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Traditional Benefits Plans

The benefits plans you've always known and trusted - evolved.

Fully Insured

Administrative Services Only (ASO)

Healthcare Spending Accounts (HSAs)

We have plans that are designed for any size company using any combination of these options. 

Whether you're a one person bootstrapper or an established 1000 employee corporation - we have great plans that are completely customizable for your situation.


Fully Insured

Experience-Rated or Fully-Pooled

Fully-Pooled plans use the claims from all companies participating in the pool to create an aggregate renewal - spreading the risk of high claims across many more members. 

This is a great option for new plans as the pricing is much more predictable than an experience-rated plan.


Experience-Rated plans allow a plan sponsor to take on a little bit more risk by renewing the plan based on their own plans claims experience alone. 

This is a great option for plans who have established and predictable claims experience but don't want to take on full responsibility of funding claims - as in an ASO plan.

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Call us at 1-416-320-2218.

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