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Pooled Program Renewal – 2023

Benefits, Insurance & Taxes

Introduction, a leading web-based benefits provider, is proud to announce its Pooled Programs Renewal for 2023. As a company committed to simplifying group benefits through pooled rates and claims, has been serving clients since 1988. Our focus is on delivering exclusive and efficient group benefits programs with a “True Insurance” approach that eliminates the volatility common in most plans for groups of 3 to 20+.

In this blog post, we’ll discuss the updates to our programs in 2023, the importance of selecting the right benefits structure, and the trends in consumer behavior. We’ll also highlight some interesting graphs from our PDF report, showcasing our achievements in maintaining long-term rate stability.

2023 Program Updates

In response to market conditions, we’ve made the following updates to our programs for 2023:

  1. Extended Health and Dental – Increased termination age to 80
  2. Essentials Program – Increased Paramedical coverage by $50 (per practitioner, per family member, per year)
  3. Essentials Program – Increased Vision coverage by $50 (lenses, frames, contacts)

Selecting the Right Benefits Structure

Choosing between a pooled or experience-rated structure depends on how important it is for a client to budget for benefits costs and how much risk they’re willing to assume. Approximately 95% of our clients choose our pooled program for the stability it offers.

Pooled Program Market Position

Our pooled program offers premium levels of coverage for all programs, ensuring eligible claims are paid quickly and efficiently. This approach is ideal for clients who want predictability in budgeting.

Consumer Trends and Claim Patterns

Consumers continue to embrace benefits as part of their daily lifestyle, shifting towards preventative rather than reactive utilization of benefits plans. Our pooled claiming patterns have remained consistent over the past 8 years, highlighting the importance of employee retention for employers.

Graphs Showcasing Our Success

Our PDF report features graphs that demonstrate our success in maintaining long-term rate stability:

  1. EHC Claims 2023 – claims show a higher percentage of paramedical and dental claims compared to traditional EHC claims.
  2. Dental Claims 2023 – dental claims show a higher percentage of basic dental claims.
  3. 2022 Renewal Overview – The pool overall renewal for 2023 is below industry trend at 0.42%, with a 16-year average renewal rate of 6.15%.

Considering a Change?

If you’re an employer looking to attract and retain qualified staff, upgrading your plan with is a simple process. There’s approximately a 20% premium difference between Essentials Option 2 and Lifestyle Option 2. You can also ask us about adding a Group Retirement Savings Plan to your benefits package.

Your Feedback Matters

We’re continually reviewing our processes to enable scalable growth, and we value your constructive suggestions, comments, and observations.

Get in Touch

If you have any questions, please reach out to us at [email protected], call us at 1.888.803.3800 / 778.338.4083, or visit the Learning Centre and Advisor Centre on our website.

Download the 2023 Pooled Program Renewal PDF Report

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