What Kind of Businesses use the Chambers of Commerce Group Plan?

Providing a group plan to your employees has been said to increase job satisfaction and employee retention, however many business owners worry about the cost of providing benefits for their employees. 

So what kind of business has access to an affordable group benefit plan through the Chambers of Commerce? 

Small Businesses

  • For-profit businesses with as few as one employee are eligible for coverage. Small firms with three employees or more are guaranteed coverage

Home-Based Businesses

  • The Chambers Plan provides flexible coverage the fills in any gaps left out by provincial health care coverage. 

Agricultural Businesses 

  • Year round coverage can be provided to those who are farming, or raising fish or livestock. 

The Chambers Plan is easily accessible and affordable to small businesses in Alberta - contact us today for more information or to receive a quote for your business! 

Coordinating Health and Dental Benefits

Coordinating benefits is common with health and dental plans; it allows employees and their dependants to make the most of their plans by combining benefits to receive 100% coverage on prescriptions and/or health and dental procedures. 

If an employee and his/her spouse both have coverage, the claims should go through the patient's plan first. Any expenses that are not covered by the patient's plan can then be submitted to the spouse's plan along with an explanation of benefits from the initial claim.

If the employee and his/her spouse have dependants, the claim goes through the plan of the parent whose birthday falls earlier in the calendar year, then to the other parent along with an explanation of benefits.  

When parents are divorced or separated, the dependant's claims should be submitted in this order: 

  1. The plan of the parent with custody 
  2. The spouse of the parent with custody 
  3. The parent who does not have custody
  4. The spouse of the parent who does not have custody

Coordinating benefits can help employees to save money on health and dental claims and ensure that they are receiving the most amount of coverage available to them.