Coverage ranging from 70% to 100% co-insurance. Most plans offer direct billing at the pharmacy.
Dental Care & Orthodontic Coverage
Select from basic services: cleaning, fillings, extractions, x-rays, fluoride, scaling, polishing. Major restorative services crowns, bridgework, dentures, inlays, onlays. Orthodontic services cover braces.
Extended Health Care
Includes coverage for prescription drugs, paramedical services (massage, chiropractor, physiotherapy, psychologists) ambulance, semi-private hospital, medical equipment and supplies, vision care, as well as 100% emergency travel insurance.
Employee Assistance Programs
Coverage generally provides twelve 1-hour sessions per family unit per calendar year for pennies per day.
Life Insurance & Accidental Death Insurance
Available in flat amounts or multiples of annual earnings.
Covers 60% to 75% of weekly or monthly earnings if an employee is unable to work due to an accident or illness.
Critical Illness Insurance
Provides a lump sum tax-free payout of $30,000 to $100,000 for employees who are diagnosed with a serious illness or injury.
Dependent Life Insurance
Available for spouses and dependent children.
Health Spending Accounts (HSAs)
These flexible spending accounts increase the retention rate of employees, offer enhanced perks for managers, owners and executives. Our health spending accounts (HSAs) are 100% custom-tailored to meet your budget and are free to set up.
Plan Funding Options
When exploring alternate funding methods for your benefits plan, you can choose between a fully insured option or a self funded option; Administration Services Only (ASO). When an ASO option is selected, the business accepts responsibility for the predictable claims and the high risk coverage, such as life and disability are insured with a traditional carrier.
When determining if and ASO funding model is the right fit for your business, we will produce a full benefits study based on your past experience. With an ASO plan in place, your business eliminates risk charges, administration costs, reserves, contingency allowance and interest factors.