Group Health Insurance
Healthy employees are productive employees. Group health insurance covers the services OHIP doesn't—from prescription drugs to massage therapy—keeping your team healthy and your business running smoothly.
Keep Your Team Healthy and Productive
What is group health insurance?
Healthy employees are productive employees. Group health insurance covers the services OHIP doesn't—from prescription drugs to massage therapy—keeping your team healthy and your business running smoothly.
Quick Reference
Is this right for you?
Businesses with 3+ employees
Cover 80-100% of prescription medication costs for employees and their families. Includes brand name and generic drugs.
Companies wanting to reduce absenteeism
Coverage for massage therapy, physiotherapy, chiropractic, psychology, and other paramedical practitioners.
Employers competing for talent
Semi-private or private hospital room coverage for comfort during hospital stays.
Teams with high prescription needs
Medical emergency coverage when employees travel—essential for business trips and vacations.
Businesses with travelling employees
Explore this coverage option.
Organizations valuing employee wellness
Explore this coverage option.
How it works
Usage Analysis
We review your team's demographics and health needs to recommend appropriate coverage levels.
Plan Design
Customize prescription formularies, paramedical maximums, and other benefits to match your needs.
Competitive Quotes
We obtain quotes from multiple insurers to ensure the best value for your coverage.
Seamless Launch
We handle enrollment and provide employee resources for easy claims submission.
What to expect
What This Covers
- Prescription drug coverage (generic and brand)
- Paramedical practitioners coverage
- Vision care allowance
- Medical equipment and supplies
- Private duty nursing
- Ambulance services
- Out-of-province/country emergency
- Health spending account options
×Common Exclusions
- ×Pre-existing conditions (waiting periods may apply)
- ×Material misrepresentation on application
- ×Conditions outside policy terms
Protecting Ontario families with thoughtful coverage since 1999.
How we compare
As an independent broker, Michael compares policies across multiple carriers to find the best coverage and pricing for your specific situation.
Working with an independent broker means seeing the full market — not just what one insurance company wants to sell you.
Frequently asked
Most plans cover a wide range of prescription medications. You can choose open formularies that cover most drugs, or managed formularies that focus on cost-effective options. We'll help you find the right balance.
Common coverage includes massage therapy, physiotherapy, chiropractic, psychology, naturopathy, acupuncture, and speech therapy. Annual maximums typically range from $300-$1,000 per service type.
Yes, most group health plans extend coverage to employee spouses and dependent children (typically until age 21, or 25 if a full-time student).
Modern plans offer multiple claim options: direct billing at participating providers, mobile app submission with photo receipts, or traditional paper forms. Most claims are processed within 48 hours.
Absolutely. Health spending accounts (HSAs) provide flexible, tax-efficient coverage for expenses not covered by the base plan. They're a great complement to traditional group health insurance.
Let's discuss group health insurance.
Reach out for a private consultation — no obligation.