May 31 Affordable Dental Insurance Plans for Small Businesses

Since 2001, we have helped more than 1300 companies in Quebec and Canada find affordable group insurance. The average cost per person for these plans is only $636. With our tailor-made plans, you can offer a group dental insurance to your employees. And you can save up to 38% compared to usual rates.

Your Options for Affordable Dental Coverage

The Prism Spectra program is suitable if you are changing insurance or don't have one. It is perfect for a health coverage and dental. Prism Precision offers dental coverage complete without medical questionnaire. And if you've lost your company benefits recently, Prism Continuum offers coverage, even for past health issues.

Key Benefits

• 75% of companies with 2 to 100 employees offer some type of supplemental health insurance, while this percentage is 90% for companies with more than 100 people.¹
• Insurers are adapting, offering options to control costs without losing insurance quality.¹
• Choosing and subscribing to group plans online allows additional savings.¹
• With dedicated call centers and websites, insurance management is easier for employees. This reduces administrative costs for companies.¹
• AssuranceCollectiveEnLigne.ca compares offers from 14 financial institutions. This way, you get the best rates and protection for your SME.¹

Healthy Base Coverage

Our plans include everything you need, from prescription drugs à vision care. You will also find the physiotherapy and massage therapy.² This essential coverage reduces unplanned care costs.

Prescription drugs and vision care

You are covered for your medications and your eyes. This means less worry about costs. Whether to refill a prescription or for a check-up, our coverage supports you in staying in shape.

Physiotherapy and massage therapy

Our plans also include physiotherapy et massage therapy. These additional aids allow you to better manage pain, avoid injuries and be healthier.³

Dental coverage

Our dental insurance plans help you care for your employees' teeth. They cover routine care, major treatments and orthodontics. With our extensive coverage, everyone can keep a smile on their face.⁴

Fees for a dental cleaning range from $75 to $250.⁴ With Chambers Plan dental insurance, your employees are covered up to $1 per year.⁴ More than 30 businesses choose the Chambers of Commerce Plan for their group health and dental insurance.⁴ This insurance is affordable because the Plan is non-profit.⁴

To keep everyone smiling

Our insurance covers a wide range of dental care. It includes examinations, cleanings, and various treatments.⁴ Whether it's regular or extensive care, we support the dental health of your employees.⁴

We reimburse up to 60% of preventive care with a maximum of $500 per year for the basic plan.⁵ For the standard plan, it's 70% up to $750 per year.⁵ And for the enhanced plan, we reimburse 80%, up to $750 per year for preventive care and 50% for restoration, $500 per year.⁵ We also cover orthodontics at 60%, with a lifetime maximum of $1.⁵

Virtual care

Your employees have 24/7 access to⁶ virtual care thanks to our programs. They even include references to specialists and⁶ prescription delivery home. Thus, obtaining immediate care becomes easy, without traveling.

24/7 access to virtual care, including referrals to specialists and home delivery of prescriptions

Our solutions⁶ telemedecine provide very easy access to healthcare for your employees, wherever they are. Thanks to services like⁶ Ontario Telemedicine Network (OTN),⁶ Tia Health,⁶ Rocket Doctor,⁶ EQ Care and⁶ MD Connected, they can chat online with doctors and specialists. Additionally, they can have their medications delivered to their home. This makes healthcare easier and of high quality for them.

Our offers also include services of⁶ telephone assistance, completely free and confidential. Nurses are available 24/24 to answer health questions. This way, we ensure that your employees benefit from comprehensive care through our healthcare solutions. virtual care. These are an essential part of our benefits.

