Group Benefits Plans with TruCover
Provincial healthcare covers core doctor and hospital services, but many everyday costs—such as prescription drugs, dental work, vision care and income protection—fall outside the public system.
A well-designed group benefits plan helps employees manage those expenses while giving employers a stronger compensation package for attracting and retaining talent.
Prescription Drug Coverage
Support for eligible routine medications, specialized prescriptions and pharmacy expenses, subject to plan design.
Dental Care
Basic and major dental benefits can include exams, cleanings, fillings, root canals, crowns, bridges and more.
Extended Health
Vision, physiotherapy, massage, chiropractic care and mental-health services may be included.
Disability Insurance
Short-term and long-term disability benefits can help replace income during a qualifying disability.
Life & AD&D
Group life and accidental death & dismemberment coverage can add financial protection for employees and families.
Wellness & HCSA
Healthcare Spending Accounts and modern wellness benefits can add flexibility to the overall plan.
Drug, Dental & Health Coverage in One Plan
Prescription Drugs
Coverage for eligible medications and pharmacy expenses.
Dental Care
Preventive, restorative and optional major dental benefits.
Extended Health
Vision, paramedical services, mental health and wellness support.
For Employers
Group benefits can strengthen recruitment, retention and employee satisfaction while helping employers build a more competitive total compensation package.
How Costs Can Be Shared
Employer and employee contributions can be structured to balance affordability with meaningful coverage.
Plan Area | Employer Side | Employee Side |
|---|---|---|
Premium Contribution | May fund part or all of eligible premiums | May contribute the balance through payroll |
Health & Dental | Supports workforce wellbeing | Access to more affordable everyday coverage |
Disability & Life | Strengthens total compensation | Added income and family protection |
Wellness / HCSA | Flexible cost-management tool | More choice over eligible healthcare spending |
Why Businesses Choose TruCover
1
Market Comparison
We compare suitable providers and plan structures rather than relying on a single insurer.
2
Cost Containment
Drug tiering, HCSA design and modular benefits can help control long-term plan costs.
3
Custom Solutions
Plans can be structured for small businesses, growing teams and larger organizations.
4
Ongoing Support
TruCover can assist with implementation, employee changes, renewals and claims-related support.
Our Group Benefits Process
1
Needs Review
We review your workforce, budget, priorities and current coverage.
2
Market Comparison
We compare suitable plan options and providers.
3
Plan Design
Drug, dental, health, disability, life and wellness benefits are balanced into one package.
4
Ongoing Support
We help with implementation, renewals and plan adjustments.
Benefits for Employees and Employers
1
Lower eligible out-of-pocket health and dental costs
2
Access to prescription drug, vision and paramedical benefits
3
Income protection through disability coverage
4
Life and AD&D protection for added financial security
5
Flexible wellness and spending-account options
Frequently asked questions
Yes. Prescription drug and dental benefits are commonly combined with extended health and can also be paired with disability, life, AD&D and wellness benefits.
Yes. Group-benefit options can be available to small employers as well as larger organizations, subject to insurer eligibility and participation requirements.
Yes. Coverage levels, deductibles, co-insurance, maximums, HCSA funding and other plan features can be adjusted to fit the organization.
Employers may pay all or part of eligible premiums, with employees contributing the balance where appropriate. The exact arrangement depends on plan design.
Yes. TruCover can provide ongoing support for renewals, employee changes, claims-related questions and plan adjustments.
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