ELITE

AN INNOVATIVE AND EFFICIENT SOLUTION

One of the main HR concerns of Quebec businesses with 5 to 124 employees is to keep group insurance costs under control. To tackle this major challenge, AGA Benefit Solutions has developed a line of products offering specialized services, specially designed to better meet the expectations of Quebec businesses.

WHY SUBSCRIBE TO ELITE?

SIGNIFICANT COST SAVINGS

ELITE or ELITE PLUS are plans created by AGA that allow businesses to benefit from significant economies of scale, including reduced administration and pooling costs. ELITE products are administered on the AGA Private Management platform.

Advantages

  • Savings of 10% or more on your current premiums, along with rate guarantees up to 24 months!
  • Improved financial conditions without reducing the protection offered to your employees!

 

COST CONTROL MEASURES

In order to ensure the sustainability of ELITE and the stability of future renewals, AGA applies the best practices in cost management, including:

  • The direct payment drug card;
  • Mandatory generic substitution;
  • Prior approval of exception drugs;
  • Educating participants about responsible consumption of drugs;
  • 90-day supply for chronic conditions.

Advantages

  • Sustainable reduction in the cost of drugs consumed
  • Greater stability of premium rates
  • Better understanding of Plan by participants

 

ELIGIBILITY

ELITE products are available to businesses:

  • that have between 5 and 124 employees insured at the time of their application; and
  • that have been insured with the same insurer for at least 24 or 36 months; and
  • that are not part of a group and that have a favourable claims experience in health care*

* Certain restrictions apply. Contact an AGA representative to validate your eligibility.

Advantages

  • Great flexibility in terms of the effective date:
  • Is you renewal coming up? Compare the renewal negotiated with your current insurer to an ELITE proposal!
  • Have you just finished completing the renewal exercise with your current insurer? It is not too late! With ELITE or ELITE PLUS, you can join the program within six months of your renewal and benefit from the savings provided for in the agreement!

 

Private management (just one invoice and payment card for employees), AD&D (accidental death and dismemberment) coverage, and Assistance AGA (EAP and legal assistance) are included in the plan.

CONTACT US TODAY TO LEARN ABOUT THE MANY EXCLUSIVE ADVANTAGES AVAILABLE TO YOU AND YOUR EMPLOYEES THROUGH ELITE: 1-800-363-6217 OR INFO@AGA.CA