NEW · POOLED GROUP BENEFITS FOR DIAGNOSTIC IMAGING CLINICS
BENEFITS BUILT FOR THE PEOPLE BEHIND THE SCANNER.
A pooled group benefits program for diagnostic imaging clinics that do not currently offer employee benefits. Coverage is provided and administered by Benefits by Design (BBD); Human Integrity HR negotiated preferred rates for the DI community.
ELIGIBILITY
WHO THIS PROGRAM IS FOR
These rates are available only to diagnostic imaging clinics in Canada that have no existing group benefits plan. Your clinic joins a pool of DI employers, which is how the preferred pricing is achieved. Clinics that already have a benefits plan are not eligible for these published rates.
- Diagnostic imaging clinic or IHF in Canada
- No current group benefits plan in place
- At least 2 eligible employees (3 for some benefits)
- In business for at least 1 year
- Employer pays at least 50% of premiums
WHAT TECHNOLOGISTS NEED MOST.
Long shifts on your feet, lead aprons, repetitive scanning and high-stakes reads take a toll. Every plan is shaped around that reality.
Care for your body
Paramedical coverage for massage therapy, physiotherapy and chiropractic — for the shoulders, wrists and backs that sonography and positioning wear down.
Support for your mind
A six-session Employee Assistance Program is included in every plan, for the stress of busy lists, on-call and difficult findings.
A doctor on your schedule
Maple Virtual Care is included, so shift workers can see a doctor from home instead of fighting clinic hours.
Prescriptions, paid at the counter
Direct-pay drug cards on every plan — no paying up front and waiting on claims.
Eyes and teeth covered
Vision care and dental on Standard and Premium, with 12-month recall exams.
Covered when you travel
Out-of-country emergency travel coverage of $5M per trip, up to 60 days, on every plan.
Provided by Benefits by Design · Rates negotiated by HiHR
THREE PLANS. PUBLISHED POOLED RATES.
Monthly premium per enrolled employee. Health (EHC) and Dental are priced separately. Rates are illustrative, subject to BBD underwriting and approval, exclude applicable provincial sales tax, and apply only to groups with no current coverage.
STARTER
Essential health coverage to get your team protected.
Health, per month
$50single
$105 family
Dental not included
- $5,000 prescription drug maximum
- 80% health coinsurance, $200 deductible
- Travel, private nursing and hearing aids
- Maple Virtual Care and EAP included
STANDARD
Health, dental, vision and paramedical — the balanced choice.
Health, per month
$60single
$140 family
+ Dental: $35 single · $80 family
- $10,000 prescription drug maximum
- $300 per practitioner for massage, physio and more
- Vision $200 every 24 months
- Dental at 80%, up to $750 per person
PREMIUM
Full coverage for teams that want the best for their people.
Health, per month
$75single
$170 family
+ Dental: $45 single · $105 family
- Unlimited prescription drug coverage
- 100% health and dental coinsurance
- $500 per practitioner for paramedical care
- Dental up to $1,000 per person
Life insurance, AD&D, short-term disability and long-term disability are available as optional add-ons.
COMPARE EVERY DETAIL.
| Benefit | Starter | Standard | Premium |
|---|---|---|---|
| Extended health care | |||
| Deductible | $200 | Nil | Nil |
| Coinsurance | 80% | 80% | 100% |
| Prescription drug plan | Direct pay | Direct pay | Direct pay |
| Prescription drug deductible | None | Equal to dispensing fee | Equal to dispensing fee |
| Prescription drug coinsurance | 80% | 80% | 100% |
| Prescription drug maximum | $5,000 | $10,000 | Unlimited |
| Hospital accommodation | Not included | Semi-private | Semi-private |
| Travel | 100%, 60 days, $5M per trip | 100%, 60 days, $5M per trip | 100%, 60 days, $5M per trip |
| Paramedical services | Not included | $300 / person / practitioner | $500 / person / practitioner |
| Private nursing | $10,000 per year | $10,000 per year | $10,000 per year |
| Hearing aids | $700 every 5 years | $700 every 5 years | $700 every 5 years |
| Vision | Not included | $200 every 24 months | $200 every 24 months |
| Monthly premium | Single $50 · Family $105 | Single $60 · Family $140 | Single $75 · Family $170 |
| Dental care | |||
| Deductible | Not included | Nil | Nil |
| Basic services | Not included | 80% | 100% |
| Major services | Not included | N/A | N/A |
| Annual maximum | Not included | $750 / person | $1,000 / person |
| Recall exams | Not included | 12 months | 12 months |
| Fee guide | Not included | Current | Current |
| Monthly premium | — | Single $35 · Family $80 | Single $45 · Family $105 |
| Included on every plan | |||
| Health Care Spending Account | Available | Available | Available |
| Collage HR platform | Included | Included | Included |
| Maple Virtual Care | Included | Included | Included |
| Employee Assistance Program (6 sessions) | Included | Included | Included |
For employers
FOR CLINIC OWNERS AND MANAGERS.
Offering benefits for the first time? Join a pool of imaging clinics and access rates a small clinic couldn't negotiate alone.
Preferred pooled rates
HiHR negotiated rates with Benefits by Design specifically for diagnostic imaging employers.
Administered by BBD
Enrolment, claims, plan administration and member support are handled by Benefits by Design.
HR support available
A complimentary Collage HR subscription may be available with eligible plans, subject to approval.
Retain your technologists
Offering benefits helps you compete for and keep the imaging talent you worked hard to hire.
OFFER TERMS
- Published rates are available only to groups with no current group benefits coverage.
- Groups of 3–4 enrolled employees must choose a plan with a prescription drug maximum (Starter or Standard). Groups of 5+ may choose any plan.
- A minimum of 3 insured employees is required for all benefits, except EHC and Dental, which require 2. An additional rate load applies to groups with only 2 participating employees.
- Employees must regularly work at least 20 hours per week, with CPP and EI deducted at source.
- The group must have been in business for at least 1 year, and 100% of eligible employees must participate.
- The employer must contribute at least 50% of the plan cost.
- A different EHC rating structure applies where more than 50% of employees are over age 51.
- All benefits terminate at age 75, except STD at age 70 and LTD at age 65. EHC and Dental include 24-month survivor benefits.
- Complimentary Collage HR subscription may be available to employees enrolled in an eligible plan, restricted to diagnostic imaging centres in Canada, subject to approval and change.
- Premiums exclude applicable provincial sales tax (e.g. Ontario RST). Rates and terms are subject to Benefits by Design underwriting and may change without notice.
Group benefits are underwritten, provided and administered by Benefits by Design Inc. and its insurance partners. Human Integrity HR is not an insurer or a licensed insurance advisor; we introduced this program and negotiated preferred rates for diagnostic imaging clinics. Plan summaries on this page are for general information only and do not constitute a contract, quote or advice. Actual coverage, eligibility, limitations and exclusions are governed solely by the group policy and plan booklet. Rates, benefits and terms are subject to underwriting approval and may change without notice. Speak with a licensed Benefits by Design advisor before making coverage decisions.
BETTER BENEFITS. LESS ADMIN. MORE SUPPORT.
Tell us about your clinic and we will put together a plan for your imaging team.