ASSET 2-25

Flexible & 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 best-in-class benefits to attract 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.
  • $6,000 of Critical Illness coverage - for stroke, cancer, heart attack (myocardial infarction) or kidney failure – included as part of the AD&D benefit.
  • Comprehensive and market-leading employee assistance and legal assistance program.
  • Ability to add innovative ancillary services including, virtual health care, employee discount programs, alcohol, and substance abuse support and pharmacogenetic testing.
  • Access to a preferred pharmacy network offering lower dispensing fees and home delivery option. (Not applicable in Quebec)
  • 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.
  • Coverage flexibility when an Employer would like to provide extra health or dental coverage using a payment method that is both tax and cost effective.
  • A reliable management system that is highly appreciated. AGA Benefit Solutions will manage staff movements, track deductibles, and transfer medical and dental claims 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 bank account. With the members portal, drug cost can be compared using the AGA drug comparison tool and claims can be submitted online. It couldn’t be faster!

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24 Possible Combinations

Choose one among the following 6 health care plans:

Onyx
  • Healthcare Deductible: None
  • Reimbursement: 70%
  • Drugs: 
    • $8 dispensing fee cap (not applicable in Quebec)
    • Quebec: $5 per prescription deductible
    • Definition:
      • Requiring a prescription (Standard Formulary)
      • Mandatory generic substitution
      • Mandatory biosimilar substitution 
      • Quebec: drugs covered under RAMQ list only
    • Annual maximum reimbursement:
      • $5,000 (not applicable in Quebec)
      • Quebec only: None
  • Hospital Fees: Semi-private room at 100%
  • Hearing Aids: N/A
  • Licensed Nurses: N/A
  • Paramedical: N/A
  • Psychologist/Social worker: N/A
  • Vision Care: 100%
  • Eyeglasses & Contact Lenses: N/A
  • Eye Examination: 1 exam/24 months
  • Travel Insurance: $5 million per trip, maximum 60 days
Quartz
  • Healthcare Deductible: None
  • Reimbursement: 75%
  • Drugs: 
    • $8 dispensing fee cap (not applicable in Quebec)
    • Quebec: $5 per prescription deductible
    • Definition:
      • Requiring a prescription (Standard Formulary)
      • Mandatory generic substitution
      • Mandatory biosimilar substitution 
    • Annual maximum reimbursement:
      • $10,000 (not applicable in Quebec)
      • Quebec only: None
  • Hospital Fees: Semi-private room at 100%
  • Hearing Aids: $500/36 months
  • Licensed Nurses: $5,000/calendar year
  • Paramedical: $300/calendar year
  • Psychologist/Social worker: $600/calendar year
  • Vision Care: 100%
  • Eyeglasses & Contact Lenses: N/A
  • Eye Examination: 1 exam/24 months
  • Travel insurance: $5 million per trip, maximum 60 days
Crystal
  • Healthcare Deductible: None
  • Reimbursement: 80%
  • Drugs: 
    • $9 dispensing fee cap (not applicable in Quebec)
    • Quebec: $3 per prescription deductible
    • Definition:
      • Requiring a prescription (Standard Formulary)
      • Mandatory generic substitution
      • Mandatory biosimilar substitution 
    • Annual maximum reimbursement:
      • $15,000 (not applicable in Quebec)
      • Quebec only: None
  • Hospital Fees: Semi-private room at 100%
  • Hearing Aids: $500/36 months
  • Licensed Nurses: $5,000/calendar year
  • Paramedical: $300/calendar year
  • Psychologist/Social worker: $600/calendar year
  • Vision Care: 100%
  • Eyeglasses & Contact Lenses: N/A
  • Eye Examination: 1 exam/24 months
  • Travel Insurance: $5 million per trip, maximum 60 days
Ruby
  • Healthcare Deductible: None
  • Reimbursement: 80%
  • Drugs: 
    • $9 dispensing fee cap (not applicable in Quebec)
    • Quebec: $3 per prescription deductible
    • Definition:
      • Requiring a prescription (Standard Formulary)
      • Mandatory generic substitution
      • Mandatory biosimilar substitution 
    • Annual maximum reimbursement:
      • $15,000 (not applicable in Quebec)
      • Quebec only: None
  • Hospital Fees: Semi-private room at 100%
  • Hearing Aids: $500/36 months
  • Licensed Nurses: $10,000/calendar year
  • Paramedical: $500/calendar year
  • Psychologist/Social worker: $1 000/calendar year
  • Vision Care: 100%
  • Eyeglasses & Contact Lenses: $250/24 months
  • Eye Examination: 1 exam/24 months
  • Travel Insurance: $5 million per trip, maximum 60 days
Sapphire
  • Healthcare Deductible: None
  • Reimbursement : 90%
  • Drugs: 
    • $9 dispensing fee cap (not applicable in Quebec)
    • Quebec: $3 per prescription deductible
    • Definition:
      • Requiring a prescription (Standard Formulary)
      • Mandatory generic substitution
      • Mandatory biosimilar substitution 
    • Annual maximum reimbursement:
      • None
  • Hospital Fees: Semi-private room at 100%
  • Hearing Aids: $500/36 months
  • Licensed Nurses: $10,000/calendar year
  • Paramedical: $500/calendar year
  • Psychologist/Social worker: $1 000/calendar year
  • Vision Care: 100%
  • Eyeglasses & Contact Lenses: $250/24 months
  • Eye Examination: 1 exam/24 months
  • Travel Insurance: $5 million per trip, maximum 60 days
Diamond
  • Healthcare Deductible: None
  • Reimbursement : 100%
  • Drugs: 
    • Deductible:
      • None
    • Definition:
      • Requiring a prescription (Standard Formulary)
      • Mandatory generic substitution
      • Mandatory biosimilar substitution
    • Annual maximum reimbursement:
      • None
  • Hospital Fees: Semi-private room at 100%
  • Hearing Aids: $500/36 months
  • Licensed Nurses: $10,000/calendar year
  • Paramedical: $750/calendar year
  • Psychologist/Social worker: $1 500/calendar year
  • Vision Care: 100%
  • Eyeglasses & Contact Lenses: $300/24 months
  • Eye Examination: 1 exam/24 months
  • Travel Insurance: $5 million per trip, maximum 60 days

