Plan Details

Basic Plan Hybrid Plan All-Inclusive Plan
Eligibility All EE's work a minimum of 20 hours per week
Waiting Period 3 month waiting period
Life Insurance
Benefit Amount Flat $10,000 Flat $50,000 1X Annual Salary
Accidental Death & Dismemberment (AD&D)
Benefit Amount Flat $10,000 Flat $50,000 1X Annual Salary
Dependent Life Insurance
Spouse - $10,000 $10,000
Child - $5,000 $5,000
Long Term Disability (LTD)
Schedule - - 66.67% of first $3,000 and 50% of the balance
Elimination Period - - 16 weeks
Benefit Period - - To Age 65
Tax Status - - Non Taxable
Critical Illness (CL)
Amount - - -
Extended Health Care (EHC)
Prescription Drugs
Plan Type Mandatory Generic Mandatory Generic Mandatory Generic
Deductible Employee Pays Dispensing Fee None None
Co-insurance 80% 80% 90%
Maximum $2500 $5000 $10,000
Major Medical
Co-insurance 80% 80% 100%
Hospitalization
Co-insurance 100% 100% 100%
Coverage Type Semi-Private Semi-Private Semi-Private
Out of Country/Out of Province
Co-insurance 100% 100% 100%
Paramedical Services
Co-insurance - 80% 90%
Maximum per calendar year - $300 Per Practitioner No Doctor Referral $500 Per Practitioner
No Doctor Referral Required
Vision Care
Co-insurance 80% 80% 90%
Coverage Type Eye Examination only; Does NOT include Eyewear Includes Eyewear
$200 Every 24 months		 Includes Eyewear
$300 Every 24 months
Dental
Deductible $0 $0 $0
Recall Examination Every 9 Months Every 9 Months Every 9 Months
Basic & Preventative 80% Co-insurance 80% Co-insurance 90% Co-insurance
Maximum $1,000 $1,500 $1,500
Health Care Spending Account (HCSA)
Flexible Amount Flexible Amount Flexible Amount
Employee Dashboard
The employee dashboard offers easy access to our member’s favourite features. Here, employees can quickly navigate to the part of the platform that they need.
Claims history
Employees can easily monitor their claims history. Charts are displayed to show how much has been claimed. They’ll also be able to view recent claims and check their status to see if they have been approved and paid.
Digital drug card
Employees can quickly access their custom Digital Drug Card to present to their pharmacist. They can also download a printable version that they can print out and keep in their wallet.
My usage
Employees can review the usage for both themselves and their dependents on this dashboard. Here, they’ll find information about where their benefits are being spent, how much they have left, and their usage from the previous year.
Plan coverage
Say goodbye to paper booklets, employees can now quickly look up details about their coverage by reading the details in each section, or using our AI-powered lookup function.
Employer dashboard
You have your own unique dashboard that gives you quick access to view employees, digital reports, digital invoices and more.
Employees database
You can review all of your employees in one simple place. You can search employees by name, filter by division and quickly notify employees by push notification or email.You can also quickly edit employee information or add new employees.
Invoices
You can view and download digital invoices anytime, anywhere. You will be able to filter and view invoice details by city as well as the premium breakdown for each employee. You can also view your previous invoices.