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Our insured programs provide you with comprehensive health & dental plans that have set plan designs and stable rates from year to year. Benefits include life insurance, prescription drugs, dental & massage, chiro physio etc. There are no medical questions required to qualify for coverage.
Our Health Spending Accounts allow the employer to allocate a specific dollar amount to each employee every year, to cover eligible health and dental expenses. This is completely tax deductible for the employer, and provides flexibility for the employees  to spend the funds on what is most important to them. There are no medical questions required for coverage.