Get Started

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


Watch the Video

Why Group Benefits?

2. Find the right approach

3. Get the Quote


Our most popular plans with premium coverage and stable rates






Franchise Program


Experience Programs


Benefits Management


Group RRSP


Individual Insurance for your and your family


Simplified Planner


Contact us


Our Story


FAQ and Forms

The Co-operators Medication Management Program


A cost effective solution for specialty drugs that is focused on the well-being of plan members living with complex medical conditions. We’ve partnered with HealthForward Inc. to deliver a medication management program that provides plan sponsors and their members with the benefits of a preferred pharmacy network and additional support services to help manage specialty drug prescriptions.

What are specialty drugs?

Specialty drugs are high cost medications used totreat complex or chronic conditions – such as Hepatitis C, Crohn’s disease or Multiple Sclerosis. They involve prior coverage authorization for coverage, special handling, special administration and the provision of additional support for those who are taking them. Specialty drugs are expensive and can be difficult to manage for those who depend on them.

The benefit of personalized attention and savings

We understand that plan members who require specialty drugs often face unique health challenges.Our partner, HealthForward Inc., is available to support them with:⦁ follow-up to ensure the prescribed treatment regime is understood and medications are taken on schedule⦁ the removal of treatment barriers⦁ referrals to manufacturer support programs, and more

Convenience and support

Enrollment in the program is a seamless and integrated part of the standard prior-authorization process that already applies to most specialty drugs. Plan members are required to fill their specialty drug prescription at an approved network pharmacy in order to be eligible for reimbursement. To ensure convenience, all of our
pharmacy partners offer home and clinic delivery services.

As part of our commitment your health, The Co-operators Medication Management Program provides additional services and support so that plan members living with serious medical conditions are able to focus on what matters most, their treatment and well-being.

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 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... 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