The waiting period is usually 3 months or 6 months depending on your employers contract.
Please contact us if your plan carrier is not listed as one of the above options.
Cost Plus is a proven, tax-effective means of paying Health, Dental and Vision Care expenses not covered under your Group Insurance Plan, or where plan maximums are exceeded. Some of the most common uses include amounts over any limits in your current group plan, and specific treatments such as orthodontic dental work. The program covers all supplies and services considered eligible medical expenses under the Canadian Income Tax Act. For the business, Cost Plus charges are treated like group insurance premium, as an eligible business expense. Cost Plus benefits are not taxable in the hands of the individuals who receive them.
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You can request that the employee's waiting period be waived due to a condition of hire. This is usually only acceptable for senior staff or managers. The request should accompany the employee's enrollment application.
Claim office addresses are located on the insurance carriers claim forms. See our existing client link for applicable claim forms. Please remember to take a copy of all receipts and forms before you submit.
Some plans do not cover smoking cessation, obesity medication, fertility or sexual enhancement medication. If you want to see if a specific medication is covered please call your insurance company provider with the DIN # of that particular medication. Brand named drug plans are available that will cover all drugs at 100%. If you have prescription drug coverage using a Formulary plan Here is how this type of plan works.
Yes. All group insurance plans provide emergency medical insurance for when you travel. Check your individual policies to see how long each trip can be in a year.
Claims will be honoured for up to 12 months.
With the Chambers Plan your business (or one of it's principals) must maintain a membership in a participating Chamber of Commerce or Board of Trade. Sole proprietors, partners and employees are all eligible to apply if they are under age 75. They must be Canadian residents, work at least 2/3 of the company's normal hours and not less than 20 hours per week.
All other insurance plans have similar rules but you do not need to be a member of a Chambers of Commerce or Board of Trade.
For the Chambers Plan please download an employee application form, complete and fax to the insurance carrier or our office.
For all the other insurance carriers you can download an application form from their website or apply online or contact our office at 905-849-4342 Ext. 23.
Our fax number is 905-849-7177.
All permanent year round employees must be enrolled into the group insurance program within 3 months of their hire date. If this date is missed the employee becomes a Late Entrant. A full medical disclosure is required and reduced dental benefits are applied. To avoid this situation, please speak to your advisor immediately.
If you are unable to find the answer to your question above, submit it using the form below. One of our customer service representatives will respond to you within 24 hours.
1-888-831-8232
1-888-831-8232