Employee benefits aren’t just nice to have — they’re a key part of your total compensation. But many Canadians are leaving value on the table by not using them to their full potential. Whether you’re covered under a flexible health plan, have access to a health spending account (HSA), or have mental wellness support included in your package, there are easy ways to get more from what’s already available to you.
Here are 10 ways to make sure you’re getting the most out of your health and wellness benefits:
1. Understand Your Plan
Start by reading through your benefits booklet or logging into your provider’s portal. Know what’s covered, what’s not, and where your annual limits stand. Knowledge is power — and it helps avoid surprise costs.
2. Use Your Health Spending Account (HSA) Strategically
If your plan includes an HSA, treat it like bonus coverage. Use it to pay for expenses not fully covered by your regular benefits — like massage therapy, custom orthotics, or even dental work.
3. Don’t Wait Until December
Many benefits reset annually — but rushing to book appointments in December leads to long wait times. Spread your usage across the year to avoid the end-of-year scramble.
4. Stay on Top of Preventive Care
Checkups, cleanings, vision tests, flu shots — these are often 100% covered and can catch issues early. Use your plan to stay proactive, not just reactive.
5. Prioritize Your Mental Health
From therapy and counselling to digital mental wellness tools, many plans now include robust mental health supports. Take advantage of these resources — you don’t need to be in crisis to benefit from talking to a professional.
6. Coordinate With Your Spouse’s Plan
If you and your partner both have benefits, you may be eligible for co-ordination of benefits. That means you could get up to 100% coverage on certain services when you claim across both plans.
7. Keep Your Receipts
Even if your plan doesn’t cover an expense, you may be able to claim it through your HSA — or on your income taxes. Hang onto those receipts!
8. Ask Your Employer Questions
Not sure what’s included? Wondering if new wellness programs are coming? Talk to HR. Employers want their teams to use the benefits — it helps drive engagement and well-being.
9. Take Advantage of Digital Tools
Many providers offer apps that track claims, provide virtual health care, or connect you with support fast. Make sure you’ve downloaded the apps that come with your plan.
10. Plan Ahead for Big Expenses
Need a crown? Eye surgery? Orthodontics? Some big-ticket items may have limited coverage — but you can spread costs over multiple benefit years, or time them to maximize your plan.
Wrap-Up:
Your health and wellness benefits are there for you. By getting familiar with your plan and using these smart strategies, you can take full advantage of everything your workplace provides — saving money, reducing stress, and taking better care of yourself along the way.
Want to learn more about building better benefits for your team? Let’s connect.