How the HCSA works

If you choose the Green Leaf or Orange Leaf option, you will have access to a Healthcare Spending Account (HCSA) to supplement your existing benefits coverage.

An HCSA is like a bank account: your employer deposits money into your HCSA, which you can spend on eligible health and dental expenses that qualify under the Income Tax Act (ITA).

You can use those funds to cover health and/or dental expenses that aren’t covered under your plan, or to top up expenses that aren’t fully covered (e.g., deductibles and co-payments). That’s where the flexibility comes in: you’re in control of your HCSA.

If you don’t use all your funds at the end of the plan year, those funds will be rolled over to your account, and you can use them to cover expenses incurred in the next plan year. However, if those funds aren’t used by the end of Year 2, they will be forfeited.

The money in your HCSA is pre-tax, so it goes a lot further. For Quebec residents, it’s a taxable benefit like your regular health benefits.

Important note: This information applies only to active employees of CBM Office Staff, CBOQ, CBWC and FBU. For information on the benefits plan for employees of Canadian Baptists of Atlantic Canada (CBAC), refer to