Clinic Staff Benefits
Group plan for clinic staff
As a physician, you want to focus on the health of your patients. As a business owner, there's the added responsibility for the well-being of your business.
With the group buying power of Ontario's physicians, we designed an affordable and sustainable group benefits plan through joining a not-for-profit buying group. This buying group is administered by The Beneplan Co-operative and distributes 100% of income generated from benefit plan surpluses. Beneplan's pricing model and refund agreements have set the standard for group benefit arrangements in Canada.
The most important aspect of any group program is flexibility. Select a level of coverage that matches your budget and choose from a comprehensive menu of benefits that will be most meaningful to your staff.
Options Available
Talk to your Advisor for full details and limits of coverage.
|
Option |
Bronze |
Silver |
Gold |
|---|---|---|---|
|
Minimum 3 employees |
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Life |
1x salary | Maximum $250,000 | Get coverage of up to $75,000 without medical evidence | Dependent Life Insurance: $5,000 spouse, $2,500 dependent |
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Disability |
66.67% of monthly savings | Maximum $5,000 | Get coverage of up to $1,000 a month without medical evidence |
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Health & Dental |
Bronze |
Silver |
Gold |
|
Reimbursement |
80% |
90% |
100% |
|
Hospital |
Semi-Private Room |
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|
Prescription Drugs |
$5,000 per person per year |
$7,500 per person per year |
$7,500 per person per year |
|
Medical Equipment & Supplies |
Included |
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Vision |
Not available |
Eye exams once every 24 months |
$200 every 2 years | Eye exams once every 24 months |
|
Practical Practictioners |
Not available |
$250 per practitioner $750 per family combined per year |
$400 per practitioner $1,000 per family combined per year |
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Out of Country / Out of Province |
100% of the cost of emergency services while outside your home province Lifetime maximum of $1,000,000 per insured person Coverage for the first 60 days of travel if under age 65 |
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Dental |
80% basic | $1,000 per calendar year combined |
90% basic | 50% major | $1,250 per calendar year combined with basic maximum |
100% basic | 50% major | $2,500 per calendar year combined with basic maximum 50% Orthodontics for dependent children to a maximum of $2,500 per child per lifetime |
More than 10 employees?
Talk with us about customizing or matching your existing coverage to suit your needs.
Exclusive Options and Flexible Features
For Employees and Their Families
- Pay-direct drug card
- Drug Advocate
- Employee Assistance Program Personalized Prescription Plan pharmacogenetics testing
- Compassionate Drug Assistance Program
- Dedicated customer care line
- Portal access for submitting claims, signing up for Pre-Authorized Deposits and managing their profile
- Optional Life Insurance increments of $10,000 to a maximum of $500,000. Optional Critical Illness of $25,000 or $50,000
For You
- An online Portal for enrollment, modifying coverage and monitoring monthly premiums
- Assistance available from a certified Human Resources Professional to help answer all your questions and reduce the pressure on you
- Access to complimentary HR education workshops
Need advice? Our expert insurance advisors are here to help.
Benefit plan administered by Beneplan Inc. OMA Insurance is a member of The Beneplan Co-operative and is subject to all bylaws, policies and procedures.
Some conditions apply.