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Integrated Benefit Solutions

Integrated Benefit Solutions provides Comprehensive Group Medical Coverage for you, your employees and your dependents

Why buy your business health plan from IBS?

1. You get the most competitive rates available on important health insurance products.

2. We can provide you with a variety of specialty group products, such as Private Health Services Plans, Medical Access Insurance, Traditional Group Insurance.

3. You get independent personalized service from licensed health insurance agents.

Group specialty products offered by Integrated Benefit Solutions Inc.

1. Private Health Services Plan (PHSP)

One of the best kept secrets designed for business employers with 1-100 employees!

The Canada Health Act and the Provincial government no longer provide coverage for these basic health and dental services and products:

Dental Services, Prescription Drugs
Routine Eye Examinations for person 19-64 years old
Eye Glasses, Hearing Aids and other equipment
Service deemed medically required such as Cosmetic Surgery
Medical Examinations, Blood Tests, Laser Eye Surgery, Lab Tests
Chiropractic, Massage Therapy, Acupuncture, Physiotherapists
Psychologists, Chinese Medicine, Naturopathy

Now with the Private Health Services Plan (PHSP), these items and many more are TAX DEDUCTIBLE, dollar for dollar from your business income. Claims paid on behalf of the employees are non-taxable.

Certain criteria and specifications are required to qualify for this plan, as set out by the Canadian Revenue Agency, under section 118.2 (2) and within the limits described in IT 519.

2. Medical Access Insurance (MAI)

Have you or someone you know ever been on a medical waitlist?
In our world there are no waits!

MAI is an exciting new insurance product which provides expedited access to private medical services for insured individuals who are on a Canadian medical wait list of 45 days or more.

This program covers all authorized diagnostic consultations with a medical specialist as well as any related authorized procedures such as MRI and CT scans. It also covers the cost of over 135 surgical procedures. Treatment will be arranged in Canada if available, or the USA.

This Insurance compliments our health care system by providing an insurance policy which allows policy holders to obtain professional and speedy medical services when long wait times are an issue.

MAI is an excellent benefit enhancement for managers and senior executives and would attract and retain employees in a competitive job marketplace.

MAI complies with all federal and provincial regulations. It assists in helping many Canadians and their families obtain timely treatment for a covered medical condition.

Highlights

No medical exam
No deductibles or co-payments
Specialist consultation within 21 days
$1,000,000 lifetime coverage
Qualified second opinion
Pre-existing conditions covered after 24 months.
Over 135 conditions covered including: MRI and CT scans, heart bypass, bone and joint replacement, arthroscopic procedures, endoscopic procedures, prostate surgery, hernia, slipped disc, cataracts, angiography, angioplasty, heart valve repair.

3. Traditional Group Insurance

IBS has been appointed one of an exclusive group of preferred partners throughout BC of one of Canada's largest benefit administrators, WestPro Benefit Systems. We will deliver great pricing and unparalleled local service. We have a full range of benefits and fully consolidated billing administration that includes BC's provincial MSP and Fair Pharmacare. We offer choices and options which can be tailored for each client and every employee group within your company.
With no ties no any one insurer, we are able to provide your company with the most competitive quote in the industry.

The GroupPlus Plan includes:

Life Insurance
Accidental Death & Dismemberment
Short Term Disability
Long Term Disability
Critical Illness
Extended Health Care Plan
Dental Plan
Optional Increase in Life Coverage
Optional Increase in AD&D Coverage

Things to Consider:

1. The Importance of underwriting

GroupPLUS™ is custom designed by consultants who specialize in small and medium size businesses.
Integrated Benefit Solutions is part of an exclusive network of brokers.
You gain the benefits of pooling and the advantage of lower costs through economies of scale.

2. Streamlined Administration

One-time enrolment - any future change of carriers will be seamless and transparent to your staff.
Fully consolidated billing statement including MSP.
Employee booklets and detailed wallet cards available both in hardcopy and online.

3. Benefit Cost Savings - Short and Long Term

Immediate savings
Strategic cost containment strategies not available anywhere else, including disability claims management and direct communication to your employees to make them wiser consumers of health services.

4. Online Services

WEBS online™ enables client administrators to do all administration online, including MSP, without accepting any liability for errors.

IBS's partnership with Westpro brings administrative services to smaller companies and organizations that previously were only available to very large employers.

Online systems enable your bookkeeper, office manager or financial officer to look after your conventional group benefits quickly and easily. Better yet, it does it without liability to you as an employer and without additional costs. You can stay with your traditional methods if that is what you are comfortable with or you can go online - either way without additional costs.

And the best news yet: this system incorporates MSP administration so that your staff has one monthly billing statement, one place to report for changes, one place to confirm coverage, one place to go for help. It's never been easier.