How to Use Your HSA to Pay for TRT (Testosterone Replacement Therapy) in Canada

By Frontier Team•February 3, 2026•4 min read

Testosterone Replacement Therapy (TRT) is becoming increasingly common in Canada, but the costs add up fast — prescription medications, regular blood work, doctor visits, and supplies. If you're an incorporated business owner on TRT, a Health Spending Account (HSA) lets you cover all of it tax-free through your corporation.

Here's what's covered, what's not, and how to claim it.

Is TRT HSA Eligible in Canada?

Yes — with a prescription. The CRA classifies prescribed TRT medications as eligible medical expenses, along with the related supplies, lab work, and doctor visits that come with ongoing treatment.

The key requirement is a valid prescription from a licensed medical practitioner. Over-the-counter testosterone boosters and supplements are not eligible.

What TRT Expenses Are Covered?

Prescription Testosterone Medications

All prescribed forms of testosterone are eligible:

  • Injections — Testosterone cypionate, testosterone enanthate (e.g., Depo-Testosterone)
  • Topical gels — AndroGel, Testim, and generic compounded gels
  • Patches — Androderm and similar transdermal patches
  • Compounded formulations — Custom preparations from compounding pharmacies, when prescribed

Your pharmacy receipt must show the item as a prescription medication dispensed by a pharmacist.

Needles and Syringes

If you self-inject, the needles and syringes are covered with a prescription. Keep your prescription on file — your pharmacist can note it on your receipt.

Blood Work and Lab Tests

TRT requires regular monitoring. Lab tests ordered by your doctor are eligible, including:

  • Testosterone levels (total and free)
  • Estradiol (E2)
  • Complete blood count (CBC) and hematocrit
  • Liver and kidney function panels
  • PSA screening
  • Thyroid panels

These fall under "medical services by medical practitioners" and "laboratory procedures" under CRA guidelines.

Doctor and Specialist Visits

All visits related to your TRT management are covered:

  • Family doctor appointments for prescriptions and monitoring
  • Endocrinologist consultations
  • Follow-up visits for dosage adjustments

What's NOT Covered?

The CRA draws a clear line at prescription items. These are not eligible for HSA reimbursement:

  • Over-the-counter testosterone boosters (like DHEA or tribulus supplements)
  • Vitamins, minerals, or herbal supplements
  • Non-prescription products marketed as testosterone support
  • Gym memberships or fitness programs (even if recommended alongside TRT)

How to Claim TRT on Your HSA

Step 1: Pay for Your Expenses

Pay for your prescriptions, lab work, and appointments out-of-pocket. Most TRT costs are recurring, so you'll be submitting claims regularly.

Step 2: Keep Your Receipts

For each claim, your receipt should include:

  • Prescriptions: Pharmacy receipt showing drug name, DIN number, prescribing doctor, and amount paid
  • Lab work: Receipt from the lab or clinic showing tests performed, date, and amount
  • Doctor visits: Invoice from the medical practitioner showing date and service description

Step 3: Submit Through the App

Upload your receipts through the Frontier HSA app. You'll receive tax-free reimbursement within 2-3 business days via e-transfer.

Tip: TRT is an ongoing expense. Set a rhythm — submit your claims monthly after filling your prescription and completing any blood work.

How Much Can You Save?

A typical TRT protocol costs roughly $150-$300/month when you add up the medication, supplies, and periodic blood work. That's $1,800-$3,600/year.

Without an HSA: You pay from after-tax personal income. You might claim the METC, but it only provides partial relief and has a threshold before it kicks in.

With an HSA: Your corporation pays and deducts the full amount as a business expense. You receive the reimbursement tax-free. Depending on your corporate and personal tax rates, that's roughly $800-$1,800/year in tax savings compared to paying personally.

Over several years of ongoing therapy, that adds up significantly.

Can You Combine Insurance and HSA?

Yes. If your traditional health insurance covers a portion of your TRT prescriptions, you can submit the remaining out-of-pocket balance to your HSA. The two work together — insurance pays its share, your HSA covers the rest tax-free.

Getting Started

If you're on TRT and don't have an HSA, Frontier can set one up for you quickly. No setup fees, CRA-compliant from day one, and you can start claiming right away.

Get started at frontierhsa.ca.

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