Plan Administration

Flexibility and Simplicity for Employers in Group Insurance: Julie’s Story

Published by
Oct 6, 2026 5:24 PM
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Image blogue TPA Julie oct 2026

Julie has just started at her company as the benefits manager. She’s told that it’s been quite a while since any changes were made to the group insurance plan, and that one of her projects will be to review the entire plan. She needs to consider the employees’ needs, keep the company’s budget in mind, and also avoid making things too complicated from an administrative standpoint—all at the same time.

She knows this is a major undertaking; she’s been through it before. She’ll have to sort through the offers from insurance companies, figure out what’s included and what’s not in the costs, and so on. She also knows that her company has big ambitions and is likely to hire a significant number of new employees in the coming years. Her needs may be different in two or three years. She’d like to keep the flexibility to assess whether her insurer will still be the right fit by then, but she knows how demanding these kinds of transitions can be: re-enrolling all her employees, issuing new documents, filling out the paperwork all over again…

Finally, Julie’s bosses also told her that they expect her to always be on the lookout for the best prices and service from her suppliers. She agrees in principle, but again, she knows that switching insurers involves a lot of work.

In an ideal world, Julie would like to maintain as much flexibility as possible.

Do you recognize yourself in Julie’s story? You are not alone. Yet there are other options, and thousands of Canadian businesses have already discovered them: working with a third-party administrator/third-party payor (TPA/TPP) such as AGA.

A TPA/TPP? What Exactly Is That?

In the group insurance industry, the terms TPA and TPP refer to the use of an independent third party, rather than the insurer, to administer a benefits plan. This includes premium billing, member data management (enrolments, terminations and record changes), claims payment and customer service. As a result, the TPA becomes the primary point of contact for both plan members and plan administrators, even if insurers change over time, ensuring valuable service continuity for everyone involved.

AGA is one of Canada’s leading TPA/TPPs. Through our AGA +PLUS service, we offer a solution designed to meet the needs of employers of every size and in every industry.

With AGA +PLUS, you benefit from greater flexibility, stronger cost stability and an improved experience for both you and your employees. How do we make that happen?

  • The best option for every type of coverage: AGA evaluates which insurer is best suited for each desired coverage instead of automatically placing all coverages with a single provider. This gives you access to the strongest offering in each category, rather than having to compromise.

  • A single point of access for your employees: As a trusted partner of Canada’s leading insurers, we can administer group insurance plans and process claims on their behalf. Members benefit from a modern technology platform for submitting claims, as well as access to a call centre staffed by real people, here in Canada, ready to help when questions arise.

  • Make changes without changing everything: By appointing a third-party administrator for your plan, switching insurers becomes straightforward whenever necessary, helping you maintain competitive pricing. Even when changes are made, nothing changes for your employees: they continue dealing with AGA for online claims, direct payment cards and communications, making the transition seamless.

  • We are always looking for ways to save you money: When AGA speaks, the market listens. Thanks to our significant purchasing power with insurers, we are able to negotiate highly competitive rates.

  • One consolidated invoice: No matter how many insurers and providers are involved in your group benefits plan, everything is combined into a single invoice from AGA, simplifying administration and accounting.

  • Advice tailored to your reality: AGA acts as an administrator, broker, and consultant. This allows us to go beyond the scope of a typical TPA: we can quickly and effectively analyze what’s happening within your group—such as claim types, overutilized and underutilized benefits, and more—based on trends derived from the claims we pay. This enables us to recommend targeted cost-saving measures tailored to your company’s specific situation.


Our clients appreciate the cost predictability offered by the AGA +PLUS model and the ability to keep the same trusted contact even when insurers change over time. In a recent satisfaction survey conducted during the implementation of new plans, respondents gave our advisors a score of 4.91 out of 5 for their personalized support. Transitioning to the AGA +PLUS model is simple and efficient: you are guided, reassured and supported every step of the way. Change and stability can therefore go hand in hand.