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

Bronze
  • Deductible: None
  • Reimbursement: 70%, preventive and basic
  • Follow-up Exam: 1 every 12 months
  • Laboratory Fees: 60%
  • Dental Fee Guide: Province of residence - current year
  • Maximum: Combined basic care, max $750/calendar year
Silver
  • Deductible: None
  • Reimbursement: 80%, preventive and basic; 50% major 
  • Follow-up Exam: 1 every 9 months
  • Laboratory Fees: 60 %
  • Dental Fee Guide: Province of residence – current year
  • Maximum: Combined basic and major, max $1,000/calendar year
Gold
  • Deductible: None
  • Reimbursement: 90% preventive and basic, 50% major
  • Follow-up Exam: 1 every 6 months
  • Laboratory Fees: 60%
  • Dental Fee Guide: Province of residence – current year
  • Maximum: Combined basic care and major, max $1,500/calendar year
Platinum
  • Deductible: None
  • Reimbursement: 100% preventive and basic; 50% major; 50% orthodontics
  • Follow-up Exam: 1 every 6 months
  • Laboratory Fees: 60%
  • Dental Fee Guide: Province of residence – current year
  • Maximum: 
    • Combined basic care and major, max $2,000/calendar year
    • Orthodontics (children only) $2,000 lifetime

Life insurance coverage for employees, their dependents, as well as short and long term income protection may be offered in all plans.

To discover all the exclusive benefits of ASSET 2-25 for you and your employees, you can simply fill out our form and one of our advisors will contact you.