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Small Business Health Insurance

Choose from multiple coverage options in two minutes or less.

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. Tell us about your family. Who needs coverage?

*Note: children are defined as under 21, living in the same household as their parents.

. Insurance rates vary based on your province or territory of residence. Where do you live?

. What kind of coverage are you interested in learning more about?

. Are you interested in semi-private or private hospital accomodations?

. How about benefits through your workplace? Do any of the following apply?

. To provide an accurate quote, we need a ballpark on your age. Are you:

. Are you (or anyone in your family) currently taking any prescription medications?

. How many medications are you or your family currently taking?

. Are you willing to accept an exclusion for the prescription drugs you’re currently taking?

. Would you like us to email a copy of this free, no-obligation quote to you?

Yes, please!

. This is what we know about you. Is all of the information correct?

Coverage for:
You live in:
You'd like to learn about:
Hospital accomodations:
Benefits through workspace:
You are years old
Any prescription medications?
How many medications?
Willing to accept an exclusion?
Get email copy?

Health Insurance Plans for Small Businesses

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.

Special Benefits offers you access to many health insurance products. Our relationships with leading carriers means we can provide the right health insurance plan for your unique specifications.

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.

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 over 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 8:45 a.m. and 4:45 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.
  • Competitive Rates: Working with an array of insurance providers means that we’re able to offer you comprehensive coverage at a rate that works with your needs and your budget.

We offer some of the most cost-effective health insurance plans on the market with Green Shield Canada’s Prism insurance programs.

Through Green Shield Canada, 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.



Learn About Prism


Learn About Prism Spectra


Learn About Prism Precision


Learn About Prism Continuum


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

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

Prism Continuum

  • Coverage is guaranteed if you apply within 90 days of losing your group health insurance
  • 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

Please click on each Prism® tab below to see the different plan details and rates

Prism Spectra ®
Prism Precision ®
Prism Continuum ®
The Prism Spectra program is another option if you are leaving a company group plan or don’t currently have health and dental coverage in place and are looking for comprehensive coverage complemented by high benefit maximums.
The Prism Precision program may be right for you if you are looking for a practical alternative for basic coverage for services and treatments that are no longer covered by the government. No medical questionnaire required and coverage is guaranteed, even for pre-existing conditions.
The Prism Continuum program may be your best solution if you, your spouse, or your dependents are losing, or have lost your company group health benefits within the last 90 days and are looking for guaranteed coverage even with pre- existing conditions.


We also offer the Manulife Flexcare and FollowMe and Association plans that provide add-on options that tailor your small business health insurance programs to the highly unique and specialized needs of your company. It’s an affordable accommodating way to purchase only the insurance you need.

Should you choose to make your selection from the Manulife suite of products, the following features await you:

Manulife Flexcare®

  • Seven different health and dental plans
  • Three guaranteed-issue options to choose from
  • Add-on benefits to create a customized small business health insurance plan

Manulife FollowMe®

  • Four guaranteed issue plans designed to “bridge the gap” for those leaving a group plan
  • Uninterrupted coverage
  • Guaranteed acceptance when you apply within 60 days of leaving a group plan

Manulife Association®

  • Four Association Health and Dental plans to choose from
  • Increasing levels of coverage for prescription drugs, dental care, vision care, hospital coverage, Extended Health Care, Accidental Death and Dismemberment and travel.
  • Available to individuals looking for supplemental health care coverage

Please click on each Manulife® tab below to see the different plan details and rates

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!

clients' testimonials

You have been a great in assisting us with this application, I would like to send along my compliments to you. Please pass along this message to your management team.  It certainly is nice to be able to talk directly to a person especially a person as nice as you.

Rick S

I’ve had the very real pleasure of working with the good people at Special Benefit Insurance Services (SBIS) for almost 2 decades. Their professionalism and commitment to high service standards, makes all the difference, when it comes to helping our mutual clients to be, simply and consistently, “very happy” customers.

Don M

Whether it’s travel insurance, individual health and dental insurance plans, or any of the other products in their portfolio, I know that I can vest my trust and confidence in SBIS, because our clients will be well served and protected. SBIS has been and continues to be, a great partner to work with.

Don M

You have made my day! I don’t think I have ever received such good service from any company before. Thank you so much for sending those reports to me. I plan to submit the info to the government and maybe get a little refund. Every penny counts.

Judy S

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Get in Touch!

    We’re here to help

    If you have any questions, would like more information or need assistance selecting a plan, please do not hesitate to call us.

    Business hours

    Monday to Friday 8:45 a.m. – 4:45 p.m. Eastern Time

    Head Office:
    Special Benefits Insurance Services
    366 Bay St, 7th Floor, Toronto, ON, M5H 4B2

    North East Branch:
    Special Benefits Insurance Services
    3091 Chandler Dr, Port Perry, ON, L9L 1B6