Chiropractic vs Massage Treatments

Are you amongst the many people who experience soreness and/or stiffness at the end of a long work day? Regardless of whether you have an active job that requires you to be on your feet, or a job that requires you to be sitting all day, our bodies can become tired and worn out by the end of the week.

Two of the best and most common forms of pain management for sore muscles and joints are chiropractic and massage treatments, which are generally covered under your group benefits program. Using your employee benefit program to cover the cost of treatment allows you to maintain your overall health and well-being with regular visits to your licensed chiropractor or registered massage therapist.

However, there is often confusion about which treatment is right for your needs. So how do we know which one is best? First things first, we should know the difference between the two practices:

Massage is aimed at solving muscular issues such as tension, spasms, or strained/pulled muscles. Massage therapy can also reach into your nervous system by helping fluids to move more freely throughout your body. While massage therapists cannot adjust your joints or prescribe medications, they can be a great source of holistic healing to relieve tension and make sure your body is performing at its full potential.

Unlike massage therapists, chiropractors are able to address the issues lying within your musculoskeletal and nervous systems. They can write prescriptions and provide rehabilitative exercises tailored to your specific needs. Chiropractic care is especially useful in helping with joint pain, headaches, insomnia, and neck or back pain.

To take your course of treatment one step further, you can combine the two practices to help with chronic pain. Massage therapy is a great way to warm up your body and ensure you are relaxed before going in for a chiropractic treatment; your chiropractic adjustment is more likely to last longer if your muscles are relaxed before. Similarly, your massage is likely to be more effective when your joints are properly aligned.

Both forms of treatment can bring relief to your body and help with your overall wellbeing, but we know they can be expensive when they are not covered by your insurance. If you have questions regarding coverage of these treatments, please talk to your plan administrator or call our office for the details of your extended health care coverage.

 

To read more about the benefits of chiropractic and massage treatments, please see this article.  

Submit Health and Dental Claims on Your Smart Phone

mobile app, itunes, google play

1. Download the mobile app in iTunes or Google Play. 

Chambers of Commerce Group Plan participants can submit most health and dental claims using a smartphone or tablet. Submitting claims electronically is a convenient way to have your claims processed quickly and easily, resulting in faster reimbursement. 

 
register your account

 

2. Enter your username and password. If you have not created an account, please visit the website to register. 

All plan members must first register online through the  www.my-benefits.ca.  You will need your firm and certificate number, which can either be found on your wallet cards or through your plan administrator. 

Once you have registered online, you can download the app and have immediate access to your plan information. 

You can even tell the app to save your ID cards and remember your username for easier sign-in purposes. 

 
Review your claims

3. Review your benefits

Upon sign in is a list of all of the employee benefits provided through your group plan. For a comprehensive explanation of each benefit, follow the purple arrow. This is a quick and easy way to review your coverage before booking health and dental appointments. 

If you have Extended Health and Dental coverage through your group plan, you can check your claims usage, next eligible service dates, remaining coverage, and a summary of previous claims. 

You are also able to access your prescription drug cards and all travel insurance information for out of province/out of country travel. 

 
Review your options

4. See recent claims, update personal banking information, or submit claims using the menu on the left hand side of the screen.

Further explore the details of your benefits by clicking on each of of the options in the menu.

View your recent claims, change your banking information, and submit new claims for faster reimbursement.  

 
Submit Claims

 

5. Submitting claims is easier and faster than ever when using the app

Fill out this form with the correct information and receive your automatic reimbursement much faster than manual claims submission. 

Select the family member who used the plan, the type of service, the date, and the amount charged. Upload a legible picture of your receipt and click submit!

 

If you'd like more information about the mobile app, or care to set up an in-person tutorial to learn the website and/or app, please contact our office. We are happy to walk you through the steps and help you make the most of your plan! 

Alberta Dental Fee Guide

A dental fee guide has been set to be released in 2017 following a number of complaints against sky-rocketing dental fees.

Alberta has been the only province since 1997 without a dental fee guide, allowing dental practitioners to charge increasing prices for their work. As seen in the graphic below, 62% of Albertans limit their dental visits due to high costs and 87% of Albertans agree that dental costs are far beyond reach. 

