RIGHT FOR YOU. RIGHT FOR YOUR EMPLOYEES.

The enVia Health Spending Account (eHSA) is a new comprehensive Health & Dental benefits program designed to freeze your costs and improve your bottom line while offering better, more flexible & useful coverage to you and your staff. And, your costs are tax deductible as a business expense against corporate income.

WHAT IS IT?

The eHSA acts like a bank account for a much wider range of healthcare expenses. Regular monthly deposits (or once annually) are made to the account, and these contributions are then used to reimburse any eligible expense. All contributions are fully tax-deductible, and, if unused at the end of the year, carry forward to the second year. 

KEY FEATURES

• Not a traditional insurance plan, rather a tax-effective "private health services plan"
• Much wider range of claimable expenses, all reimbursed at 100%
• No deductibles, co-payments or waiting periods
• Pay-Direct Card included
• No health evidence requirements or pre-existing condition exclusions
• Automatically includes $25,000 of Catastrophic Insurance

WHO IT'S BEST FOR

• Incorporated Business Owners / Entrepreneurs / Professionals & their Employees
• Small firms and flexible employers
• Families with "Special Needs" children or Elder Care expenses
• Employer Groups, but on an individual basis

WHAT EXPENSES CAN BE CLAIMED FROM AN eHSA?

Probably a lot more than you'd think, and definitely a lot more than under any tradtional group insurance plan. Here's just a partial list of eligible expenses (including dependent's expenses) as defined in the Federal Income Tax Act, and notice how it includes expenses no reimbursed under other plans because of deductibles, maximum limits and co-insurance:

REAL-WORLD, NEEDS-RELATED OPTIONAL BENEFITS:

While the Health Spending Account and included Catastrophic Insurance cover both your everyday and unexpected healthcare expenses, for true comprehensive protection many people like to supplement their coverage with these affordable Optional Benefits:

DISABILITY INSURANCE

After a 30 day waiting period, a Weekly Disability Benefit of 66.7% of weekly earnings up to $1,500/week for 104 weeks. Thereafter, if Permanently Disabled, a Lump Sum Benefit of 5X Gross Annual Earnings to a maximum of $500,000.

XN GLOBAL® PREFERRED CARE INSURANCE

Provides personal case management in the event of critical illness and ensures prompt access to top US Hospitals for treatment of Cancer, Heart Surgery, Neurosurgery, Organ Transplants & more. 100% reimbursement of expenses up to $2M USD per person per annum.

PERMANENT LIMITED PAY LIFE INSURANCE

Participants may purchase Optional Life Insurance in units of $25,000 or $50,000. Fully paid for in 20 years, coverage remains in force for life. Evidence of Insurability form must be approved by Insurer. 

ACCIDENTAL DEATH & DISMEMBERMENT

Participants may purchase coverage in units of $50,000 up to a maximum of $500,000. No health evidence is required.

Click here to download a PDF Brochure & Application Form

Inside you'll find full Program details & information, rates and instructions on how you can quickly apply for coverage.

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