Custom Benefits Plans

Choose from a comprehensive selection of benefits designed to provide sustainable coverage for medium to large-sized employers.

Extended Health

Includes coverage in Canada for:

  • accidental dental
  • ambulance
  • semi-private or private hospital room
  • diabetic supplies and equipment
  • hearing aids
  • medical supplies and equipment
  • orthopaedic shoes
  • ostomy supplies
  • practitioners such as physiotherapists, psychologists, chiropractors, speech therapists
  • oxygen and oxygen equipment rental
  • private-duty nursing
  • prosthetic appliances, etc.


  • Basic Dental Services includes cleanings, checkups, extractions, fillings, denture repair, root canals and gum treatment
  • Major Dental Services includes bridges, crowns and dentures
  • Orthodontic Services includes prevention or correction of irregularities of the natural teeth, for eligible dependent children
  • Electronic filing, if available through your Dentist


Benefits include:

  • Travel Assistance for emergency medical situations outside Saskatchewan to ensure quality care. Assistance is available 24 hours a day, 365 days a year
  • Ambulance services
  • Dental services
  • Hospital accommodation
  • Meals and accommodation
  • Medical appliances
  • Physicians, surgeons and other practitioners
  • Nursing services
  • Prescription drugs
  • Referrals outside of Canada
  • Return home as a result of illness
  • Repatriation
  • Transportation to visit the Insured

Prescription Drugs

  • Benefits include prescribed Saskatchewan Prescription Drug Plan Formulary drugs and/or non-Formulary drugs
  • Reimbursement options include Client Reimbursement Card or Pay Direct Card

Vision Care

  • Benefits include eye examinations, lenses, frames, contact lenses and/or visual training/remedial eye exercises

Life Insurance*

Benefits include:

  • Basic Term Insurance
  • Accidental Death & Dismemberment
  • Dependent Life (from 28 weeks gestation)
  • Optional Life Insurance for Employee or Employee and Spouse
  • Optional Accidental Death & Dismemberment for Employee or Employee and Spouse

Disability Insurance*

Helps replace income lost due to illness or injury.

  • Short-term Disability Insurance provides weekly benefits for up to 6 months
  • Long-term Disability Insurance (LTD) provides monthly benefits for disabilities lasting 4 months or longer
  • Top-up Coverage may be purchased by eligible employees to enhance an employer's disability coverage
  • Learn more

Employee Family Assistance Program (EFAP)

  • Provides support for personal and workplace challenges including efforts to improve well-being or better balance of work and personal life, preventative counseling and conflict resolution


Critical Illness*

  • Provides a lump sum cash payment to help with the financial impact of an unexpected critical illness

Spending Accounts

  • Available to complement a group benefits plan or as stand-alone products
  • Funded with pre-tax dollars through employer contributions
  • Health Spending Accounts provide reimbursement for any medical expense that meets the eligibility criteria of the Canada Revenue Agency
  • Wellness Spending Accounts support well-being in eight different categories; reimbursement is considered taxable to the employee

Second Opinion®

  • Provides consultation service to confirm diagnosis and treatment plan when faced with a serious medical condition. 
  • A team of specialists reviews every aspect of the case and provides a detailed written report.

Cost Plus

  • Health Reimbursement Plan

*Life, Disability and Critical Illness benefits are underwritten by Blue Cross Life Insurance of Canada.*