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Health Benefit Plan (HBP)

Health Benefit Plan (HBP)

for Business Owners

Health Benefits Coverage

Designed for the Independent Business Owner, Family and Employees

For many small to mid-sized business owners, traditional health and dental benefit programs provided by insurers are too costly, and benefits often go unused. A Health Benefit Plan (HBP) offers incorporated professionals and business owners a reliable and economical way to provide expanded medical and dental coverage for themselves, their families and certain employees.

Are you a good candidate for a Health Benefit Plan?

  • Incorporated professionals who are looking for comprehensive health benefits without the expensive premiums.
  • Business owners who wish to increase benefits for valued employees as well as attract future employees to join the corporation.
  • Business owners who wish to replace traditional group insurance or cost plus arrangements with a flexible, self-administered plan tailored to the needs of the business.

Key benefits of a Health Benefit Plan

  • Employees enjoy a tax-free benefit
  • Out-of-pocket medical costs are turned into tax-deductible business expenses
  • No administration costs as the plan is internally administered
  • Flexibility in providing additional coverage for employees

What’s Covered?

Acupuncture, ambulance, artificial limbs, blood tests, braces, chiropractor, contact lenses, crowns, crutches, dental treatments, dentures, dermatologist, drugs, eyeglasses, guide dog, hearing aid & batteries, hospital bills, insulin treatments, naturopath, nursing, neurologist, obstetrician, O.R. costs, ophthalmologist, optician, oral surgery, organ transplant, orthodontics, orthopedic shoes, orthopedist, osteopath, oxygen, pediatrician, physician, physiotherapist, psychiatrist, psychoanalyst, psychologist, psychotherapy, radium therapy, massage therapy, sterilization, health care related transportation, vaccines, vasectomy, viagra, wheelchair, x-rays …and more.


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