Take great care of your people. Attract the best workers.
Control employee expenses.
Ask an Expert About the Plan
Book a meeting with one of EIO’s Advisors to see if the plan is right for you.
WHY THE PLAN WAS CREATED
A benefits plan supports the health and wellbeing of your employees—empowering them to feel their best booth at home and at work. If you provide the right plan, it fosters a positive working relationship and helps businesses build amazing teams.
But the right plan can be hard to find, and can be particularly expensive for small or mid-sized businesses. Many of our members have mentioned ever-rising costs that forced them to reduce coverage—which no one wants to do!
That’s why the Pool & Hot Tub Council of Canada, with the help of EIO Solutions, created our own group benefits solution, now available to all our members. This new plan leverages the size of our association to guarantee comprehensive health & wellness support at lower rates than a small business can find on their own—ensuring our members’ employees are happy, healthy, and productive—and our members’ businesses thrive!
WHAT IS GREAT ABOUT PHTCC BENEFITS PLANS?
Group Pricing for All Members
Whether you run a small company and are looking for your first benefits plan, or have dozens of employees in need of upgraded coverage, the cost of our plans are among the lowest in the industry. Plus, as part of our big benefits block, all our members will be protected from large, unexpected cost increases that often follow high plan usage.
Analysis and Quotes for Existing Plans
If you already have a benefits plan your employees appreciate, EIO’s experts can prepare a custome quote while investigating potential discounts. Like any PHTCC member, your group will then be added to the association pool to provide rate stability
Flexible Plan Options
Unlike other association plans (like Chamber plans), you can customize all aspects of your coverage to suit your needs on your budget. The EIO team will continue providing data on plan usage so that you can manage your plan and make informed choices.
Health & Wellness Inclusions
Enhance your benefits with flexible Lifestyle+ Spending Accounts and other valuable add-ons including: virtual healthcare, employee-wellness support, medical second opinion, online pharmacy & drug delivery, and more!
Easy Set-Up and Claims Experience
EIO provides a seamless onboarding process where plan members can register and start submitting claims through their online portal within minutes. Their dedicated support staff ensure employees and plan administrators can easily manage their plan and get the most of their benefits.
Guidance From a Trusted Advisor
If you’re unsure what coverage is right for your group, EIO’s Advisors can work with you to review your demographics and previous claims experience to optimize your plan based on your budget—providing more value to more people.
HOW IT WORKS
- Download a self-guided benefits application to review coverage options and start building your plan.
- Book a discovery call with an EIO Advisor to review plan options and modify your choices if necessary.
At this time, you can also discuss your existing benefits plan to request a custom quote. - Provide EIO’s underwriting team with an employee census to receive a formal benefits proposal
- When ready, your EIO Adivosr will review your proposal with you and discuss next steps for onboarding.
- Connect with EIO’s onboarding team to complete the necessary paperwork, schedule an interactive info-session for employees, and set-up your plan administrator to manage the plan.
- A meeting will be scheduled for a 6 month review of your plan usage and to ensure you have chosen the right coverage for your employees. Plan satisfaction and user experience is key, so modifications to the plan design can be made mid-year. We want your plan to get 5 stars from your employees!
Frequently Asked Questions (FAQs)
Small increases can be expected, following trends in claims and increasing costs of goods and services, however you will be protected from large increases that would otherwise be tied to high claims from your individual group.
Yes! PHTCC Benefits Plans are available to all members, regardless of the size of their business. Please contact an EIO Advisor to request a benefits application for groups of 1-2 employees as coverage may vary from the standard group plan.
Yes! PHTCC Benefits Plans are available to retirees, however rates may increase due to differences in Travel benefits costs.
Yes! All plan members will be given pay-direct benefits cards for pharmacies and health & dental providers, accepted by most providers nationwide.
Yes! PHTCC Benefits Plans are available to family-owned and -operated businesses.
Yes! You can also create separate classes for part-time and full-time employees.
Yes! But: you must have at least one arms-length (non-related) employee to be eligible. Alternatives are available for self-employed individuals and can be discussed with an EIO Advisor.
Very easy! Members will have access to an online platform—optimized for desktop and mobile devices. They simply need to upload a picture of their receipt, complete a handful of prompts, and submit!
Most claims are reimbursed within two business days.
This plan would become the first payor if you are a dependant on your spouse’s plan. To get the most out of both plans, you can customize your PHTCC Benefits Plan to emphasize coverage of things missing from your spouse’s plan while minimizing overlap.
From the date of signing, it takes approximately thirty business days to onboard a new group.
Yes, you can combine plans by adding the new employees to your existing plan design, separating them by class or billing division if required. An EIO Advisor can work with you to complete this process.
Yes! Foreign workers can receive coverage on your PHTCC Benefits Plan. Plus, if they need temporary provincial health coverage (for hospital visits and other universal healthcare services) we can add a separate insurance product for the months they require.
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