Health Care Spending Account (HCSA)

UWOFA members can use this account to cover the costs that the Western benefits program does not. Examples of coverage include:

  • The remaining 15% of prescription drug costs (some medications [e.g. insulin] are very expensive and the additional costs can be recovered with the HCSA)
  • The additional costs for health care practitioners above the $15 covered by benefits. This can be substantial for practitioners such as chiropractors, massage therapists, physical therapists and other practitioners
  • A pair of prescription glasses is covered at $150 per year. The benefit accumulates to a maximum of two years ($300). The remainder can be covered by your HCSA
  • Regular dental services are covered to 85% so the remaining 15% can be covered by the HCSA
  • Restorative dentistry or major dental work is covered at 80% so the remaining 20% can be covered by the HCSA
  • Only the initial orthodontic consultation fee is covered by your benefits so the cost of orthodontics can be covered by the HCSA