10 Things You Should Know About Chambers Plan

The Chambers of Commerce Group Insurance Plan provides employee benefits to over 33,000 business owners in Canada. The Chambers Plan offers affordable and accessible benefits to businesses with as little as one employee. So, here are ten things you should know about the Chambers Plan!

  1. No Minimum Firm Size

    1. The Chambers Plan was introduced to protect small businesses of various sizes. The plan can offer coverage to home-based businesses and growing companies of up to 50 employees

  2. No Industry Restrictions

    1. All for-profit businesses are eligible to participate in the Chambers Plan as long as they are members of a participating Chamber of Commerce or Board or Trade

    2. The Chambers does not believe that your industry should determine your coverage, therefore they can provide the benefit plan that is best for the specific needs of your business and employees

  3. Guaranteed Approval

    1. Firms with as little as one or two employees can choose options with guaranteed coverage

    2. Businesses with five or more employees can choose extensive dental coverage

    3. Groups with ten or more employees can add children’s orthodontics

  4. Guaranteed Renewable

    1. Your business is guaranteed renewable coverage as long as you pay your premiums each month

    2. Chambers makes this easy by offering one automatic payment to renew your Chamber membership and Plan premium

  5. Rate Stability

    1. Claims are averaged over more than 30,000 companies, just like yours

    2. The Chambers uses a pooling concept on health and dental benefit claims

    3. Small fluctuations to a firm’s claims do not automatically factor into the rates giving firms a greater opportunity for rate stability over the long term

  6. Not-For-Profit

    1. Chambers Plan operates under the direction of the not-for-profit Chambers of Commerce Insurance Corporation of Canada

    2. All surpluses are put back into the plan, keeping your premiums low!

If you’re wondering how you can become a Chambers of Commerce Group Insurance Plan member, give us a call! We can help you determine the plan that is best for you.

5 Reasons to Get A Massage

5 Reasons to Go for A Massage

Did you know that massage is covered under most benefit programs, allowing you to claim a portion or the entire cost of massage service? It appears most people think of massage as a treat to themselves, but it can be a really great way to maintain your overall health, decrease muscle pain, improve your athletic performance, and assist in reducing pain caused by arthritis and/or other illnesses.

1.      Stress Relief

Massage can provide you with 30-90 minutes of relaxation, taking you away from your every day stresses and allowing you to clear your mind of any bothersome thoughts.

2.      Reduce Anxiety

Alongside stress management, massage can help to reduce anxiety by enforcing relaxation. Many people experience anxiety throughout the week as they find a way to manage work place stressors and other personal concerns.

3. Decrease Migraine Frequency

Do you experience severe headaches and/or migraines? Massage can help to relax your muscles and decrease the frequency in which you experience migraines.

4.      Reduce Muscle Tension

Parallel to reducing headaches, massage therapists can help to relax the other muscles in your body that might be causing you pain or discomfort. Your massage therapist can work on specific muscle groups to release tension throughout your body.

5.      Enhance Exercise Performance

Massage can help to increase your range of motion, therefore enhancing your exercise performance. If you have tight muscles at the gym, you’re at greater risk for injury and you likely won’t be able to complete your exercises properly.

 

For more information about the benefits of massage, read the full article here.

If you’d like to learn about claiming your massage or you wish to know more about your coverage, please contact our office.

Hints for Navigating Your Healthcare Plan

It can be easy to forget about keeping our office up to date on changes to your health care plan, but we want to make sure you get the most of your benefits. Here are some tips to help you navigate your Group Benefit Plan: 

  • You have 30 days to notify your plan administrator if you experience any life changes that will affect your coverage (marriage, birth of a baby, lost coverage through your spouse's plan, etc). If you miss the window of opportunity, there will be penalties/restrictions to your or your dependent's coverage. 
  • Your plan covers up to the cost of both brand name and generic drugs that are listed on our national formulary. If you prefer to have the brand name option of a drug when there is a generic available, please ensure that your doctor writes "No Substitutions" on your prescription. This will ensure that you receive the maximum amount of coverage possible on the brand name drug. 
  • Ambulance transportation is covered by your plan. There is a $250 charge for "paramedical assessment" if you call an ambulance (or someone else calls an ambulance on your behalf) and you are nor transported anywhere. this charge is not covered by the plan, so whenever possible, please let the ambulance take you to a hospital so that you're not stuck with the paramedical assessment fee. 

Your employee book contains a brochure with information about our online site called my-benefits. You can use the site to submit claims, check to see how much room you have remaining for each service type, and your next eligible service date, print off new cards, check on the status of all of your submitted claims, and much more. 

 

If you need additional help, please call or email our office and we would be happy to assist you!