Testosterone Replacement Therapy (TRT)

Is Testosterone Replacement Therapy (TRT) covered by HSA in Canada?

Yes, with a prescription, many TRT-related expenses are eligible for reimbursement through a Health Spending Account (HSA) in Canada.

TRT involves several components, and most are covered when prescribed by a medical practitioner.

What TRT Expenses Are Covered?

Prescription Medications

Testosterone medications (gels, patches, injections) are eligible when:

• Prescribed by a licensed medical practitioner
• Dispensed and recorded by a pharmacist
• Note: Over-the-counter supplements and vitamins are NOT eligible

Needles and Syringes

If you self-inject testosterone, needles and syringes are eligible with a prescription. Keep your prescription on file for claims.

Lab Tests and Blood Work

Lab tests to monitor testosterone levels and overall health are eligible when they:

• Fall under "medical services by medical practitioners"
• Are qualifying tests (often prescription-supported)
• Are ordered by your doctor as part of your TRT protocol

Doctor Visits and Consultations

Visits to your doctor or endocrinologist for TRT management are covered under medical services by medical practitioners.

What's NOT Covered?

• Over-the-counter testosterone boosters or supplements
• Vitamins and herbal supplements
• Non-prescription products claiming to boost testosterone

Requirements

• Prescription Required: Yes, you need a valid prescription from a medical practitioner for all covered items.

How to Claim

1. Pay for your TRT expenses and keep all receipts
2. Ensure your pharmacy receipt shows it's a prescription item
3. Submit your claim through the Frontier HSA app
4. Receive tax-free reimbursement within 2-3 business days

Your receipt should show the provider's name, date of service, prescription details, and amount paid.

Frequently Asked Questions

Can I claim testosterone gel or patches on my HSA?

Yes, prescription testosterone gels (like AndroGel) and patches are eligible medical expenses when prescribed by a doctor and dispensed by a pharmacist.

Are testosterone injections HSA eligible?

Yes, both the testosterone medication and the needles/syringes needed for self-injection are eligible with a prescription.

Can I claim blood tests for monitoring my TRT?

Yes, lab tests ordered by your doctor to monitor testosterone levels, liver function, and other markers related to your TRT protocol are eligible.

Do I need a prescription?

Yes, you need a prescription from a qualified medical practitioner for all TRT-related claims.

How much can I claim?

You can claim the full amount up to your annual HSA limit. There are no co-pays, deductibles, or percentage limits.