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Fully insured health benefits are traditional, turnkey solutions that provide your employees with the level of coverage that you desire for a predetermined monthly fee. These plans are customizable and yearly expenditures are easy to calculate.
Know your monthly expenditure
Easy budgeting and financial planning.
Choose the level of coverage to offer your employees.
Great customer service
Insurance companies offer significant resources.
Insulated from fluctuating health claims.
It’s always the little pieces that make the big picture. Health Benefits can feel like a puzzle. We can help you solve it.
Administrative Services Only (ASO)
Administrative services only (ASO) is a highly effective way to fund the high-frequency low risk healthcare claims of your group benefits. The benefits coverage is identical and just as customizable as a traditional benefit plan. The difference is, you pay for what you use. This means more control and transparency.
You know how your money moves through the plan.
Reimbursements for your day-to-day claims.
Catastrophic claims are still insured.
No more negotiating.
Wouldn’t you like a health plan that fits your life without the extra cost?
Defined contributions are great as a stand-alone plan or as part of a hybrid solution. These plans are effective tax-free accounts to provide employees and their families a wider range of coverage for medical services and dependents not typically allowed under a normal group benefits plan.
We offer two variations with their own unique benefits:
Health Spending Accounts
Technology to drive the account. 1 and 2 year rollover options.
Health and Welfare Trust
A trust is established and funds remain with employee for life and accumulate when not used.
If you choose a Health and welfare Trust for your business we will embed a link in your company website.
And shared benefits:
Employees have the flexibility to spend their health dollar as they need.
Coverage is greatly enhanced to included additional dependents and health services.
Contributions are tax free and increase when you are ready.
Easy to use and understand.
Our team of consultants are happy to customize a holistic plan at a moments notice.
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888 3rd St. Suite 1000 West Tower, Calgary, Alberta, T2P 5C5view on map
2001 Blvd. Robert Bourassa Suite 700, Montreal, Quebec, H3A 2A6view on map