Group Health & Dental Benefits
Provincial health coverage has gaps—prescription drugs, dental, vision, and paramedical services aren't fully covered. Group benefits fill those gaps for employees and their families, and they're a valuable tool for attracting and retaining talent.
Health benefits options we help clients access
Small Business Group Plans
Benefits packages for businesses with 2+ employees. We help small employers offer competitive benefits without the complexity of large-group administration.
Association and Chamber Plans
Some industries and associations offer group plans that individuals or small businesses can join. We can help you find and access these options if they fit your situation.
Individual Health and Dental
If you're self-employed, between jobs, or don't have access to group coverage, individual health and dental plans can fill the gap. Coverage and pricing vary widely.
What Group Benefits Typically Cover
Extended Health Care
Covers expenses not paid by provincial health insurance: prescription drugs, paramedical services (massage, physio, chiro), medical equipment, ambulance, and more.
Dental Care
Covers preventive care (cleanings, checkups), basic services (fillings, extractions), and sometimes major services (crowns, dentures) and orthodontics, depending on the plan.
Vision Care
Covers eye exams, glasses, and contact lenses up to plan limits. Some plans also cover laser eye surgery.
Life and Disability (Group)
Many group plans bundle basic life insurance and disability coverage. These provide a foundation that can be supplemented with individual coverage for higher limits or better definitions.
Extended Health Care
Covers expenses not paid by provincial health insurance: prescription drugs, paramedical services (massage, physio, chiro), medical equipment, ambulance, and more.
Dental Care
Covers preventive care (cleanings, checkups), basic services (fillings, extractions), and sometimes major services (crowns, dentures) and orthodontics, depending on the plan.
Vision Care
Covers eye exams, glasses, and contact lenses up to plan limits. Some plans also cover laser eye surgery.
Life and Disability (Group)
Many group plans bundle basic life insurance and disability coverage. These provide a foundation that can be supplemented with individual coverage for higher limits or better definitions.
Looking for employee benefits?
We'll help you design a plan that fits your team and your budget.
Tell us about your business, number of employees, and what you're trying to accomplish. We'll present options at different price points and help you choose what makes sense.
Key Things to Know
Group benefits attract and retain employees
For small businesses, offering health and dental benefits can be a meaningful advantage in hiring and keeping good people. We can help you design a plan that fits your budget.
Individual plans have limitations
Individual health and dental plans typically have lower limits, more exclusions, and waiting periods for pre-existing conditions. They're useful but not equivalent to group coverage.
Review your plan annually
Benefits needs change as your family or business grows. We'll help you review coverage annually and adjust as needed—whether that means upgrading, downsizing, or switching carriers.
Group benefits attract and retain employees
For small businesses, offering health and dental benefits can be a meaningful advantage in hiring and keeping good people. We can help you design a plan that fits your budget.
Individual plans have limitations
Individual health and dental plans typically have lower limits, more exclusions, and waiting periods for pre-existing conditions. They're useful but not equivalent to group coverage.
Review your plan annually
Benefits needs change as your family or business grows. We'll help you review coverage annually and adjust as needed—whether that means upgrading, downsizing, or switching carriers.
Common misses we fix for businesses and individuals
Quick items that help you get more value from your health benefits.
Frequently Asked Questions
How many employees do I need to start a group plan?
Most group plans require at least 2-3 employees, though some insurers have options for even smaller groups or sole proprietors with a spouse. We'll find options that fit your situation.
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