to a vehicle

Synthetic speech systems, Braille printers, and large
print-on-screen devices that enable blind persons to
utilize computers

Television closed captioning decoders

Wigs if required as a result of disease, accident, or
medical treatment

Other Expenditures  
 
Ambulance charges

Canadian Red Cross Home Maker Service

Laser eye surgery

Prescription birth control pills

Rehabilitative therapy, lip reading and sign
language training

  Specially trained animals to assist blind, deaf, or
severely impaired persons, including the cost of its
care and maintenance

Transportation costs to hospital, clinic or doctor’s office to obtain services not otherwise available locally. Conditions apply, call for details.

Victorian Order of Nurses - Home Care

Other Materials and Apparatus Which Don’t Require a Prescription  
 
Any device to aid the hearing of a deaf person
including bone conduction telephone receivers,
extra loud audible signals and devices to permit
volume adjustment of telephone equipment
above normal levels

Artificial eye

Artificial kidney machine, including installation,
operating costs

Artificial limb

Blood sugar level measuring devices for
diabetics

Brace for a limb

 

Catheters, catheter trays, tubing, diapers,
disposable briefs required by incontinent
persons

Colostomy pads

Crutches

Hernia truss

Ilestomy pads

Iron lung

Laryngeal speaking aid

Spinal Brace

Wheelchair, or scooter used in place of wheelchair

The Following Expenditures Are Not Covered Under This Plan  
     
Air conditioners*, humidifiers or dehumidifiers

Antiseptic diaper service

Birth control devices (Non prescription)

Blood Pressure monitoring devices

Cosmetic procedures
Expenses must be for diagnostic, therapeutic or rehabilitative services. Some cosmetic procedures qualify if required for medical or reconstructive purposes and must be so stated in writing by your medical practitioner. Expenses incurred for purely cosmetic procedures are not eligible medical expenses; for example, teeth whitening, liposuction, hair replacement procedures, botulinum toxin (Botox) injections, face lifts and breast augmentation. These and any related devices and services were disallowed under new regulations effective March 4, 2010.

Cost of missed appointments

Gym memberships

Health programs offered by resort hotels, health
clubs

Homeopathic medicaments and herbal
supplements

  Hospital parking (unless it can be included in long
distance travel)

Illegal operations, treatment or drugs

Maternity clothes

Medical expenses for which you are reimbursed or
are entitled to be reimbursed from other plans

Over-the-counter products (vitamins, supplements, aspirin, bandages, etc)

Payments to a municipality where the municipality
employed a doctor to provide medical services to the
residents of the municipality

Reiki Practitioner

Rolf therapy (unless paid to a physician)

Scales for weighing food

Toothpaste; toothbrushes

Umbilical cord blood extraction and storage

*The first $1,000 or 50%, whichever is less of an air conditioner prescribed by a medical practitioner as being necessary to assist an individual in coping with severe chronic ailment, disease or disorder

 

 

IMPORTANT - Provincial Health Care Premiums ARE NOT eligible expenditures.
 

The most common definition of a medical expense is a payment made to a licensed medical practitioner qualified to
practice under the provincial laws of the place where the expenses were incurred. Medical expenses eligible to be
paid out of the PHSP are expenses which would otherwise qualify as medical expenses within section
118.2(2) of the Income Tax Act.


For more information please contact Cost Efficient Benefit Plan  
 

Calgary, Alberta
Roy Olney or Chris McKay

(403) 282-3776
1-800-651-3776

Northern Alberta
Len Ehrmann

(780) 377-1000
1-855-575-5900
Ontario
Dan Gauvreau

(519) 588-8346
1-866-965-2201

British Columbia

Lorraine Ronning

1-844-498-0047

Eastern Canada

Carrie Gauvreau

1-866-965-2201




Back to top
 
   
What Is Covered