Mental health support

Your plan has a component Mental Health important. It offers access to counselors and therapy online. In addition, dietitians are available for you. One in five Canadians face problems of Mental Health. They represent a high cost each year. This is essential for the well-being of your teams.⁷

18% of people suffer from depression, anxiety or any other disorder. In terms of risks, almost half of workers are affected. Many require specific treatments for their Mental Health.⁷

Invest in Mental Health means winning economically. Typically, this returns more than $1,60 for every dollar wagered. Treatments for depression or anxiety generally require 8 to 20 consultations. Thus, it is vital to provide sufficient coverage.⁷

Employers offering a good psychological support see their team more fulfilled. The Wellbeing Program guides them to the necessary help. They can call 1 833 851-1363.⁸

Group dental insurance

Our plansgroup dental insurance help your employees take care of their teeth. It's comprehensive coverage at a good price⁴. The cost of a dental cleaning can range from $75 to $250. But with thedental insurance from the Chambers of Commerce Plan, they can get up to $1 of coverage per year⁴. Each year, more than 30 Canadian businesses choose our plan for well-being of their team⁴.

We adapt our plans to all business sizes and budgets⁵. For example, our basic plan reimburses 60% for preventive care up to $500 per year⁵. And our standard plan reimburses 70%, with a maximum of $750 per year on preventative care⁵. For more coverage, the enhanced plan reimburses 80% for preventative care and 50% for restorations⁵. It limits reimbursement to $750 and $500 per year respectively. For orthodontics, this plan covers 60% up to a lifetime maximum of $1⁵.

Let this be a basic coverage or specialized care, we have a solution for you⁹. Our plans also include benefits like reimbursements for acupuncture and physiotherapy⁹. Not forgetting coverage for hospitalization and travel⁹.

Give your employees a dental insurance complete that fits your budget⁹. Our plans cover eye care, hospital stays, and travel, for total health of your team⁹.

Boost for new parents

Our diets offer a special boost for new parents, developed in collaboration with the British Columbia Women's Health Foundation.¹⁰ Only Pacific Blue Cross increases psychology and health benefits physiotherapy for expecting parents and new parents, to support them during this important period.

From birth until age 18, a child must undergo 20 mandatory medical examinations.¹⁰ About more than a third of infants experience problems with gastroesophageal reflux.¹⁰ Postnatal perineal and abdominal rehabilitation is 100% covered by Health Insurance.¹⁰ A return home support service called PRADO is offered to mothers after childbirth.¹⁰

It is recommended to begin perineal rehabilitation approximately 6 weeks after delivery.¹⁰ The Gazouyi mobile application aims to inform parents about issues related to early childhood.¹⁰ Several health and early childhood professionals are available to support parents in first aid and the child's growth.¹⁰ Some mutual insurance companies cover infant osteopathy sessions.¹⁰

Women's health

Our benefit plans cover women's health. This includes HPV vaccines¹¹ and fertility drugs. We guarantee access to essential care for your employees.

HPV vaccinations and fertility drug coverage

We offer extensive coverage for HPV vaccines. This protects the health of your employees.¹¹ We also cover fertility drugs. Thus, those who wish can prepare for their pregnancy.¹¹

At Pacific Blue Cross, we understand the importance of women's health.¹¹ This is why our plans are tailor-made. They ensure that your employees receive the necessary care.¹¹

Thinking about offering employee benefits?

You may be wondering if offering social benefits for companies it's worth it. This helps you to attract and retain the best talent. And it supports the physical and mental health of your team.¹² In 2023, a WTW survey with 128 Canadian employers showed that 84% see the race for talent as key to their benefits.

We offer solutions tailored to your business and your budget. By deducting insurance premiums, you save money.¹³ Employee benefits make your employees more productive. They also feel more secure for their family. And they are more satisfied with their work.

¹² Group insurance is more expensive because of the Mental Health and expensive medications. These expenses could exceed half of claims costs by 2025.¹² In addition, in 2023, 63% of employers note that problems of Mental Health influence their choices of social benefits, compared to only 4% in 2021.

Our solutionssocial benefits for companies help to meet these challenges and keep your employees. Contact us for more information. We will help you find the best plan for your business.

