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What is AccertaChoice?
AccertaChoice
is a simple, cost-effective alternative
to traditional health and dental
insurance. With AccertaChoice the
Small Business Owner has total control
over benefit costs, and employees
have “no hassle” payment for the
treatment they need.
How does
AccertaChoice Work?
With an AccertaChoice Healthcare
Plan you can custom design a plan
that meets your company’s needs
and budget... whether you work by
yourself or employ dozens of employees.
You decide
how much you want to set aside for
health and dental coverage. 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!
Who Qualifies?
Virtually
any company can qualify, regardless
of size. And, there are
no medical exams or applications
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:
-
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.
-
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.
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 Plans. 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.
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.
“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.
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.
"Sample
Case Scenarios". |
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