enVia Benefits Program

General (16 entries)

• 1. What is the enVia Benefits Program?
  It is an exceptional individual benefits/insurance program designed to meet the specific protection needs of contractors and their families. It was developed by Maclagan Inc., an Employee Benefit Consulting firm and ...
• 2. Why was it developed?
  Research indicated that Contractors and Temp employees were being offered traditional individual or small group health and dental plans with their inherent annual cost increases with limited defined benefits that did ...
• 3. How does the enVia Benefits Program Differ from Other Programs?
  The foundation of the Program is the enVia Health Spending Account (eHSA) to provide health and dental benefits that cannot be matched by any insurance plan as any medical or dental ...
• 4. Who can be covered by the Program?
  The enVia Benefits Program is available to all contractors whether incorporated or not and employees & temp staff, whether full-time or part-time.
• 5. Is there a waiting period before I can join?
  No, there is no waiting period, you can apply at anytime. Coverage is effective on the 1st of the month coincident with or next following receipt of the fully completed application. ...
• 6. Do I have to have a medical exam or provide evidence of good health?
  No medical exams are required! A Personal Health Declaration is only required for the Disability Insurance, or the Critical Care Recovery Program. All eHSA applicants are required to submit a Pre-existing ...
• 7. What does the eHSA Program offer versus a traditional health plan?
  The eHSA Program offers the most comprehensive health and dental coverage available in Canada today. You can claim any eligible medical or dental expense listed in Section 118.2 (2) of the ...
• 8. Why is Catastrophic Insurance included with the eHSA as a Mandatory Benefit?
  It is not always possible to predict when a sudden illness or accident will result in higher than anticipated drug, private duty nursing or hospital costs. The enVia HSA therefore includes ...
• 9. What about Out-of-Country Travel Insurance?
  The enVia HSA automatically includes $5M of emergency travel insurance and emergency travel assistance services for trips of up to 30 days duration through ETFS. ETFS is a major Canadian insurer ...
• 10. How do I determine my options and monthly costs?
  Download a Brochure & Application Form here. The brochures and application forms provide the monthly costs. If you need assistance in Western Canada contact Lori Power at Quikcard ...
• 11. How are the monthly eHSA contributions and insurance premiums paid?
  Each participant is required to complete a Pre-Authorized Payment Form . Premiums are paid monthly for the following month via PAC or credit card. Esorse Corporation, Toronto is the eHSA Program ...
• 12. What proof of coverage will I receive?
  You will receive booklets in electronic format detailing the benefits applied for, including a travel insurance certificate to carry with you on all trips. Esorse will send a welcome letter and ...
• 13. What if I am covered by my spouse’s program, or by one of the Provincial Drug plans such as the Trillium Plan in Ontario?
  Esorse and Maclagan Inc. will work with you to ensure that benefits are properly coordinated. If you or a dependent has unusually high prescription drug expenses you should investigate the coverage ...
• 14. Why do I need Disability Insurance coverage?
  Everyone needs protection against unforeseen sudden illness or accident that prevents you from performing the duties of your job. Take away your ability to work and you have lost your most ...
• 15. How does the enVia eHSA Program or the Individual Health and Dental plans compare against those individual plans offered by Manulife, Sun, Great-West and others?
  The enVia Programs are regularly compared against the competition. We believe enVia provides more comprehensive protection at lower cost. Detailed comparisons can be provided on request. The competing individual plans usually ...
• 16. What if I need more information?
  Please contact Maclagan Inc. , the Program developers, and we will be pleased to provide whatever assistance you require.  ...