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Because our goals are the same as yours – a better package, at a better price to best meet the needs of our employees.

smart-insurance-plan

Smart Insurance Plan

A typical traditional plan a twist.

We know that sometimes your employees are used to a particular way of doing things and you don't want to stir the pot! So we've applied intelligent plan design features to a traditional plan to help you contain costs while giving employees all-around coverage.

peace-of-mind-benefits-plan

Peace of Mind Plan

Flexibility and cost containment.

Why not get the best of both worlds? We have designed an exclusive offering that will provide your employees flexibility to cover their routine health and dental needs, while providing the necessary protection from catastrophic incidents. You get comprehensive protection with controlled inflation!

flex-benefits-plan

Flex Insurance Plan

Flexibility with cost certainty.

This plan is a Health Care Spending Account that allows you to contribute a fixed sum of funds, called Health Dollars, that will cover any eligible health and dental expenses for your employees and their families. This plan empowers employees to decide how to spend their Health Dollars to meet their unique needs.

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You'll enjoy economies of scale from being grouped with our other clients and benefit from our unique insight into financial structures so that you're able to maximize all possible tax efficiencies.

Smart Insurance Plan

Peace of Mind Plan

Flex Insurance Plan

Income Replacement Benefits

Life Insurance

Disability Insurance

Supplementary Benefits

Protection for Major Health Needs

Emergency Travel Medical

Accidental Dental and Private Nursing

Semi-Private Hospital Room

Prescription Drugs

up to Health $ limit

Coverage for Routine Medical Needs

Paramedical Services

up to Health $ limit

up to Health $ limit

Medical Supplies & Services

up to Health $ limit

up to Health $ limit

Basic Dental

up to Health $ limit

up to Health $ limit

Major Dental

up to Health $ limit

up to Health $ limit

Orthodontics

up to Health $ limit

up to Health $ limit

Vision Care

up to Health $ limit

up to Health $ limit

Which is the right plan for my business?

Let us help you decide which plan design might be right for you. Here’s some need-to-knows about each plan design for you to consider:

Smart Insurance Plan

Peace of Mind Plan

Flex Insurance Plan

Employee count

2+

10+

1-10

Employee demographics

Experienced workforce who need holistic coverage with little flexibility

Mixed workforce who need high drug coverage and want flexibility

Younger workforce who have low drug needs and want higher flexibility

Business size

Mid-size business

Small to mid-size business

Owner-operator or small business

Suitability

If group has existing plan

Virgin group or with existing plan

Virgin group

Flexibility

Medium

High

High

Customization

Medium

High

High

Initial cost

Low

Medium

Determined by you

Annual inflation

Controlled

Controlled

Determined by you

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Want to find out which plan will meet your business needs?