EVOLUTION Modular Plan

A flex plan for evolving needs

How can you meet the varied and evolving needs of the different generations within your workforce? 

How can you provide flex benefits without getting tangled up in red tape? 

AGA Benefit Solutions has the answer!

Businesses are increasingly looking for group insurance plans that are both flexible and modular so that every employee get what they need, without adding to the cost and administrative burden.

The new EVOLUTION modular plan from AGA Benefit Solutions is a simple, technological and smart concept designed specifically to fit in with the current realities of the labour market.

What types of businesses can benefit from the EVOLUTION modular plan?

The EVOLUTION modular plan is intended for groups:

  • with 50 to 124 employees covered in health care;
  • insured for at least two years with the same carrier (without call for tenders);
  • with a favourable claim experience*.

Non-profit organizations and trucking companies are not eligible.

Some restrictions apply. Contact an AGA Advisor to validate your eligibility.

Evolving benefits for each employee

Through our insurance partners, the EVOLUTION modular plan provides for continued life insurance, accidental death and dismemberment (AD&D), and weekly and long-term disability coverage to protect the financial security of your employees.

With respect to health and dental care benefits, the Evolution modular plan offers three modules: Silver, Gold and Platinum. Each employee is free to select the module best suited to his/her needs; this selection may be changed over time, when a life event occurs or every two years during the re-enrolment period. 

Why is the EVOLUTION modular plan a wise choice?

  • More flexible selection of benefits for your employees
  • Premium reductions of up to 15% with a rate guarantee for up to 24 months
  • Simple and quick implementation with our powerful technological tools, especially for online enrolment
  • Communication tools allowing for easy and effective plan administration, such as an Administrator Guide and a Member Guide
  • Cost stability and economies of scale through a highly effective pooling approach

Other advantages for AGA Benefit Solutions clients

Modular benefit details

  SILVER GOLD PLATINUM
Health care
Deductible Nil
User fee $7  $5 $2
Reimbursement 70% 80% 90%
Drugs Regular list/mandatory generic substitution/pay direct
Hospital expenses

Semi-private room

Reimbursement at 100%

Travel insurance

Reimbursement at 100%

Maximum $5,000,000 per trip

Cancellation – Maximum $5,000 per trip

 

 

  SILVER GOLD PLATINUM
Paramedical
Speech therapist, audiologist, physiotherapist, chiropractor, podiatrist, osteopath, psychologist and social worker

$300/calendar year

combined maximum

$600/calendar year

combined maximum

$900/calendar year

combined maximum

Massage therapist, dietician, occupational therapist, orthotherapist, physical therapist, acupuncturist, homeopath and naturopath N/A

$300/calendar year

combined maximum

$600/calendar year

combined maximum

 

  SILVER GOLD PLATINUM
Vision care Reimbursement at 100%
  • Eye exam
$100/24 months (12 months for persons under 18)
  • Eyeglasses and contact lenses
N/A

$200/24 months

$400/24 months

Other expensess (e.g.: glucometer, brace, nurse, therapeutic device, etc.)

 

Covered (maximums vary)

 

Preventive vaccines $100/calendar year

  SILVER GOLD PLATINUM
Dental care
Individual deductible S/O $25/calendar year

Nil

Family deductible S/O $50/calendar year Nil

Reimbursement

  • Prevention and basic
  • Major care

S/O

 

80%

 

50%

 

90%

 

50%

Frequency of recall exams S/O 12 months 6 months
Fee guide S/O

Current year

Province of residence

Maximum S/O

$750/calendar year

combined

$1,500/calendar year

combined

Orthodontic care S/O Not covered


Would you like to experience an EVOLUTION?

Contact us now to discover all the exclusive advantages of our EVOLUTION plan. To get a quote, simply complete our form.