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License Verification

Clients looking to verify my license is current and in good standing can do so by visiting:

Health Spending Accounts (HSA) / Private Health Service Plan (PHSP)

Paying expensive monthly premiums for health insurance? No coverage at all and paying for medical expenses with expensive out of pocket after-tax dollars?

A (HSA) is a great CRA approved tool. It allows you to deduct your medical expenses through your corporation and receive the benefits personally to you (or your employees) 100% tax free.

Click here to compare HSA’s vs Health Insurance

Private Expedited Medical Services - Domestic

While not all HSA’s offer private expedited medical services, Custom Care clients can access (CT’s and MRI’s) within 3 days and can be fast tracked to see 10 different specialists within 21 days of diagnosis. Click here for more information.

THE RESULT: By avoiding public wait times for treatment or surgery you speed up your recovery which also means you are getting back to family and work in a fraction of the time. Reducing your time away from work also means reducing your financial hardship from absenteeism.

THE COST: $20 per month per adult. $60 per month per family (regardless of number of children). Click here for more details.

Private Expedited Medical Services – International

For those looking for rapid access to the highest quality medical care – Priority Health Care Insurance can offer Small Business Owners, their families or employees with urgent access to the top 10% of hospitals in the United States of their choice (accompanied by a family member or friend).

Your assigned case coordinator will ensure all your travel arrangements, accommodations, diagnostic care, treatment and return flight are completely looked after. The result is a second to none expedited and professional experience accelerating your recovery time and ultimately your return to family, work and life.

The next time a severe illness or injury has you waiting more than 15 days in Canada, know that Priority Health Care can have you on a plane to treatment centers like The Mayo Clinic. Click here for the Priority Healthcare Brochure (PDF).

Small Business Insurance and Investment Articles

Find out what the experts are saying relative to your personal or business insurance and investment needs. Visit the Article center.

Small Business Financial Calculators

These are handy financial aids to help you with your personal or business questions or goals.

Premiums	Health Spending Accounts	Health Insurance
HSA vs Insurance Savings Calculator Register for your HSA today	No monthly premium Pay as you claim No claims = no costs One-time registration fee of $295 per corporation – regardless of number of employees or family members. Cost thereafter: 10% of claim submission.	Monthly premium required regardless of use. Increase use = increased premiums at renewal. Age at time of application can increase cost of plan. Family monthly premiums can run between $400-$600 per month
Eligible Expenses CRA’s Eligible Medical Expenses	Eligible expenses are based and governed by Canada Revenue Agency which range up to 134 medical conditions/expenses. No limits based on treatment or types of service. No deductibles No co-insurance No annual or lifetime maximums No waiting periods No exclusions due to pre-existing conditions	Deductibles and co-insurance common. Coverage limits on treatments, medications and paramedical visits. Some plans have annual or lifetime maximums on certain treatments. Drug plans often have restrictions via dispensing fees, co-insurance, deductibles and possibly generic use only. Pre-existing conditions lead to coverage exclusions.
Submitting Claims 1 Min. Video: Claims App	Completed digitally with your mobile phone or tablet. Submitting a claim takes less than 3-5 minutes. Employee receives benefits within 24-48 hrs TAX FREE Corporation gets to deduct the claim resulting in a WIN WIN scenario.	Depending on carrier, submission to rebate can take more than 1-2 weeks. Once registered some expenses may have waiting periods before being able to claim.
Application Register for your HSA today	Start to finish you can be up and running in under 30 minutes. Once registered you can retroactively expense items to the start of the month you registered.	Depending on your health and medical underwriting requirements - this can take days to weeks.
Expedited Medical Services For more details click here	Custom Care Offers a one of a kind private diagnostic and specialists access insurance. This includes: CT’s MRI’s within 3 days; access to 10 different specialists with 21 days. The cost: $20 per month per adult or $60 per month per family (regardless of number of children).	No ability to bypass public wait times if seeking diagnostic or medical treatments which may extend months to over a year.