Small Business Health Insurance

You can’t put a price on your health. However, health insurance for small businesses can make the cost of medical services more feasible and affordable.

With a small business health insurance plan from Special Benefits Insurance Services, you can:

• spend less time worrying about health care costs and more time managing your business
• conserve financial resources that could be better spent on building your business
• protect your business and employees from the financial burden of health care issues

Why Choose Special Benefits?
Choosing Special Benefits gives you access to some of the best insurance providers in the country. Being an independent broker, we offer products from leading insurance companies, such as Manulife and Blue Cross for those in Ontario. We also have an exclusive agreement to sell Green Shield Canada’s Prism^® insurance programs nationwide—some of the most cost-effective health insurance plans available.

Here are some other great reasons to choose Special Benefits to meet your small business health insurance needs:

• Experience: Special Benefits has been in the health and dental insurance industry for nearly 20 years, and we have the proven ability to satisfy the needs of our customers.
• Personalized Service: If you have questions, need more information or would like assistance choosing the plan that’s right for you and your small business, call us between 9:00 a.m. and 5:00 p.m. Eastern Time, and you will speak directly to one of our knowledgeable customer service representatives. We care enough to answer your call personally.
• Affordable Products: Green Shield is a not-for-profit insurance carrier, which means all the profits are reinvested to improve the product and services offered. This translates into better products and services and more affordable prices for you.

Small Business Health Insurance Plans

Special Benefits offers you access to many health insurance products. Our relationship with Green Shield Canada and other leading carriers means we can provide the right health insurance plan for your unique specifications. Through Green Shield, we offer Prism Spectra^®, Prism Precision^® and Prism Continuum^®. Each program features different coverage levels, so you can select the best option for your particular needs.

Here are highlights of the Prism^® programs:

Prism Spectra^®

• Ideal if you, your family and/or employees are in good health
• Allows you to maximize your health care coverage with the highest benefits
• Requires a medical questionnaire to qualify

Prism Precision^®

• Includes coverage for existing health issues
• Acceptance is guaranteed
• Does not require a medical exam

Prism Continuum^®

• Coverage is guaranteed if you apply within 60 days of losing your group health insurance
• Only open to those who are losing their company group benefits
• Offers comprehensive coverage, even for pre-existing conditions
• No age restriction to apply and benefits will not cease at a specific age as long as the premiums are paid

Enhance Your Provincial Plan with Small Business Health Insurance

Your provincial insurance plan may pay for medically-necessary care, but it doesn’t cover numerous other services that can threaten you or your employee’s health, ultimately affecting your company’s bottom line. For example, it doesn’t cover the cost of prescription drugs, dental care, routine eye exams, glasses, contact lenses, hearing aids and other medical items or equipment. It also won’t pay for certain preventive services and screening tests.

However, with our small business health insurance coverage, you can receive many of these services without having to pay out-of-pocket. This can leave you with more money in your budget to maintain and grow your business.

Learn more about the benefits of a small business health insurance plan. Contact Special Benefits for your free, no-obligation quote or information package now!