Group Benefits
A plan that gives the employer the ability to pay claims using a third-party administrator. This eliminates the need to pay an insurance company to pay medical, dental and vision claims.
Fully Insured
A more traditional way to structure an employer-sponsored health plan. A company pays a premium to the insurance carrier based on the number of
employees enrolled in the plan each month.
Hybrid Plans
Combination of Insured and Self Insured Plans.
Health
Spending
Accounts
An innovative way to complement or replace your group benefit plan. *
* HSAs provide the ultimate blend of flexibility and cost containment, while enabling your employees to pay for medical and dental expenses not otherwise covered by your plan with non-taxable dollars. A fixed dollar amount is allocated into a Health Spending Account that employees can use to pay for eligible medical and dental expenses not covered under your group or provincial medical plan.
What is included
Extended Health Care Benefits: Prescription Drugs/Parameds/Medical Supplies /Travel Insurance/Vision Care and Hospital all fall under the EHC or Extended Health Care umbrella
Prescription Drug Coverage: Our plans cover both Brand Name and Generic Drugs including- Acute, Maintenance and Specialty Drugs
Paramedical Practitioner Services: Our plans will cover expenses related to:
- Massage Therapy
- Chiropractors
- Physiotherapy
- Acupuncture
- Speech Therapist
- Podiatrists
- Mental Health Practitioners
- Athletic Therapists
Medical Supplies and Equipment: Our plans cover expenses related to:
- Diabetic Supplies and Equipment
- Insulin Pumps
- Wheelchairs
- Braces/Crutches/Casts
- CPAP Machines
Emergency Travel Insurance: We provide:
- Out of Province or out of Country travel insurance
- Unlimited Maximum Travel Insurance
- COVID 19 Pandemic Travel Insurance
Vision Care: Our plans cover expenses related to:
- Exe Exams
- Glasses
- Frames
- Contacts
- Laser Eye Surgery
Dental Coverage: Our plans cover expenses related to:
- Basic and Preventative Services
- Root Canals
- Oral Exams and X Rays
- Surgical and Restorative Procedures
- Gum /Tissue Disease and Repair
- Orthodontic Coverage
Critical Illness
Additional coverage for medical emergencies like heart attack, stroke, or cancer. These emergencies or illnesses often incur greater than average medical costs, these policies pay out cash to help cover those overruns where traditional health insurance may fall short
Life/Accidental Death and Dismemberment
Your family will be financially compensated in the event death, injury or dismemberment occurs within or outside the workplace
Semi Private. Private Hospital Coverage
Have the privacy you and your family deserve when you need it the most with the ability to upgrade your room in the event of serious injury, accident or illness.