Business Owners' Benefits Guide

Everything you need to know about employee benefits

We reveal benefits plans that saves your business from overpaying taxes and insurance premiums. 

What’s a Health Spending Account—And Why It Matters?

Health Spending Accounts (HSA) lets you pay for real health and dental needs—tax-free, with no red tape or insurance hassles.

Unlike traditional group plans, HSAs give you total control:

Top Benefits of an HSA

Want more flexibility?

Some businesses add a Wellness Spending Account (WSA) for gym perks, nutrition, or mental health.

Great for team building and retention.

FAQs & Myths

Playlist

4 Videos

How Brett Kissel & Real Canadian Businesses Cover Their Employees

See how Brett Kissel, award-winning musician and Alberta business owner, keeps his crew covered—on tour and at home—with Quikcard’s flexible HSA.

From musicians and trades to office teams and start-ups, Quikcard supports Canadian businesses of every kind.

37,200+

Businesses, Employees & Cardholders

65,000+

Canadian Health & Wellness Providers

35+

Years of Administrating Benefits

Google Reviews
Rated 4.8 out of 5

Why Business Owners Prefer Quikcard

Live Human Support, No Call Centre Hell

Call, text, or email and get a real person who knows your business—not a robot or overseas queue.

No More Surprise Premium Hikes

Your costs stay predictable year after year—no more holding your breath at renewal time.

Staff Actually Use Their Benefits

Employees pick the perks that matter to them—no wasted plans or unused coverage.

Cut Admin Time to Minutes per Month

Owners and office admins report saving hours each month on paperwork and chasing claims.

Why business owners switch to Quikcard

We’re all about helping you retain your best people, while saving on taxes and admin headches.​

When insurance screws over your best employee.

"When we switched, one of our guys finally got the treatment he’d been putting off. He thanked me for weeks."​
Adam
Machinist Business Operator

When your staff needs to cover their family.

"I have spousal coverage with Quikcard through my wife’s employer, and I’ve had to rely on it frequently due to restrictions in my own benefits plan. Quikcard’s customer service has been outstanding every time"
Steve DeCoteau​​

When your team wants flexibility—dental, massage, you name it.

"Having the flexibility to allocate benefits toward things like dental care, prescriptions, and even wellness expenses has been amazing.”​​
Brittany Hanna
Spouse of Employee

When you don't want the stress of paying out of pocket.​

"The integration with service providers ensures that direct billing is smooth, reducing any potential stress associated with claims.”
Georgie Kovacs

When you just want onboarding done in 15 minutes.

"The process was seamless and simple to onboard both as an administrator and card holder. I had everything set up in 15 minutes! Customer service was excellent and they quickly answered any questions that I had." ​
Jonathan Chia​

How to get onboard with Quikcard

Build a benefits plan that fits your business, with zero admin headaches

1. Tell us your team size and benefit budget.

Plans can be customised for different groups if needed.

2. Pick your benefit categories for a loyal team.

Health, wellness, or flexible. We’ll guide you.

3. We handle everything else + headaches.

Onboarding, setup, support, and easy claims for your team

Flexible benefits, zero headaches

Get your business on Quikcard

Reply to our email if you’ve already gotten a quote. Alternatively, call us or get a second estimate

Frequently Asked Questions

No, we’re not insurance company.

Quikcard offers Health Spending Accounts (HSA) and administrative services that give you control over costs, tax-efficient funding, and real flexibility, but without the restrictions or premiums of traditional insurance.

You set the funding amount and employees claim only what they use, from a wide range of eligible health and wellness expenses (dental, vision, prescriptions, massage, and more).

Unused funds can be returned to you or rolled over, whichever you prefer.

You only pay an admin fee, which is a percentage of funds that gets used. Quikcard takes on the administrative headaches and fields any questions your employees have.

There are no premiums, no sign-up fees, and no hidden charges. Unused contributions can be refunded.

You’ll get real, human support—phone, email, and chat. Quikcard’s award-winning service team is known for fast, helpful responses, and you’ll never be left on your own with admin headaches.

Quikcard’s team is reachable via phone, chat, or email, and claims are typically handled swiftly, with wait times under two minutes.

Setup can be completed in as little as 15 minutes.

Most employers and cardholders are fully onboarded and ready to use their benefits on day one.

Quikcard’s team will guide you through every step, and handle the admin for you.

Incorporated businesses (including corporations and not-for-profits), regardless of size, are fully eligible to offer an HSA to themselves and their employees. Even a single-owner corporation qualifies.

For sole proprietors and partnerships, eligibility requires at least one arm’s-length employee, meaning a person not related by blood or marriage, employed on a T‑4, and not a contractor. Family members don’t count under CRA rules.

Eligible expenses include dental, vision, prescriptions, massage, gym memberships, and more.

If you’re not sure, our support team is always here to help.

Most providers direct bill Quikcard, so there’s no paperwork for you.

For anything not direct billed, submitting a claim is quick—just a few minutes online or by app.

Claims are processed within 48 hours and paid directly to you, often the next business day.

Claims submitted via web portal, app, email, fax, or mail are processed within 48 hours, with payments issued twice weekly and typically in your account by the next business day.

No annual renewal is required. You can cancel the administrative contract by providing Quikcard 60 days’ written notice.