A POOL THAT WORKS

Do you have a business with 5 to 49 employees? Be part of the ELITE!
Since 2017, ELITE 5-49 has enabled many companies with 5 to 49 employees to pool their group benefits coverage. This arrangement, designed by AGA experts based on market trends, can help stabilize costs.
How does it work? By combining their experience with an insurer, companies share the risk and control their plan costs over the long term by joining a pool. Each company can still customize its own plan with additional protections. If you’re an SME, getting cost-competitive insurance coverage for your employees has never been easier!
ELITE 5-49: innovative and competitive
Here are all the ways that you and your employees can benefit from having ELITE 5-49:
- Access to competitive benefits to help with employee attraction and retention
- Economies of scale thanks to greater purchasing power with insurers
- Stability for future renewals
- Complete plan administration by AGA with AGA +PLUS service
- Pay Direct Card and electronic claims submission for professionals registered for online payment with TELUS Health
- User-friendly members portal: web-based claim requests, coverage details, etc.

ELITE 5-49 coverage is...
- Typical components of a group benefits plan: health care, including drugs, paramedical care, eye exams, other medical expenses and travel insurance, dental care, short- and long-term disability insurance, life insurance and accidental death and dismemberment (AD&D) insurance for the employee and their dependents
- NEW! An exclusive discount on Peace of Mind coverage from Flight Claim, to help plan members assert their rights with airlines in the event of a flight delay
- NEW! Access to AGA’s Exclusive Benefits for Members in the form of competitive rates on products and services related to physical, mental and financial health that your employees can benefit from
...and more!
Each employer can also choose to add – or not – various optional coverages to the package, at an appropriate price:
- Virtual clinic
- Employee and Family Assistance Program (EFAP)
- Other complementary products: employee discount programs, substance use management support, etc.
- Our Health Spending Account or Cost Plus Program, for greater flexibility
A cost control promise
To ensure the viability of the pool and the stability of future renewals, AGA applies best cost management practices, including automatic generic substitution, prior authorization for drugs and pharmacogenetic testing for disability cases, on a voluntary basis. The results:
- Sustainable drug cost reduction.
- Greater stability for future renewals.
- Better understanding of the plan by members.
It's a win-win situation for you and your employees and for all employers in the ELITE 5-49 pool!
Good to know
- The groups that are part of ELITE 5-49 are carefully selected in accordance with strict eligibility criteria and become jointly responsible for the experience data and development of the products and services offered in the pool.
- Do you have a smaller or larger group, or would you prefer a fully customized plan? See our other group benefits products and learn more about our flexible retirement plan options.
Ready to be part of the ELITE? Contact us today to find out more about ELITE 5-49 or to ask for a quote to join the pool's satisfied employers!