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

Second Opinion Consultation Coverage

Health

When Your Clients Need A Second Opinion

The Co-operators offers expert consultation coverage
for serious illness or mental health condition.

The diagnosis of a serious illness or mental health condition is a time for clear answers, treatment options and hope. You can provide this support to your clients, because The Co-operators offers Second Opinion Consult in association with WorldCare. It will help your clients make informed decisions about health care when it matters most.

Why your clients would choose a Second Opinion Consult?

Most physicians are trained to recognize the symptoms of serious illnesses; however, they may not have immediate access to the most up-to-date treatments or medical innovations. Second Opinion Consult puts patients in contact with physicians dedicated to specific fields of medicine: experts on the front line of specialized medicine.

Why get a second opinion for a mental health condition?

The wait for specialized psychiatrist treatment can be long but with this benefit, your plan members can seek a professional opinion as soon as diagnosed with a covered condition by a primary care physician, psychologist or psychiatrist. A second opinion can help your plan members find the right treatment faster.

What are the benefits of a second medical opinion?

  •  Peace of mind. Experts from top hospitals provide opinions tailored to each unique situation.
  • Ease of access. Opinions delivered without the hassle of arranging for appointments or travel.
  • Reinforce local physician-patient relationship. Working together to ensure the correct diagnosis and the most effective treatment.
  • Enhance care and quality of care. Ensure that the treatment with the greatest chance of success is put into effect as quickly as possible.

Who is WorldCare International, Inc.?

WorldCare is a leader in global eHealth services and solutions.

It delivers highly specialized and personalized electronic second medical opinions from the best medical centres in North Americato local attending physicians for the benefit of their patients.

The WorldCare Consortium® is made up of medical centres that rank among the top ten hospitals in their respective fields.

WorldCare’s supported medical centres in the U.S.

  • Boston Children’s Hospital
  • Jefferson University Hospitals
  • Mayo Clinic
  • UCLA Health
  • Partners Healthcare
  • Massachusetts General Hospital
  • Brigham and Women’s Hospital
  • Dana-Farber Cancer Institute
  • Spaulding Rehabilitation Hospital
  • McLean Hospital

Want to know more about how you can offer your clients a product to help support their plan members’ health? ClearBenefits.ca would be happy to answer your questions, call us today!

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