Cost Plus is a Private Health Services Plan (PHSP) that provides 100% health and dental and vision coverage.

This plan can be a “stand alone” plan or can be used to supplement existing health and dental plans.

Cost Plus is a “pay as you go” plan.  Premiums are not charged monthly but on a “per claim” basis. 

Cost Plus covers all health-related expenses eligible as defined under Subsection 118.2(2) of the Income Tax Act (or IT 519R2). 

For those everyday financial decisions Canwest provides piece of mind with their expert services. 
 

1. Payroll deduction (saving made easy)
2. Tax-Free Savings Accounts - never pay tax on any interest or gain within your savings account.
3. Save for the rainy day, vacation, new car or for a down payment
4. Let it start working for you now
5. Direct deposit back to your bank account when you need it most.

A Health Spending Account allows an employer to offer an effective benefit solution while working within a budget.  For ease you may wish to think of this plan as a “pre-defined contribution” plan as the cost is specified but the coverage is flexible. 

Traditional Group Plans are Employee Group Benefits that are provided by Insurance Companies. Traditional plans provide many plan options including Life, AD&D, Short and Long Term Disability, Health and Dental, Employee Assistance Program, and Critical Illness coverage. As Brokers we are able to approach these companies for quotes and present to you a benefit plan that suits the needs of your employees and is cost effective for you as an employer.