FAQ

It’s an employer-funded plan for eligible medical expenses. Your business sets annual limits, employees submit receipts, and Frontier HSA reviews the claims and arranges reimbursements.

Frontier HSA is for eligible incorporated Canadian businesses and their employees. Sole proprietors cannot use Frontier HSA. The eligibility checker is a first step; we confirm your business’s eligibility during setup.

An incorporated business owner may use Frontier HSA as a shareholder-employee when they actively work in the corporation's day-to-day operations and receive the benefit because of that employment, not simply because they own shares. Dividends do not establish an employment relationship. Under Frontier's eligibility policy, a shareholder-employee who receives only dividends must provide other documentation supporting a genuine employment or officer role and have their corporate accountant confirm the arrangement.

No. With Frontier HSA, your business funds approved expenses up to the limits in your plan instead of paying a monthly insurance premium. An HSA doesn’t replace every type of insurance coverage. Which arrangement fits depends on your team’s needs and budget.

Pay for the expense, keep the receipt, and upload it through your Frontier HSA account. We review it against your plan’s requirements. After approval and payment from your employer, we reimburse you to your bank account.

Eligible expenses can include dental treatment, prescription glasses, prescription drugs, physiotherapy, and other medical care. Coverage depends on your plan, the expense, and any practitioner or prescription requirements.

General wellness purchases, such as ordinary gym memberships, and purely cosmetic procedures generally don’t qualify. A prescription alone doesn’t make every purchase eligible. Check the requirements for the expense before assuming it’s covered.

Eligible expenses for a covered spouse or common-law partner and eligible dependants may be included. Check your plan’s family coverage and dependant requirements; sharing a household alone doesn’t automatically make someone eligible.

Yes, if the remaining amount is eligible under your HSA plan. Submit the expense to your insurer first, then claim only the unpaid portion through Frontier HSA. Include the original receipt and the insurer’s explanation of benefits so we can see what was already paid.

There’s no setup, monthly, or annual fee. Your business pays approved claims plus an 8% administration fee and applicable taxes. For a $180 approved claim, that’s $194.40 before tax. The employee receives $180.

No. The annual limit is the most an employee can claim during the plan year, not an upfront payment. Your business funds claims as they’re approved.

Your business sets annual limits by employee class, within Frontier HSA’s plan rules. The limit should be reasonable for the employment arrangement. Check your account for your own limit and remaining balance, or ask your plan administrator.

Your business doesn’t pay for the unused portion, and employees can’t withdraw it as cash. Whether unused amounts carry forward depends on your plan’s carryover settings and expiry rules. Check your plan rather than assuming every unused amount rolls over.

Medical expenses paid under a qualifying Private Health Services Plan are generally not a taxable employee benefit for federal income tax purposes. The plan and the employment arrangement must meet the requirements. Provincial treatment can differ; ask your accountant about your situation.

Keep your Frontier HSA invoices, payment records, and plan documents for your accountant. They can confirm the deductions and reporting for your corporation. Benefits provided because someone owns shares, rather than because they’re an employee, are treated differently.