Group Insurance and Benefits Plans

Get The Right Insurance Benefits For Your Business

Let us help you tailor a group benefits insurance plan that meets the needs of your employees, as well as your management team and organization.

Employers that offer group benefits have an advantage when hiring: many job seekers value the convenience and benefit of extended health insurance with medical and dental coverage. Group health insurance builds on (and fills the gaps) in health care provided by Ontario. Offering a group benefits insurance plan gives your business an edge.

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Huronia has helped hundreds of organizations build group benefits insurance plans that work within their budget and requirements. We can do the same for your business. The three key things you need to consider include:

  1. Group Health Insurance Inclusions
  2. Group Health Insurance Deductibles
  3. Group Health Insurance Costs

Group Health Insurance Inclusions

Insurance and extended medical plans are customized for specific groups and coverage will vary based on budget, needs, and specific requirements. Here are some of the medical benefits and inclusions that are common in a group benefits insurance plan:

  • Professional/ Medical Services
    These include massage therapists, counsellors, psychologists, physiotherapists, chiropractors, speech therapists, acupuncturists, naturopaths, dieticians, audiologists, occupational therapists, and podiatrists.
  • Medical Equipment
    These may include among others, casts, splints, crutches, wheelchairs, orthotics, orthopaedic shoes, prosthetics, hearing aids, and diabetic supplies.
  • Hospital Stay Coverage
  • Medical Travel Assistance
  • Ambulance Transportation by Air or Ground
  • Emergency Medical Coverage for out of province or out of country coverage
  • Vision Care including eye exams, glasses, contact lenses, and some corrective surgeries
  • Extended Dental Coverage
  • Prescription Drug Coverage
  • Disability
  • Life And Critical Illness Insurance
  • Trip And Travel Insurance

Learn more about What Ontario Employers Should Know about employee benefits.

Group Benefits Insurance Deductibles

An insurance deductible is the amount a person must pay before insurance benefits kick in. Often, group benefits deductibles are on an annual basis and are based on individual or family use. There may be separate deductibles by benefit. For example, dental benefits may have a deductible, while a physiotherapist benefit may have its own unique deductible.

When creating a group benefits insurance plan, discuss deductibles with your insurance representative.

Group Benefits Cost

Businesses often wrongly assume that they will have to bear the full cost of the group benefits program. Because of this, many businesses fail to offer the option to their employees. The reality is that businesses have the choice as to how much of the benefits program they wish to cover. The following cost options are the most common:

Employer Pays for Benefits – Some employers take on the cost of group health insurance for their employees and include this as a benefit in their contract and wage negotiations.

Employee Pays for Benefits – Even if the employer does not cover any of the cost of the insurance, there is still a benefit for an employee to sign up. The employer will deduct the cost of the benefits plan through payroll deductions, which provide ease of use for the employee. In addition, these types of group benefits are often better and more inclusive than what an employee could purchase on their own.

The Employee and Employer Split the Group Benefits Insurance Cost – Some businesses offer to cover a portion of the total cost while the employee pays the rest through payroll deductions. Other employers will pay for some coverages and then offer additional coverages at the employee’s expense.

What Are Your Group Insurance Requirements?

Let’s discuss the insurance options that would work best for your group or business. Our group benefits insurance plans are fully customizable. Let us create an insurance plan with the inclusions your employees will value. We can also help you consider the appropriate deduction amounts and the overall cost of the benefits package.

At Huronia Insurance, you will have an insurance broker dedicated to your business. We’d love to connect you with one of our skilled and experienced insurance brokers to help you build a group insurance plan that works for you. To help you better understand your options, please call Huronia Insurance Group in Barrie Ontario toll free at 1-866-955-8386.

About Huronia Insurance

Heading into our fourth decade, Huronia Insurance Group is proud to be servicing the business insurance and group benefits insurance needs of Ontario businesses and their employees. We serve clients across southern Ontario, from Barrie to the Greater Toronto Area.

To inquire about obtaining a group benefits insurance plan for your employees, please contact our Huronia insurance brokers in Barrie at 1-866-955-8386 or send us an email. We look forward to serving you!

You can also reach our Huronia Insurance brokers through our online contact form.


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