You can find out more about our TPA model at whyatpa.ca.
Louis-Philippe Péloquin, Director of Marketing and Communications
With a degree in journalism, Louis-Philippe Péloquin has over 25 years' experience in internal and external communications. In addition to working for consulting firms in the financial services and employee benefits fields, he has held senior communications positions with Canadian and international organizations. This diversified expertise gives him a holistic view of corporate issues and enables him to propose strategies that engage target audiences.
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Flexibility and Simplicity for Employers in Group Insurance: Julie’s Story

Image blogue TPA Julie oct 2026

Julie has just started at her company as the benefits manager. She’s told that it’s been quite a while since any changes were made to the group insurance plan, and that one of her projects will be to review the entire plan. She needs to consider the employees’ needs, keep the company’s budget in mind, and also avoid making things too complicated from an administrative standpoint—all at the same time.

She knows this is a major undertaking; she’s been through it before. She’ll have to sort through the offers from insurance companies, figure out what’s included and what’s not in the costs, and so on. She also knows that her company has big ambitions and is likely to hire a significant number of new employees in the coming years. Her needs may be different in two or three years. She’d like to keep the flexibility to assess whether her insurer will still be the right fit by then, but she knows how demanding these kinds of transitions can be: re-enrolling all her employees, issuing new documents, filling out the paperwork all over again…

Finally, Julie’s bosses also told her that they expect her to always be on the lookout for the best prices and service from her suppliers. She agrees in principle, but again, she knows that switching insurers involves a lot of work.

In an ideal world, Julie would like to maintain as much flexibility as possible.

Do you recognize yourself in Julie’s story? You are not alone. Yet there are other options, and thousands of Canadian businesses have already discovered them: working with a third-party administrator/third-party payor (TPA/TPP) such as AGA.

A TPA/TPP? What Exactly Is That?

In the group insurance industry, the terms TPA and TPP refer to the use of an independent third party, rather than the insurer, to administer a benefits plan. This includes premium billing, member data management (enrolments, terminations and record changes), claims payment and customer service. As a result, the TPA becomes the primary point of contact for both plan members and plan administrators, even if insurers change over time, ensuring valuable service continuity for everyone involved.

AGA is one of Canada’s leading TPA/TPPs. Through our AGA +PLUS service, we offer a solution designed to meet the needs of employers of every size and in every industry.

With AGA +PLUS, you benefit from greater flexibility, stronger cost stability and an improved experience for both you and your employees. How do we make that happen?

  • The best option for every type of coverage: AGA evaluates which insurer is best suited for each desired coverage instead of automatically placing all coverages with a single provider. This gives you access to the strongest offering in each category, rather than having to compromise.

  • A single point of access for your employees: As a trusted partner of Canada’s leading insurers, we can administer group insurance plans and process claims on their behalf. Members benefit from a modern technology platform for submitting claims, as well as access to a call centre staffed by real people, here in Canada, ready to help when questions arise.

  • Make changes without changing everything: By appointing a third-party administrator for your plan, switching insurers becomes straightforward whenever necessary, helping you maintain competitive pricing. Even when changes are made, nothing changes for your employees: they continue dealing with AGA for online claims, direct payment cards and communications, making the transition seamless.

  • We are always looking for ways to save you money: When AGA speaks, the market listens. Thanks to our significant purchasing power with insurers, we are able to negotiate highly competitive rates.

  • One consolidated invoice: No matter how many insurers and providers are involved in your group benefits plan, everything is combined into a single invoice from AGA, simplifying administration and accounting.

  • Advice tailored to your reality: AGA acts as an administrator, broker, and consultant. This allows us to go beyond the scope of a typical TPA: we can quickly and effectively analyze what’s happening within your group—such as claim types, overutilized and underutilized benefits, and more—based on trends derived from the claims we pay. This enables us to recommend targeted cost-saving measures tailored to your company’s specific situation.


Our clients appreciate the cost predictability offered by the AGA +PLUS model and the ability to keep the same trusted contact even when insurers change over time. In a recent satisfaction survey conducted during the implementation of new plans, respondents gave our advisors a score of 4.91 out of 5 for their personalized support. Transitioning to the AGA +PLUS model is simple and efficient: you are guided, reassured and supported every step of the way. Change and stability can therefore go hand in hand.

You can find out more about our TPA model at whyatpa.ca.