Although the fee guide will create a guideline, it might have a negative affect on people with dental plans. A Red Deer dentist suggested that insurance companies will use the fee guide as an opportunity to reimburse at a lower level, which will not be taken into consideration when creating the guide. 

To read the whole article, please click here

The Mental Health Stigma

As most Canadians know, yesterday was Bell Let's Talk day; a day that aims to raise awareness and end the stigma surrounding mental health conditions. 

Bell Let.png

We believe that mental health shouldn't only be a priority one day of the year, but rather a continuous conversation between employees and employers that takes place throughout the year. Your employees' mental health is equivalent to their physical well-being, and that's why your Chambers of Commerce Group Benefit Plan offers coverage for counselling services along with other extended health care benefits.

Each Chambers of Commerce Group Plan comes equipped with a Business Assistance Service; a program which offers up to three hours of professional counselling services at no extra charge to the employee. Your employee calls a toll-free number, has a confidential conversation about the issue he or she is facing, and is then referred for an in-person or over-the-phone meeting with a specialized counsellor. 

If the employee uses the full three hours of free service, he or she can continue to see the same counsellor using the coverage provided by the benefit plan, which will cover either a portion or the full amount of the appointment depending on the company's employee benefit program

To learn more about the Business Assistance Service, please click the button below or contact our office with any questions you might have. 

Health and Dental Care Revisions

The Chambers of Commerce Group Insurance Plan is implementing a 12-month pilot project beginning in January, 2017. 

strategy-1710763_1920.jpg

Currently, the Chambers Plan does not allow employees to claim services and/or treatments provided to them by their employer.

For example, a dental assistant cannot receive treatments from the dentist who he or she works alongside. 

The pilot project will revise this rule to allow employees to claim health or dental services provided to them by their respective employers. 

We hope that this rule allows for ease of access to health care providers and look forward to the positive changes this will bring to our Chambers Plan members. 

Learn more about your Health and Dental Benefits here.

Counselling Services for Owners and Employees

Did you know that the Chambers Plan provides counselling services for both business owners and their employees? 

Business Owners have up to 9 combined hours per year of the following services: 

  • Legal Advice - Practical interpretations of company, partnership, taxation and insolvency law. 
  • Accounting Advice - Helps management strengthen and gain control of the company's finances 
  • Human Resources - Solutions to terminations, labour laws, and other human resource issues. 

Employees have up to 3 combined hours per year for counselling services

  • If an employee's personal life is affecting his/her professional performance, company owners can help the employee to deal with the situation by referring him/her to a professionally trained counsellor 

The Business Assistance Service is a free service built in to each Chambers of Commerce Group Benefit Program. You and your employees will incur no out of pocket expense when using these services. 

Please call our office if you'd like more information on these services. 

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. 

Chambers of Commerce Group Dental & Health Insurance Enjoyed by 25,000 Canadian Businesses

Group Dental & Health Insurance Enjoyed by 25,000 Canadian Businesses

Chambers of Commerce Group Insurance Plan has been protecting Canadian firms for over 40 years. From Victoria to St. John's, over 25,000 small to medium-sized businesses use the Chambers Plan to protect their employees with comprehensive group benefits including dental and health insurance – making it Canada's #1 employee benefits plan for small business.

Thousands of small business owners join the Chambers Plan each year because it's the simple, stable, smart choice for their business: combining accessibility, flexible options and pooled benefits that add stability to their employee benefits.Firms stay with the Chambers Plan year after year because the Plan combines unsurpassed value with excellent customer service at the national and local levels.

Made For Small Business: Accessibility & Flexibility

Over 25,000 businesses purchase group benefits from the Chambers Plan. Comprehensive benefit packages apply to home-based businesses and small business firms – with no industry restrictions. For-profit businesses with three people and up are eligible for guaranteed coverage.

Flexible group plans are also available for larger firms with up to 35 employees. All plans start with employee life insurance. Your Chambers Plan advisor can help you select the right options for building as comprehensive a plan as you wish to meet your exact needs and fit your budget.