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Private Health Services Plan (PHSP) is a Canadian Revenue Agency (CRA) approved health savings plan that provides a tax-free way to finance healthcare costs of yourself, family or employees, allowing a business owner to expense medical costs through the company.

The PHSP is the perfect plan for self-funding employer & employee healthcare expenses. This is a ‘pay-as-you-claim’ plan in which an employer-funded flexible benefits plan is used like a bank account to pay for 100% of all eligible medical expenses, tax-free.

The PHSP participant starts each plan year with a designated number of credits / dollars in an Employee Health Spending Account (EHSA) as determined by the plan sponsor (owner / employer). Premiums are not required – this is a ‘pay-as-you-claim’ plan, so no claims mean no costs.

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AARA MEMBER PLANS
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BBB MEMBER PLANS
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CIAA MEMBER PLANS
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TRADITIONAL GROUP BENEFITS
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PHSP HEALTH & DENTAL
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