Get Started

Our 3 steps to understanding and selecting the right benefits for you

I

Watch the Video

Why Group Benefits?

2. Find the right approach

3. Get the Quote

Benefits

Our most popular plans with premium coverage and stable rates

5

Essentials

5

Lifestyle

5

Franchise Program

9

Experience Programs

9

Benefits Management

9

Group RRSP

Insurance

Individual Insurance for your and your family

9

Simplified Planner

9

Contact us

9

Our Story

9

FAQ and Forms

Digital Drug Cards Have Arrived

Benefits, Claims, Tools

Drug cards! What are they exactly? Why do you need them? Drug cards contain your insurance coverage details and are the quickest and easiest way to process claims. They are used for prescription drugs and medical purposes, and save you the hassle of filling out time consuming forms.

Most insurance companies provide beneficiaries with a plastic or printable paper drug card to display to their pharmacist. However, do these options really stand up to the test of time? No doubt we have all experienced the struggle of the print-out drug card. One splash of coffee, and it’s done for. Or perhaps you have taken up the exciting task of self laminating. Could there be a way to create an easier drug card experience?

It’s a digital world

We are excited to announce that beginning October 1, digital drug cards will be available to all plan members! Making this change will increase sustainability and enhance our client experience. Digital drug cards will be made available to new plan members as well as current plan members who are updating their dependants. So, remember that coffee stained drug card we mentioned previously? Worry no more! And say hello to the new way of the future.

Where can I access my digital drug card?

Having access to digital drug cards means that you can now use a virtual copy of your drug card when making claims. Furthermore, your provider will retain the information on file, and will no longer require you to show a physical card at each visit. The drug card is conveniently located on the Benefits Now® mobile app. Plan members can simply open the Benefits Now® mobile app and click on “View my drug card” at the top of the screen. Pretty simple, right?

Adding new plan members

You might wonder, will this change my ability to add new plan members to my benefits plan? When you add a new plan member you will receive an email to pass along to them. This email provides their account information. Additionally they will receive an introduction to Benefits Now® for Plan Members and details on where to access their digital drug card.

When adding or removing dependents, the plan member will receive an email to pass along to the receiving party. This email will acknowledge their change and provide information on how to access their updated digital drug card.

If you have any questions, please contact your Co-operators Account Executive or the Group Client Service Centre at 1-800-667-8164. If you are interested in learning more about your Group Benefits options, visit our website.

Follow Us On Social Media!

Looking at Benefit Plans for your business?

Health and Dental Premium Relief Extended for June

Health and Dental Premium Relief Extended for June

The health and dental premium reduction we provided to plan sponsors for April and May gave relief in real-time. In implementing this, it reflected the anticipated decrease in plan member health and dental claims due to pandemic closure of service providers. We...
Support For Small Businesses

COVID 19: Support For Small Businesses In BC

Small Business BC Support For the latest information on small business supports, resources and advisory services during COVID-19, please visit Small Business BC. Advisors are ready to help by phone at 1-800-667-2272, email and daily digital meetups. See how COVID-19...
Prescription Drug Cost

Prescription Drug Costs Breakdown

Understanding the total cost of a prescription drug claims means learning the 3 main components: 1) Ingredient Cost Actual cost the pharmacy pays the drug company or wholesaler to buy the drug. 2) Pharmacy Markup Percentage charged to cover the expenses involved in...
Why we ask for detailed quote information

Why Ask For Detailed Quote Information?

Why we need detailed quote information from your current plan? Detailed Quote Information tells us a story, enabling us to create the right solution Getting involved in a Group Benefits program is different than purchasing a commodity. Most consumers are...
long term disability

Non Evidence Maximums for Long Term Disability plans

ClearBenefits.ca is pleased to announce new Non-Evidence Maximums (NEM’s) for Long Term Disability in our Pooled Programs. The following enhanced LTD Non Evidence Maximum table applies to new business in both our Essentials and Lifestyle programs:                    ...

Medical Cannabis Coverage

Groups with over 100 lives can request to add medical cannabis coverage to their Extended Health coverage. Medical Cannabis Coverage In October of 2018, recreational marijuana will be legalized in Canada. The legalization of recreational marijuana has sparked a...

Experience-Rated Program: Finding Facts

Since the launch of our Experience-Rated Program, we get asked to provide both Pooled and Experience-Rated quotes. We believe the 1st priority is to understand the client need and what outcome they are trying to achieve. Fact-Finding - A Better way to do...

ClearBenefits.ca Pooled Programs – YTD Performance

We just completed our monthly review and thought I would share an update on the YTD performance of the pool: Fiscal year-end: Nov 30 Renewal rate implementation: June 1 As of August 31, 2018 we are 9 months into our fiscal year Claims are below target for...

Looking for a Company Plan?

Receive a personal call from an advisor right now!

Great! An advisor will reach out to you now. Please check your inbox