A better choice for both employer & employee:

 The enVia Benefits by Choice Program is a unique combination of a Health Spending Account (HSA) and a Registered Retirement Savings Program (RRSP) designed to provide employers with cost-controlled health, dental & other benefits, and employees with much greater flexibility in terms of what the funds can be spent on!

Key Features:

  • No annual inflationary increases - employer defines annual cost
  • No wasted premiums - unspent HSA amounts carry forward to 2nd year
  • Employee choice - direct contributions to Healthcare, RRSP or both - great for people who already have spousal coverage!
  • Operates like a Health & Dental Bank Account with 24/7 online access
  • Employees can now claim expenses not normally covered!
  • Includes MDM Pay-Direct Health Benefits Card
  • HSA includes Excess Medical Insurance to provide additional umbrella of critical illness protection (underwritten by the Western Life Assurance Company)
  • Everyone qualifies - no health evidence required for HSA (employees must work at least 20 hours per week)

 

RRSP option provides greater flexibility:

Employees who have adequate health and dental coverage through a spousal plan, or who enjoy good health and have few medical claims each year may choose to direct some or all of the employer contribution to an RRSP. A variety of investment options are available to the employee, and the amounts allocated to the RRSP vest immediately.

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Meanwhile, the employee decides how the available funds will be spent to meet his/her personal protection needs. This can mean directing all of the funds to a Health Spending Account or to an RRSP, or to a combination of both! Most importantly, employees can now claim expenses not normally covered by a traditional health & dental plan - things like Laser Eye Surgery, Orthodontia, Dental Implants and even the therapy costs for Autistic children, for example.

What can I claim?

The HSA opens up  a whole new world of claimable expenses not covered under traditional plans, all with 100% reimbursement and no deductibles or co-pays!

The enVia Benefits by Choice Program is a unique combination of a Health Spending Account (HSA) and a Registered Retirement Savings Program (RRSP) designed to provide employers with cost-controlled health, dental & other benefits, and employees with much greater flexibility in terms of what the funds can be spent on!

NEXT STEPS:

Setting up your enVia Benefits By Choice Program is quick & easy. You can start by downloading the Brochure & Application Kit, or simply Contact Us and we'll take care of everything...