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Trusted Advisor

Business Owners

Fully Tax-Deduct Dental and Medical Expenses

Are you a business owner looking for an alternative to group insurance? Enroll in a Private Health Services Plan (PHSP) and fully tax-deduct dental and medical expenses for you and your family.

Private Health Services Plan (PHSP)

A PHSP is a Canada Revenue Agency (CRA) approved plan which allows healthcare, dental, and vision expenses for active business owners and employees to become a tax-deductible business expense and a non-taxable benefit to employees. This list of eligible benefits is exhaustive.

A partial list of qualified expenses:

  • Acupuncture
  • Blood tests
  • Chiropractor
  • Dermatologist
  • Eyeglasses
  • Fertility Treatments
  • Laser eye surgery
  • MRI
  • Naturopath
  • Oral Surgery
  • Prescription Medicine
  • Registered Massage Therapy

This is only a partial list. All allowable expenses must qualify as outlined in the Income Tax Act.


Trusted Advisor™ is affiliated with The John Robinson Group Inc., who independently advises business owners and family businesses on a variety of critical company and financially related personal matters utilizing collaborative consulting.

To learn more, please call 604.874.4429, Toll-free 1.888.880.2266, or email us.

Who qualifies?

Anyone who owns a business of any size, employees, and dependents. No health questions or age limits. This is not insurance.

What's covered?

100% of virtually all healthcare, dental, and vision expenses. View our complete list of what's covered.

What's the cost?

One-time set-up fee plus applicable taxes. The additional cost is a 10% administration fee plus applicable taxes, depending on which province you live in.

Who uses a Private Health Services Plan?

Business owners who:

  • do not qualify for group insurance or find it too expensive
  • find group insurance coverage too restrictive; i.e., orthodontics, implants, vision, fertility
  • large groups who have been struggling with significant cost increases each year
  • have sick child or spouse
  • want the front of the line treatment, out-of-country surgery
  • want to write-off child support relating to healthcare, dental and vision expenses

Get Started with a PHSP

Enroll Now