CUSTOM GROUP PLANS FROM 3 TO INFINITY ∞
Say goodbye to shopping for a new benefits plan—forever!
Many businesses have diverse needs across teams—executives, management, supervisors, and front-line staff. We CAN build tailored solutions with multiple benefit tiers, plan classes, and divisions to match your company's unique structure and evolving needs.
Custom Designed for Your Team
We offer a range of plan types to suit your business:
Traditional Experience-Rated Plans – The most common option, where rates are based on your group's actual claims history.
Pooled Plans – Ideal for smaller teams, with lower and more predictable renewal rates that aren't tied to your usage.
Modular Plans – With a set budget per employee, this plan allows each team member to choose the level of coverage that suits them best.
Administrative Services Only (ASO) – A smart solution for larger companies looking to self-insure and control their benefit costs.
Prescription drug coverage
70% - 100% Coverage - Unlimited lifetime
Prescription medications are often one of the most frequent and costly health expenses. A strong extended health plan with reliable drug coverage helps ensure your team can access the medications they need—without financial stress. It’s not just a benefit, it’s peace of mind, productivity, and long-term wellness.
paramedical services
$500- $1000 per service per year
Enjoy coverage for a wide range of trusted health professionals, including Registered Massage Therapists, Physiotherapists, Chiropractors, Acupuncturists, Naturopaths, Osteopaths, Psychologists, and more. Each service has its own dedicated annual benefit, so you get full access to every type of care you need, without sharing limits.
Dental coverage
Basic, Major and orthodontics
Basic Dental:
Includes exams, cleanings, fillings, extractions, scaling, fluoride treatments, X-rays, root canals (endodontics), and gum treatments (periodontics).
Major Dental:
Covers crowns, bridges, inlays, onlays, implants, wisdom teeth removal, and dentures.
Orthodontics:
Braces available for both adults and children, with up to $2,000 lifetime coverage.
Life and accidental death and dependent Life
$25,000 - $250,000 no medical evidence required (based on group size)
Provides essential financial protection to your employees’ beneficiaries in the event of a death. Coverage can be structured as a flat amount or graded based on earnings. The larger your group, the higher the non-medical limit, meaning more coverage is available without medical evidence.
disability insurance
Protect your income with benefits of up to $12,000/month, (Based on 67% of your income)
Short-Term Disability: Covers from day 0 to 120 or 180 days
Long-Term Disability: Begins at 120 or 180 days and continues up to age 65
24/7 Coverage: Includes both accident and illness, ensuring peace of mind at work and beyond.
critical illness benefit
$10,000 - $250,000 without medical Evidence (Based on Group Size)
Coverage includes a wide range of serious conditions such as:
Heart Attack, Stroke, Cancer, Alzheimer’s Disease, Aortic Surgery, Aplastic Anemia, Bacterial Meningitis, Benign Brain Tumor, Blindness, Coma, Deafness, Heart Valve Replacement, Kidney Failure, Loss of Independence, Loss of Limbs, Loss of Speech, Major Organ Transplant, Motor Neuron Disease, Multiple Sclerosis, Occupational HIV.
Out of Province / Country Travel Coverage
Up to $5 million in coverage for trips up to 90 days.
This benefit protects your employees during medical emergencies while traveling outside their home province or internationally, with no pre-existing condition exclusions, unlike an individual travel plan. A vital layer of protection that ensures your team is covered wherever work or life takes them.
Health Spending Account (HSA)
A flexible, non-taxable benefit that allows you to set an annual spending limit for each employee.
Top-off a service where an employee’s reimbursement amount is less than 100%.
Cover the costs of eligible health expenses not covered under employees’ traditional benefits plan.
Cover the costs of eligible health expenses that have hit their maximum on employees’ traditional benefits plan.
Lifestyle / Wellness Spending Account (LSA)
A flexible, taxable benefit that allows you to set an annual maximum for each employee. The amount counts as earned income at tax time.
LSAs can be used for wellness-related expenses not typically covered by traditional benefits—like gym memberships, ski passes, fitness trackers, yoga classes, and more. You choose which expenses are eligible.
It’s a great way to promote physical and mental well-being, boost morale, and support your team's healthy lifestyle choices.
Employee & Family Assistance Program (EFAP)
The Employee Family Assistance Program (EFAP) is a benefit that helps employees and their families with immediate wellness and mental health care.
Services often include:
Professional counseling and psychotherapy
Crisis and trauma support
Healthcare system navigation
Legal and financial advice and more
Virtual Healthcare
Access to care, anytime, without leaving home
Through our partnerships, your employees can connect with registered nurses and healthcare professionals 24/7 for fast, confidential support.
Virtual care includes:
Prescription refills
Urgent care consultations
Health advice
Chronic condition management and more
Convenient, reliable care that fits into any schedule, because health shouldn't wait.
