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Health & Dental

Extended health benefits help protect plan members' physical and mental health by helping to cover the costs of services not included in the provincial health plans. Benefit plans may include prescription drugs, major medical benefits, paramedical, and vision care. Empire Life health benefits also include access to a suite of value-added services: Mental Health Navigator and Teladoc Medical Experts to assist members in getting the help and support they need.

A key component to any benefits package is dental benefits, which assists plan members and their dependents in maintaining good oral health. Our flexible plan options for Dental coverage allows plan sponsors to design a plan that reflects their benefits philosophy and budget.

With the rapid innovation within the pharmaceutical industry, having an insurance carrier that understands the needs of small and medium-sized businesses by offering solutions to help keep plans affordable is of continued importance. Empire Life offers a suite of drug plan solutions that provide the right balance between cost management and flexibility.

Advances in medicine have brought many life-changing therapies to Canadians. While these new therapies can improve quality of life, many of these drugs are very expensive and put significant cost pressures on employee benefit plans. Empire Life's healthcare pooling helps protects benefit plans from the full impact of high-cost drug and health claims. We also offer unique pooling options—such as our $7,500 drug-only stop-loss that is specifically tailored to the needs of small and medium-sized businesses.

Our ASO options allow plan sponsors to self-insure their extended health and dental benefits. ASO is a great solution for businesses that are comfortable accepting higher risk levels in return for some cost savings. As a benefits carrier catering to small to medium-sized companies, Empire Life offers an ASO dental option to groups with as few as two insured lives and ASO for extended health benefits to groups with twenty or more insured lives.

Health Care Essentials provides coverage for the health care basics that could potentially have catastrophic costs for a plan member (drugs, private duty nursing, and travel). As an option, major medical benefits can also be included.

Cost Plus provides plan sponsors with a simple option to pay for a plan member's unforeseen medical costs that are not covered by the benefits plan.