Will my employees want a plan?
Will my employees value the plan we choose?
affordable access to a wider variety of quality healthcare than they may normally afford for themselves
and their families (i.e. dental, prescriptions, vision, chiropractor etc.)
A healthier workforce means fewer sick days and less disruption for your business.
Is the plan affordable?
We look at a variety of factors in order to match the right cost structure to your unique situation.
Should we share the cost of the plan with our employees?
Generally employees expect there will be a cost sharing of the plan.
Can the “couple” rate apply to a single parent with 1 eligible dependent?
Is there much on-going administration?
employee & dependent information and payroll deductions of the employee portion. Employees are
responsible for reporting any changes to the plan administrator, and for privacy, employees submit
claims directly to the insurer.
Will we have help with the initial set-up and on-going support?
Our structured approach is designed to ensure your plan runs smoothly, is kept current, contains costs,
and effectively eliminates common administrative issues that can arise.
How much will this cost?
50/50 cost sharing with the employees), both the employer and the employees are comfortable and feel
they are getting good value. Depending on the option selected, this can be more affordable than a cash
raise, with no additional EI, CPP or WCB contributions.
Which plan is right for us?
• Clients typically ask for a plan that is affordable with quality coverage and stable rates
• We recommend selecting a plan you are comfortable with, you can always upgrade later
Pricing?
• Higher levels of coverage have higher premiums
• Decreasing levels of coverage have proportionately lower premiums
• Looking to contain costs? The only sustainable solution is to select a different coverage level
Pooled Programs
• Shared risk through claims pooling makes our plans the easiest to budget for going forward
Experience-Based Program
• This program features wholesale (pooled) TLR’s which can lower result in lower rates.
Benefits Management
• Ask about our Benefits Management services
What information is needed to get a quote?
• Company contact information
• Employee information
Existing plan:
When a client decides to change suppliers, additional information will be requested. This simply provides the
quoting insurers the required information in order to properly assess risk.
• Company contact information
• Employee information
• Current plan design
• Claims and rate history
Links and resource materials
Co-operators – Employee Enrolment Form
Co-operators – Health Evidence Questionnaire
Co-operators – Out Of Country Travel Brochure
Co-operators – Plan Member User Agreement Guide
Co-operators – Student Eligibility Form
Co-operators – Request for Pre-Authorized Debit Form – PAD
Co-operators – Cost Plus – Flyer
Co-operators – Cost Plus – Claim Form
Co-operators – Health Care Spending Account (HSA) – Brochure
Administration Assistant – Top 10 Service Topics
Plan Member Change Form
Extended Health Care Claim Form
Dental Claim Form
Application To Waive Waiting Period
Direct Deposit Payment Application
Trucking Industry Eligibility Fillable Form
Contract Employees Criteria
Group Benefits – Program Information & Quote Forms
Pooled Programs – Information Package
Quote Request Form – PDF
Franchise Program
Coverage Supplement
Understanding Your Experience Rated Renewal
Introduction Package
Association Package
Access your account
Plan Member link
Plan Sponsor Link
Group Retirement Enrolment Site
Drug Prescription Programs – Resources
Fair Pharmacare Plan – Registration Form
Fair Pharmacare Plan – Website
BC PharmaCare Formulary Search
Rxhelp.ca – Drug Programs – Patient Payment Assistance Programs
Group RRSP – Information & Quote Forms
Group RRSP – Smart & Simple Solutions – ClearBenefits.ca – Brochure – September 2023.pdf
Group RRSP – Quote Request Form – Excel
Group RRSP – Quote Request Form – PDF
Group Auto and Home Program – Links
Coseco – Group Auto and Home Program – Website
Individual Coverages
Individual Benefits Program
Individual Benefits – Market Position
Individual Benefits – Additional Coverage Details