Health and dental for employees is one of the most valued benefits you can offer. When your team gets sick or needs care, good coverage looks after them and their families. As trusted advisors in Ontario, Quebec, Nova Scotia, New Brunswick, and Alberta, Nova Star Insurance Consultant Inc. offers affordable, flexible health, dental, and life plans for businesses of all sizes. We work closely with owners to design packages that attract and keep the people you want.
Buying in bulk saves money, and insurance works the same way. When employees join one group plan, they get coverage at a lower cost than they would pay on their own.
Provincial plans cover doctor visits and hospital stays. However, they leave out most prescription drugs, dental care, vision, and paramedical services for working-age adults. A group plan fills those gaps. For background on public coverage, see the Government of Canada’s overview of Canada’s health care system.
Our advisors design cost-effective plans that suit your business while helping you manage costs. Options include:
Group life insurance pays a lump sum to an employee’s family if they pass away. For many years, our team has helped business owners in Ontario, Quebec, Nova Scotia, New Brunswick, and Alberta protect their employees this way. First, we assess your needs. Then, we build an affordable package customized to your business.
Even a business with just a few employees can offer health and dental coverage. Alternatively, a health spending account lets you reimburse employees’ medical and dental costs in a tax-efficient way. Moreover, employees who leave can often convert to an individual plan without health questions if they apply quickly. We’ll help you choose the approach that fits your team and budget.
Permanent protection with tax-sheltered growth potential.
The most cost-effective choice. Rates and coverage are guaranteed for the term, such as 10 or 20 years. In addition, many policies can convert to whole life or universal life later.
Lifetime protection with guaranteed level premiums and death benefit. Some policies also build cash value.
Ask a Nova Star advisor about other group options, such as optional life coverage that employees can buy for themselves or their spouse.
Employees join one group policy, so the business gets lower rates than individuals would. The employer and employees can share the premium. As a result, everyone gets valuable coverage at a manageable cost.
Group life insurance gives employees’ families a lump sum if the employee dies. It can help with funeral costs, debts, and living expenses. In addition, it shows your team that you value them, which helps you attract and keep good people.
Plans typically cover prescription drugs, dental cleanings and treatment, eye exams and glasses, and paramedical services like physiotherapy or massage therapy. They can also include travel medical coverage. In short, they cover the care that provincial plans don’t.
Yes. We design custom health, dental, and life packages for small, medium, and large businesses. Our specialists work with you to match the plan to your goals and budget.
At Nova Star, you get attentive service and close attention to detail. Our employee benefits team makes it simple to choose a package tailored to your business. Call or email us with any questions, and we’ll get back to you within one business day.
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