Navigating through the wide variety of options available in your BeniPlus Wallet can sometimes feel like searching for a needle in a haystack. Yet, amidst the familiar offerings, there are often hidden gems that can significantly enhance your overall wellbeing. Let's uncover some of these often-overlooked treasures, in your Healthcare Spending Account (HSA) and Wellness Spending Account (WSA), and how these can be tailored to meet diverse needs.Healthcare Spending Accounts (HSAs): More Than Just Medical BillsAn HSA is a pre-determined amount of money provided by an employer to cover an employee's health and medical expenses. The real beauty of HSAs lies in what they cover. Unlike traditional health benefits plans that have limits on how much or how often you receive services, HSAs let you use your benefits however you would like. Here are 3 of our favourite ways to use your HSA.

1. Vision Care: Whether it’s a yearly visit to the eye doctor or that fabulous pair of glasses you have been eyeing, your HSA has you covered. Plus, with our hidden gem, you can also invest in those killer prescription sunglasses that you have been thinking about.

2. Massage Therapy: The potential for relaxation and stress relief is another gem in HSAs. Massage therapy, often considered a luxury and often limited by traditional health benefits, can be a game-changer for employee wellness and are fully covered by your HSA.

3. Chiropractors and Physiotherapy: Another hidden gem in your HSA is coverage for visits to health practitioners like chiropractors and physiotherapists. With your HSA you never have to worry if that visit is covered.

Wellness Spending Accounts (WSAs): Beyond HealthWSAs take a broader view of wellness, allowing employees to use dedicated funds to improve their over-all wellness and quality of life. It covers a wide array of benefits including fitness, family care and digital wellness.

1. Childcare: Unlike traditional benefits plans, WSAs can be used to cover a range of family care expenses including daycare, babysitting and even afterschool programs. With this helping hand, you have the comfort of knowing that your family will have the extra support you need.

2. Fitness and Sports: From gym memberships to sports fees, WSAs allow you to invest in your overall well-being. It can even cover fitness sports equipment to make sure you have everything you need to set your goals and succeed.

3. Digital Wellness: Today more and more Canadians are looking to digital resources to help with their overall wellness. With a BeniPlus WSA, you have the comfort of knowing that those resources are covered. From that amazing meditation app to that Peloton subscription, you have been thinking about, your WSA has you covered.

Tailoring Benefits to Individual NeedsThe traditional one-size-fits-all approach to benefits is changing. Businesses now recognize the need to tailor benefits to the needs of their team members. Three major trends have emerged as a result.

1. Flexibility: Today businesses are looking for benefits packages to fit the needs of their workforce. Whether it's prioritizing mental health services or childcare, flexibility ensures that the benefits are relevant.

2. Wellness as a Priority: By focusing on diverse offerings such as HSAs and WSAs, small businesses can ensure their employees have access to resources that enhance their wellness, ensuring their team are their happiest, healthiest and most productive selves.

Conclusion: Unearth the Hidden GemsNavigating your employee benefits doesn't have to be a daunting task. By understanding and offering the often-overlooked benefits, you can enhance the quality of life of your team significantly.Remember, these group benefits for small businesses are designed to ensure employee wellness. By taking the time to understand and tailor benefits to your unique needs, you ensure that you're not just finding hidden gems, but truly enriching your life both in and out of the workplace.For more information about the BeniPlus Wallet, speak with one of our benefits experts today!