Asset 2-25

FLEXIBLE AND ACCESSIBLE

Companies with 2 to 25 employees can now benefit from a group insurance plan without being overwhelmed by significant administration fees. With ASSET 2-25, a product unique to AGA Benefit Solutions, you can finally provide your employees with better conditions and retain key staff members.

THE BEST OFFERING!

  • AGA Benefit Solutions works in partnership with several insurance providers to offer the following advantages:
  • Some of the lowest rates on the market and highly competitive administration fees.
  • Death and dismemberment protection including coverage of $6,000 in the event of critical illness: stroke, cancer, heart attack (myocardial infarction) or kidney failure.
  • Access to an employee assistance and legal assistance program provided by experienced psychologists and lawyers.
  • A handy drug card for pharmacy purchases or electronic dental insurance claims, if included in your plan.
  • A comprehensive travel insurance plan from a specialized insurer offering competitive rates.
  • Option of adding the Cost Plus program, which complements the basic insurance plan, with costs borne by the employer.
  • A tried and true management system that is highly appreciated. AGA Benefit Solutions will manage staff movements, track deductibles, and transfer paramedical expenses should you change insurance providers during the year.
  • AGA Benefit Solutions processes all claims rapidly upon receipt, with payments deposited directly into the employee’s account. With the members portal, claims can even be submitted online. It couldn’t be faster!

 

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20 POSSIBLE COMBINATIONS

Choose one among the following 5 health care plans:

A

  • Individual deductible: $0/Calendar Year
  • Family deductible: $0/Calendar Year
  • User fee: $5
  • Reimbursement: 70%
  • Drugs: RAMQ list
  • Hospital fees: Semi-private room
  • Hearing aids: N/A
  • Trained nurses (excluding foot care): N/A
  • Paramedical fees: N/A
  • Vision care: 100%
  • Eyeglasses and contact lenses: N/A
  • Eye examination: 1 exam/24 months, maximum $75
  • Travel insurance: Covered, limit $5 million

B

  • Individual deductible : $50/Calendar Year
  • Family deductible : $100/Calendar Year
  • User fee : $5
  • Reimbursement : 75%
  • Drugs : Generic mandatory, prescription only
  • Hospital fees : Semi-private room, $0 deductible
  • Hearing aids : $500/36 months, doctor’s recomm.
  • Trained nurses (excluding foot care) : $10,000/CY, doctor’s recomm.
  • Paramedical fees : $300/Calendar Year
  • Vision care : 100%, no deductible
  • Eyeglasses and contact lenses:  N/A
  • Eye examination : 1 exam/24 months, maximum $75
  • Travel insurance : Covered, limit $5 million

 

C

  • Individual deductible : $50/Calendar Year
  • Family deductible : $100/Calendar Year
  • User fee : $2
  • Reimbursement : 80%
  • Drugs : Generic mandatory, prescription only
  • Hospital fees : Semi-private room, $0 deductible
  • Hearing aids : $500/36 months, doctor’s recomm.
  • Trained nurses (excluding foot care) : $10,000/CY, doctor’s recomm.
  • Paramedical fees : $300/Calendar Year
  • Vision care : 100%, no deductible
  • Eyeglasses and contact lenses: $100/24 months
  • Eye examination : 1 exam/24 months, maximum $75
  • Travel insurance : Covered, limit $5 million

 

D

  • Individual deductible : $25/Calendar Year
  • Family deductible : $50/Calendar Year
  • User fee : $2
  • Reimbursement : 90%
  • Drugs : Generic mandatory, prescription only
  • Hospital fees : Semi-private room, $0 deductible
  • Hearing aids : $500/36 months, doctor’s recomm.
  • Trained nurses (excluding foot care) : $10,000/CY, doctor’s recomm.
  • Paramedical fees : $400/Calendar Year
  • Vision care : 100%, no deductible
  • Eyeglasses and contact lenses:  $200/24 months
  • Eye examination : 1 exam/24 months, maximum $75
  • Travel insurance : Covered, limit $5 million

 

E

  • Individual deductible : $0/Calendar Year
  • Family deductible : $0/Calendar Year
  • User fee : $2
  • Reimbursement : 100%
  • Drugs : Generic mandatory, prescription only
  • Hospital fees : Semi-private room, $0 deductible
  • Hearing aids : $500/36 months, doctor’s recomm.
  • Trained nurses (excluding foot care) : $10,000/CY, doctor’s recomm.
  • Paramedical fees : $400/Calendar Year
  • Vision care : 100%, no deductible
  • Eyeglasses and contact lenses:  $250/24 months
  • Eye examination : 1 exam/24 months, maximum $75
  • Travel insurance : Covered, limit $5 million

 

And combine it with one of the 4 dental care plans :

1

  • Individual deductible : $100/Calendar Year
  • Family deductible : $200/Calendar Year
  • Reimbursement : 70%, preventive and basic
  • Follow-up exam: 12 months
  • Laboratory fees : 60 %
  • Dental fee guide : Province of reference – current year
  • Diagnosis : Combined basic care, max $750/Calendar Year

2

  • Individual deductible : $50/Calendar Year
  • Family deductible : $100/Calendar Year
  • Reimbursement : 80%, preventive and basic, 50% major care
  • Follow-up exam: 9 months
  • Laboratory fees : 60 %
  • Dental fee guide : Province of reference – current year
  • Diagnosis : Combined basic and major care, max $1,000/Calendar Year

3

  • Individual deductible : $0/Calendar Year
  • Family deductible : $0/Calendar Year
  • Reimbursement : 100% preventive and basic, 50% major care, 50% orthodontic care
  • Follow-up exam: 6 months
  • Laboratory fees : 60 %
  • Dental fee guide : Province of reference – current year
  • Diagnosis : Combined basic and major care, max $1,000/Calendar Year + orthodontic care, max $2,000/life

4

  • No dental plan

 

Guarantees for life insurance, ADD (accidental death and dismemberment) and wage loss replacement are included in all plans.

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To discover all the exclusive benefits of ASSET 2-25 for you and your employees, contact us right away at
1 800 363-6217 or at info@aga.ca.