Health & Dental Benefits

Personal Coverage

Personal Health & Dental Benefits Plans are designed to compliment your Provincial Health Care Plan (such as OHIP), providing you with the coverage your Provincial Plan does not, such as prescription drugs, dental visits, vision care. It also protects you and your family from unexpected health care expenses.

1. Customize your plan design with different levels of coverage: match your plan to your needs and get what you want at a price you can afford:
   
   • Prescription Drugs
   • Dental Care
   • Paramedical Services: Chiropractor, Osteopath, Physiotherapist, Podiatrist, etc.
   • Vision Care
   • Hearing Aids
   • Medical Supplies
     
     
2. Ideal for retirees, self-employed, or employed persons who do not have company group benefits.
   
   
3. We offer "Stand Alone Coverage Plans" designed to provide supplementary coverage for individuals and families with company group benefits.
   
   
4. We can explain how your plan design can be affected by existing medical conditions and negotiate on your behalf.
   
   
5. We can provide access to specialized Recovery Care Program - Best Doctors service^® which provides 2^nd opinion evaluation of your medical records and treatment planning by world class specialists.
   

Group Life & Health

Group Benefits Plans for your business provides employee & principal supplemental Health, Vision & Dental Care not covered by provincial plans as well as Group Life & Disability Insurance.

Group Plans offer business coverage at Discounted Group Rates - this provides your company with a cost effective tool that not only helps retain skilled workers; it improves employee wellness and productivity. This also gives employees access to a level of coverage they may not be able to afford effectively on their own.

An effective Group Benefits package provides your company with the ability to customize plan features to meet the specific needs of your employees at a cost that fits your budget:

1. This requires a detailed analysis of your group's demographics and individual employee needs in order to determine the best options available to you at a manageable cost.
   
   
2. We recommend carriers that provide quality claims service in order to provide you with the support you need when you need it. Coverage options can range from Basic to Comprehensive - depending on your selection and budget.
   
   
3. We help educate your employees about their plan benefits and provide claims support services, including assisting employees with limited or no access to online technology.
   
   
4. We simplify your administrative overhead by providing access to user friendly online benefits administration: enroll/change/terminate group plan members quickly and easily.
   
   
5. Our in house staff provides your HR department/or equivalent with administrative assistance to help you with any questions you may have or any processing support that you may need.
   
   
6. We review your plan on a regular basis to help you contain costs and provide you with the opportunity to take advantage of group product changes/innovations.
   
   
7. Coverage options are becoming more flexible and selective - the goal of an effective group plan is to no longer pay for features many of your employees don't want or need that are part of a "group" package - rather individuals can choose to opt out or opt in based on their unique requirements. This adds value because you get exactly what you want at the right price.
   
   
8. Your premium payments provide your business with a tax deduction opportunity.

Travel Insurance

Secure the coverage you need when traveling outside of your province or outside of Canada . Protect yourself from the high cost of medical treatment and prevent the stress and anxiety that accompanies the unforeseen emergencies that can occur when traveling.

1. We have access to some of the finest quality protection available offering exceptional rates. Compare packages from multiple carriers and then customize your plan design to fit your situation and budget:
   
   
   • Specialty Coverage for Snowbirds
   • Travel to another Province in Canada¹
   • Multi Trip Annual Plans Outside Canada
   • Single Trip Daily Plans Outside Canada
   • Expatriate Plans for Canadians Living and Working Abroad²
   • Visitors to Canada
   • Special Group Rates
     
     
2. We can explain how your Travel Insurance works with or complements other insurance you may have.
   
   
3. The application process is simple with no medical questionnaire in most circumstances.
   
   
4. Coverage is available for all ages.