Flex plan style with 3 choices for coverage levels.

Each participant may select a plan that fits within their budget and desired coverage level.

All pre-existing conditions are covered immediately for Health and Dental Care with no medical information required.

Allows each participant to apply for additional Life and/ or Critical Illness coverage if they desire

Lower & sustainable long-term costs – due to larger scale of economies by combining member organizations

Comprehensive benefits plan, contractual terms and conditions

Benefit plan helps ensure members and dependents are adequately protected in the event of illness

Obtain coverage without the need to provide evidence of good health

Tax free benefits - eliminate the need for an individual to use after-tax income for medical and dental expenses

Benefits for eligible members will commence of the first of the month next following the application date or the month after. 

Coverage for full-time and part-time employees*

Coverage extends to age 70

Changing between plans (bronze, silver, gold) rules to be discussed and determined based on the level of participation