What do we know about Dieticians?

It's hard to keep up with the latest food trends, the latest fad diets, and the latest health crazes, but what if we actually visited someone who could help us to better understand what we should be eating in a day?

We did some research to learn more about Dietitians and what they can really offer us. 

First and foremost, dietitians are registered nutrition experts who are trained to help us with our overall health and wellness. They are able to coach us through our daily diets and learn about lifestyle changes we can make to improve our eating habits; they help us to set goals and to follow through on them. Dietitians can help us to steer clear of the fad diets and to understand practical solutions to unhealthy eating habits, resulting in long term results and and overall improvement to our physical health. 

I think we all know how difficult it can be to understand the labels we find on our food; how is one ever supposed to fully understand a list of ingredients we can't even pronounce?! Luckily, registered dietitians can help us to read labels and fully understand what we should be getting from our foods. When we understand the labels we are given, it is much easier to stay on track and feed our bodies with proper nutrients. 

It's also important to realize that changing our diets doesn't necessarily mean we have to miss out on our favourite foods. Dietitians can help us to adapt our favourite recipes to better suit our diets, therefore keeping us healthy and happy! 

Registered Dietitians don't only work with clients one on one, they also work with families, communities, and professionals to develop healthy eating habits and to set reasonable health goals. They help patience who are in long term care, and they help hospitals, and nursing homes to maintain healthy menus for their residents. Further to that, Dietitians can work with corporations to develop a corporate wellness plan for you and your employees

As an added bonus, Registered Dietitians are covered under your Chambers of Commerce Group Insurance Plan! If you'd like to learn more about your coverage, contact us today. if you'd like to learn more about Dietitians, click here.

What do your employees really look for in a benefit plan?

There are many benefits to having an employee health and dental plan, but one of the main assets of a group plan is that it attracts and retains quality employees. 

As a company owner, you need to ask yourself which benefits would be of the most value to your employees. To make things easier for you we found an article that lists prescription drug coverage, dental care, and vision care as the most important qualities of a group benefit program.  

We can help you to find a plan tailored specially to the needs of your company and your employees. We can work within your budget, help you with prescription drug care maximums based on requirements, and can help you choose dental coverage to suit your employees. Further to that, we can discuss extended health care options, including vision coverage, that will improve your employees' quality of life. 

After implementing a plan, we can help you set your employees up with an easy-to-use mobile app to submit claims, see claims history, and register for direct deposit for claims reimbursement. Your employees can keep up to date on their coverage maximums, plan usage, and other pertinent information without the help of a third party. if they have questions about the mobile app or about their benefit plan, they can call our office directly and we can direct them while maintaining confidentiality standards. 

Similar to the mobile employee app, we can offer online plan administration, which allows you to make changes to and review all of the details of your group plan. Plan administrators can log on to the website to see taxable benefit information, billing statements, and a summary of your employee benefit program. They can also add or delete employees or make changes to a current employee if he/she experiences a life changing event, such as the birth of a new baby or entering a new marriage. 

We'd love to help create a better quality of life for your employees, so call us today for a quote or further information on the types of plans we can offer. 

 

To see the full article, please click here

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. 

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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. 

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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.

Frequently Asked Questions about Dental Plans

It is important to ask your dentist to send in a pre-authorization or estimate to the Chambers Plan before you proceed with any unknown or expensive dental work. 

Some dental clinics will make you pay 100% of the cost upfront and some will allow you to pay the difference at the counter. The dentist's office will generally ask you to leave a credit card on file and they will collect payment from The Chambers of Commerce Group Plan. For example, if you have 80% coverage on your plan, they will ask for a 20% deposit after your visit. 

Be sure to show the dentist your wallet card, it has the direct billing information they need to get you and your family set up for electronic claims submission. 

Carefully review your dental claim form before signing it to ensure all of the information is correct. 

Dental Fees and Fee Guides: 

  • Did you ask upfront what the dentist charges for routine procedures so you can compare to other dentists in your area? 
  • Keep in mind that the treatment plan proposed by your dentist and your decision to proceed with the recommended work should not be based on the amount of insurance coverage your have. However, you should know in advance exactly how much your plan will reimburse you and what you will have to pay out of your own pocket. 
  • Ask your dentist how much they charge and how much will be covered by your insurance plan! 

What is Critical Illness Coverage?

There are often a number of financial stresses associated with surviving a health crisis; loss of wages, travel to and from medical treatments, and home modifications can greatly increase your cost of living as you deal with your illness. 

Critical illness insurance is designed to ease financial pressures by paying a tax-free lump sum if you become seriously ill. The chambers of Commerce Group Insurance Plan can pay up to $50,000 for employees and/or spouses who receive a diagnoses of a serious condition. This payment can be used however the plan member decides; there are no restrictions placed on how the money is used. 

 

Some of the illnesses covered by the Chambers Critical Illness plan include: 

  • Cancer 
  • Heart attack
  • Parkinson's Disease
  • Multiple Sclerosis
  • Major Burns
  • Coma 
  • Speech loss
  • Stroke
  • Kidney Failure 
  • Paralysis 

 

To learn more about Critical Illness insurance, please visit the Chambers of Commerce Website: