You
decide how much you want to set aside
for health and dental coverage. We
design an AccertaChoice plan that
delivers the maximum benefit to each
employee within that overall limit.
The plan operates like a series of
Health Spending Accounts that we administer
for each employee. When an employee
goes to the dentist, buys new glasses
or visits a massage therapist, Accerta
processes the claim and reimburses
the employee to his or her individual
coverage limit. It’s that simple!
3. Who Qualifies?
Virtually any company
can qualify, regardless of size. And
there are no medical exams needed
– anyone can be covered! AccertaChoice
is an employment benefit. It is not
available to individuals unless it
is purchased by their employer.
AccertaChoice can be tailored to
a wide range of customer needs. Here
are two examples:
1)
An incorporated high-net worth
individual considering thousands
of dollars worth of dental treatment:
With AccertaChoice, the individual
can structure a plan that will pay
for this treatment and obtain an
income tax deduction for the cost.
The result: the
full treatment is paid for with before-tax
dollars, a significant cost advantage.
2)
A small business with five
employees looking to provide a basic
level of coverage for its employees
and dependents: They can set up
a plan providing $1000 of annual
benefits per member.
The result:
a valuable contribution to employee
health that will help you attract
and retain your most important asset
– your employees.
4. What is Covered?
The main types of
treatment covered are dental, extended
healthcare, prescription drugs and
vision. AccertaChoice can fund treatment
options that most plans won’t. Virtually
any treatment prescribed or provided
by a licensed health care practitioner
is eligible. The only limitation is
that the practitioner must be an eligible
provider under the Income Tax Act.
Some examples include basic health
and dental treatments such as dental
check-ups and cleaning, all prescription
drugs, the full range of paramedical
practitioners (chiropractors, massage
therapists, physiotherapists, etc.)
eyeglasses and contact lenses, and
many services and supplies not covered
under Provincial Health Plan. In addition,
the plan can be designed to cover
major treatment options such as restorative
and orthodontic dental treatment,
laser eye surgery, or cosmetic surgery.
5. You Only Pay for What
You Use
In a traditional
insurance plan you can pay thousands
of dollars for coverage that your
employees may not use. Excess payments
are kept by the insurance company
as profits. With AccertaChoice, you
only pay for the benefits you and
your employees receive. If there is
money left over at the end of the
year, as there usually is, it’s your
money, not ours. You get it back to
help pay for next year’s coverage
or to increase benefits.
6. “No Surprises” Commitment:
• No unexpected
annual rate increases! Because you
decide how much you want to spend.
Makes planning and cost control
simple.
• The payment you
get is the payment you expected!
With AccertaChoice, there are no
tricky exclusions or hidden limits.
Your AccertaChoice benefit payment
covers the treatment you receive.
So you get no surprises when you
open your AccertaChoice statement.
• No extra feed
hidden in the small print! Accerta
charges only a flat rate administration
fee, based on plan size. A small
one-time set-up fee applies to plans
with under ten employees.
7. Accerta’s Service Commitment
• We set up and
administer your plan in accordance
with all tax and regulatory requirements.
• We check and verify each claim
to ensure it is valid.
• We deliver fast, accurate, secure
and confidential service to you
and your employees.
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