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PHSP vs Group Benefits

Private Health Services Plan
Traditional Group Benefits Plans
No monthly premiums, No annual fees 
Monthly premiums regardless of activity
No deductibles 
Deductibles can apply to many categories
One time set up fee
Typical 80% coverage
No dispensing fee caps
Limits – ie. Dispensing fee caps
No RX required for Paramedical expenses
RX required for all paramedical expenses
Prescription Drugs –regardless of the Generic cost, the plan pays the out of pocket amount
Prescription Drugs are only covered at the cost of the Generic brand, not the true out of pocket amount
Pre-existing health conditions make no difference in regards to coverage
Pre-existing Health condition are typically not covered
Dental work expenses are paid as they are submitted, NO Estimates are required
Dental work expenses require an Estimate
Employee limit or category limit is up to Employer
Payments are based on “Reasonable and Customary” fee guides, employee is left paying the balance out of pocket

See the full list of allowable medical expenses with a PHSP here


More questions about the Private Health Services Plan? Complete the online form or contact June Borlé at (604) 874-4429 or Toll-free (888) 880-2266.