3 Health & Dental Plans are available:
The enVia Benefits Program for Atlas Canada Owner / Operators, Contract, Hourly, & Part-Time Employees offers a variety of Health, Dental & Optional Benefits to accomodate varying personal & business needs.
Review the brief coverage descriptions below, and follow the links to learn more about each plan.
We also offer a PDF Plan Comparison & Cost Calculator may help you see the differences between the Plans. (Requires Acrobat Reader 8.1 or later)
Best suited to Incorporated Owner / Operators or their employees, the eHSA works like a personal bank account for your Health & Dental expenses, allowing you to claim any eligible medical, dental or hospital expense and be reimbursed at 100% up to the amount in your account.
Key Features:
- Offers a much wider range of claimable expenses, including things not covered by traditional plans, like Orthodontia, Laser Eye Surgery, Viagra, Birth Control, Acupuncture, Insulin & Diabetic Supplies, "Special Needs" Therapy & Tutoring, Elder Care and much more.
- Pay-Direct Card for claim payment to Pharmacies & Dentists, or reimbursement can be direct deposited to your account or via mailed cheque.
- Includes $25,000 of Catastrophic Insurance.
- Offers signficant tax-advantages and all benefits received are free of Income Tax.
- No health evidence required to participate.
Click here to learn more...
A traditional insured Health & Dental Plan offering 80% reimbursement up to plan maximums, with no health evidence required.
Key Features:
- Guaranteed Issue - no Health Evidence required.
- Includes Pay-Direct Card for use at Pharmacies & many Dentists.
- 80% reimbursement up to plan maximums - generic prescription drugs to $5,000/year.
- Paramedicals included at $50 per visit maximum to a combined maximum of $1,000 per year for all practitioners.
- Includes Out-of-Country coverage with Emergency Travel Assistance.
- Can be purchased with or without Dental.
Click here to learn more...
The most competitively priced Plan, with a deductible to keep the monthly cost down.
Key Features:
- Guaranteed Issue - no Health Evidence required.
- 100% reimbursement up to plan maximums after deductible.
- Deductible applies only to EHC, not Dental. Deductible is Single $250/year, Couple $375/year, Family $500/year.
- More generous Paramedical reimbursement - $50 per visit maximum to a combined maximum of $300 per practitioner per year.
- No Pay-Direct Card - reimbursement basis.
- Can be purchased with or without Dental.
Click here to learn more...
The Optional Benefits allow you to tailor your coverage to meet personal needs and provide a true "umbrella" of protection. They're reasonably-priced, and you can choose any, all or none of them. They're also available standalone - without any Health & Dental Plan - great if you already have Health & Dental through your Spouse.
Collectively, we call the package a Disability / Income Protection Program.
Available Coverage:
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 learn more...
No problem! We're here to help.
First, this PDF Plan Comparison & Cost Calculator may help you see the differences between the Plans. (Requires Acrobat Reader 8.1 or later)
Or, feel free to Contact Us and we'll be please to help you find the Plan that's right for your needs & budget.
