ACCOUNTANTS HEALTH PLAN

ACCOUNTANT'S HAVE UNIQUE PLAN DESIGN ABILITY

The CPA Accountant Health & Dental Plan is a benefits plan that provides flexible coverage, and a management tool that controls costs for the accountants, business owners, employees and the accountants clients.

The accountants plan provides the security of a benefits plan without the expensive mandatory premiums or restrictions.

The Accountant’s Health Plan is #1 in flexibility, cost and service.

The Accountant’s Health Plan has volume specialty contracts unique to the CPA Accountant Association. This provides you, the professional accountant with the #1 plan choices in Canada to fit your Business model.

The Accountant Health Plan has been designed to provide benefits to CPA members, and also to your clients.

COMPULIFE INSURANCE QUOTE
ACE LIFE INSURANCE QUOTE
EMPIRE LIFE INSURANCE QUOTE

The CPA Benefits Plan offers three styles of employee benefit options.

Categories of plan design choice:

  1. Traditional – insurance company funding.
  2. Flexible– Administration services only – self-funding by firm.
  3. Hybrid Health and Dental – combination of 1 and 2.
  4. Insured Benefits – Life, Disability, Critical Illness – add on to above.

Member Rate Guarantees:

  1. 1 year and 3 months rate guarantee for Health and Dental
  2. 2 years and 3 months rate guarantee on Life, Dependent Life and Disability.
  3. Processing fees 8% to $55 per per batch of family claims.
  4. The CPA Health Plan is #1 in flexibility, cost and service.
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FLEXIBLE PHSP PLAN
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TRADITIONAL GROUP PLAN
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HYBRID
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FLEXIBLE HEALTH & DENTAL PLAN

Private Health Services Plan

  • Most popular for companies with 0 to 10 employees
  • Available for one plus participants – professional corporations
  • Pay as you claim based on 8% to $55 batch per family
  • 100% Flexibility and control of Claims by employee
  • Ability to transfer claims to supplemental 3rd party for health and dental
  • Dental and Drug Components (employee Flexible choice health & dental plans) are used to divert the costs of paying claims away from your insurance firm to a professional payer, while increasing employee coverage
  • Stop Loss Plans to cover Catastrophic Claims (High Deductibles) available
  • Cost control for the insurance firm
  • No external line of credit necessary
  • Coordination of benefits does not apply – this is good
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TRADITIONAL GROUP BENEFITS

Insurance Company(s) Line of Credit

  • Most popular for companies of 10 to 35 employees
  • Available for three plus participants
  • Monthly premiums are payable
  • Insurance firm provides line of credit to your firm’s to pay claims
  • Claim costs spread among all current employees
  • Employees control the line of credit by the amount of claims submitted
  • Mark-up on claims is based on your firm’s size – 20% or higher
  • Firm repays claims the insurance firm’s reimbursed next year
  • Internal product limitations & clauses
  • Coordination of benefits does apply
  • Physiological value to the employee
  • Easy to explain and understand
  • Employer can walk away from obligation to repay line of credit (claims)
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HYBRID

Self-Funding by Firm

  • Most popular for companies of 35+ employees
  • Financing costs (mark-up) are based on 10% (maximum) per employee’s claim
  • Monthly premiums are payable
  • Your firm provides line of credit to to pay claims
  • Employees the premiums by the amount of claims submitted
  • Firm repays claims on a month to month basis
  • Firm designs internal product limitations & clauses
  • Firm cannot walk away from obligation to repay their line of credit (claims)
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RISK MANAGEMENT & INSURANCE

Life, Disability, Critical Illness – design to your business model

  • Available for 3+ employees
  • Monthly premiums are payable
  • Firm designs product
  • Physiological value to the Employee
  • Easy to explain and understand
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Additional Travel Plan & Coverage Available

The optional Travel Plan provides protection in the case of an accident or illness providing the funds to cover your medical expenses while away from home.

The CPA Travel Plan Offers:

  1. Flat cost of $202 per year per family
  2. Out of Province & Country medical travel insurance
  3. 60 days of continuous coverage for each trip, no limit to number of trips
  4. Protection for pre-existing conditions
  5. Underwritten by SSQ Insurance

 

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