Basic benefits

Our benefit plans offer a lot to your employees. They include important coverage for their health. This way, your employees can receive the care they need without having to pay a lot. Here is what our programs offer:

Health care

Our plans cover essential health care. This includes medical consultations and emergencies. Your employees receive the necessary treatments to stay healthy.⁴

Prescription drug coverage

The prescription drugs are also supported. Your employees can buy their medications without paying too much.⁴

Paramedical coverage

Physiotherapy and other paramedical services are included. This helps your employees stay fit.⁴

Dental care

Our plans include a dental insurance. Each employee can receive up to $1,500 of protection per year.⁴ Basic care such as exams and cleanings are also covered. They cost between $75 and $250 per visit.⁴

Vision Care

Coverage for vision care is also offered. This includes the ability to get glasses or have your eyesight checked at a lower cost.

Disability benefits

In the event of incapacity to work, our plans provide benefits. This helps your employees financially during their rest.

Life, serious illness and accident insurance

Protection for life, serious illness and accidents is integrated. This ensures that your employees and their families are protected.

Emergency medical care and travel assistance

Medical emergencies and travel assistance are also covered. Your employees feel more comfortable during their travels, whether personal or professional.

All of these benefits ensure that your employees receive the care they need. This maintains their health and well-being. These plans are also tailored to your business budget.

Specialized benefits

We offer more than the basic benefits. A variety of² Specialized services are available. This includes health spending accounts and plans for expatriates or newcomers to Canada. We also insure retirees and the self-employed. By offering these options, your employees receive protection that meets their specific needs.

With these specialized benefits, each of your employees will feel protected. No matter their situation, we have a tailor-made solution.¹⁴

Conclusion

Our group dental insurance plans are very affordable. They help you provide comprehensive coverage for your employees.¹⁵ You can choose either one basic coverage or more advanced services. We have everything you need.

It is important to invest in a group dental insurance. This helps keep your employees healthy. Your business will run better if your employees are doing well. Do not hesitate to contact. We'll talk about the best benefits for your team.

Pacific Blue Cross is here to guide you. We will search together to find the plan that suits you. Let's work together for the well-being of your business.

Source links

1. https://assurancecollectiveenligne.ca/assurance-collective-pour-petite-cie/
2. https://www.ccq.org/fr-CA/avantages-sociaux/medic-construction/assurance-dentaire
3. https://www.canada.ca/fr/secretariat-conseil-tresor/services/regimes-assurance/regime-soins-dentaires/regime-soins-dentaires-fonction-publique-coup-oeil.html
4. https://www.lecollectifdeschambres.ca/product/group-benefits/dental-coverage
5. https://www.sunlife.ca/fr/sante/assurance-sante-personnelle/assurance-dentaire/
6. https://www.equitable.ca/fr/nos-produits/assurance-collective/guide-daccès-aux-soins-de-santé-virtuels/
7. https://www.manuvie.ca/entreprises/nouvelles/assurance-collective/les-problemes-de-sante-mentale-ont-des-repercussions-sur-les-milieux-de-travail.html
8. https://www.aelies.ulaval.ca/services/assurance-collective-aseq/
9. https://www.desjardins.com/fr/assurances/sante-dentaire.html
10. https://www.choisir-ma-creche.com/jeunes-parents-vers-quels-professionnels-se-tourner/
11. https://www.sunlife.ca/workplace/fr/group-benefits/workplace-health-resources/health-insights/bright-paper-reports/womens-health/
12. https://www.lesaffaires.com/secteurs/general/statistique-canada-hausses-des-ventes-manufacturieres-et-de-gros-en-aout-dernier/644072
13. https://www.ccsc-cssge.ca/fr/centre-de-documentation-rh/inforh/compensation-benefits/avantages-sociaux
14. https://www.lecollectifdeschambres.ca/product
15. https://www.manuvie.ca/particuliers/assurance/nos-produits/assurance-maladie/soins-medicaux-et-dentaires.html