Group Health & Dental Plans

What Can Martell Insurance Services Do for You?

The Way We Work . . . For You

1. We believe that we work for you, the client and acting upon your direction, tempered with our advice and experience, we shop the market for a plan that helps you accomplish your goals at the most reasonable cost.
2. We place the business with the selected carrier(s) and assist you in efficiently completing all the paperwork.
3. We provide you and your plan administration with:
   • Booklets for each Employee
   • An easy way for you to use administration/claims kit for your plan administrator
   • An Employee information meeting to review the coverage, explain any procedures for claims and answer any questions
   • A personal service contract(s) at the insurance company chosen
4. As long as rates and claims experience are reasonable, but at the most every 3 years, we do a complete market review to “Test the Water” on your behalf to make sure your rates are in line with marketing pricing.

You Do Not Have a Group Plan

• Attract and maintain good quality employees.
• Provide Dental and Extended Health benefits to yourself and employees.
• Maximize the Tax Advantages afforded a business owner.
• Provide a Cost Plus plan for business owners and key – employees.

The Purpose of an Employee Plan is Threefold:

1. To provide employees with the security of knowing certain financial uncertainties are protected.
2. To define and limit a company’s legal and financial obligations to it’s employees.
3. To provide some “Special” Benefits to the “Special” people who are instrumental in the company’s success.

Taxability of Employee Benefits

Individual Health & Dental Plans

With more and more cutbacks to our nations health care system,many Canadians are surprised to find out, sometimes too late, that their government Health Plan does not cover many day-to-day health related expenses such as, prescription drugs,nursing care,ambulance expenses,paramedical services and dental care just to name a few.

For some, these expenses are covered by a company group plan, for the balance there are Personal Extended Health and Dental Plans.

These plans are ideal for individuals and families who:

• Do not have group coverage.
• Work for or own a small business.
• Are self employed.
• Have had coverage reduced or terminated due to retirement.

Health Plan – What is a Health Plan?

Dental Plan – What is Included?

For the most part,dental plans are offered with 3 different levels of coverage.

Level 1 – Basic services including diagnostic and preventative,endodontics and periodontics.

Level 2 – Basic with major services. Major services includes such things as bridges,dentures,crowns,gold inlays etc.

Level 3 – Basic with Major and orthodontics, the addition of orthodontics includes the realignment and straightening of the teeth.

Due to the much higher costs associated with Major and Orthodontic coverage, few personal plans are available.

Extended Health Care (EHC) and Dental plans are normally sold as a package but in some circumstance are available separately. The cost factors of these benefits are based on the co-insurance levels and maximum limits payable under each plan.

For Quotes or to Purchase online Individual Health & Dental Plans