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Health Plus plan update

November 2022 Plan Updates to Health Plus Insurance

Health Plus Insurance news

This November, Health Plus raised rates on our OPTIMUM and PRIORITY plans for the first time ever. This is unheard of in the insurance industry where rate increases are as common as the common cold. Our goal has always been to provide the best value health insurance plan on the market, without sacrificing the coverage that Canadians need. 

Why Now?

Trust us when we say we did not make this decision lightly. Healthcare costs in Canada are rising rapidly. This and the increased demand for healthcare services in a post-pandemic world have meant the cost of covering claims has also increased. To continue to provide the coverage and service plan members deserve rates had to go up. 

Save With Association Rates - Limited Time Only

Professional associations that partner with Health  Plus receive preferred pricing for their members. Now, we've extended that pricing to everyone if you apply by December 31st, 2022. Rates are guaranteed until November 2023. View Rates.

The Health Plus OPTIMUM Plan Is Now Even Better

We're continually committed to improving our Health Plus plans, as we have in each of the last five years. This year is no different. That's why we've made a few changes. 

What's New?

  • Vision (OPTIMUM plan only)
  • We've increase the vision maximum for glasses and contact lenses to $300 / 24 months after 24 months on the plan. The OPTIMUM plan also includes $75 / 24 months for eye exams.
  • Dental (Major Restorative)
  • We've increased the maximum for Major Restorative Dental after 30 months on the plan to $1000 / person per year on the OPTIMUM plan and $650 / person per year on the PRIORITY plan. 
  • Healthcare (Paramedical)
  • We've increased the Paramedical maximums on the OPTIMUM plan to $1000 per practitioner per person per year. The maximum before preapproval is now $300 per practitioner per year (up from $250) to a combined maximum of $750 per person per year. The PRIORITY plan includes up to $600 per practitioner per person per year. The PRIORITY plan maximum before preapproval is $250 per practitioner per year to a combined maximum of $600 per person per year.
  • Note: Paramedical preapproval maximums are in place for pre-existing conditions and maintenance treatment. For a new injury or illness you can submit a preapproval form for coverage up to the plan maximum. Psychology does not require preapproval.

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LifeWorks EFAP

New LifeWorks EFAP Platform Now Included With Health Plus Plans to Help You Thrive

Individual Health Insurance

New LifeWorks EFAP Platform Now Included With Health Plus Plans to Help You Thrive

At Health Plus we know a lot goes into taking care of our health. We know we should eat well, work out, manage stress, take care of our relationships, and create work life balance. It can be a lot. Which is why we’re excited that all Health Plus PRIORITY and OPTIMUM plan members now have access to the new LifeWorks employee and family assistance program (EFAP).

LifeWorks, previously Shepell, has rebranded and offers plan members even more than before. The new platform provides the same great support services, including counselling, digital wellbeing tools and more. An easy-to-use online platform and mobile app with customizable news feed allows members to get the most from their EFAP on topics important to them. Plus new perks: exclusive offers, discounts and cashback from major brands help members save money on everyday essentials.

LifeWorks can help you …

  • Take care of your mental health, even in times of crisis
  • Cope with stress and workplace issues
  • Navigate relationships
  • Find child and elder care resources
  • Get advice on legal and financial questions
  • Save money with discounts on purchases for work and play

LifeWorks is …

  • FREE – Included in all Health Plus PRIORITY and OPTIMUM plans, there is no extra cost to access the LifeWorks platform and tools or connect with a counsellor. 
  • CONFIDENTIAL – The EFAP is completely private. Your information or how you use the platform will not be shared with anyone, including Health Plus.  
  • PROFESSIONAL – Services are provided by Masters level experts in the field.

LifeWorks EFAP is available through the Health Plus partnership with Beneplan. Visit the Health Plus Resource Centre for more information about how to access. Click here to apply for Health Plus or get in touch with any questions.

plan updates

Even More Health Plus Plan Updates For You

At Health Plus our goal is to provide the best health and dental plans to small business owners and freelancers. That means continually looking for ways to offer more coverage and working to keep  rates low. We know the past two years have brought a whole new range of challenges for all Canadians, particularly small businesses. Your insurance plans should help you lead a healthy life through the ups and downs. 

Current News ... 

We're happy to announce that effective December 1st, 2021, we've increased the Vision maximum (OPTIMUM plan) for eye exams from $50 to $75 every 2 years. We've also added coverage in both our PRIORITY and OPTIMUM plans for Intrauterine Devices (IUDs) as a form of contraception. This change was prompted by a client request and brings coverage in line with the health needs of Canadians. 

Keeping Your Rates Low ...

We are extremely proud that, as other insurance companies have increased rates, we have kept our plan rates the same. In fact, we have never raised our rates, something no other insurer can say. We also continue to offer the same low pricing at all ages. 

A Look Back ... 

As we mentioned, making the plan better for our members has always been important to us. Updates in the last few years include adding an Employee Assistance Plan (EAP), coverage for Major Restorative Dental, increasing dental coverage maximums, extending travel emergency health coverage and lowering rates for single parents. 

plan updates

Wellness is Always a Priority ...

Health is more than just visits to the dentist. It's also about your mental health, emotional wellbeing, and financial wellness. We are committed to making wellness a part of our everyday lives. That's why we include free wellness benefits for our plan members and offer regular Wellness Moments on our blog and social media. And, wellness stays top of mind as we continue to build our plans. 

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Health Plus News - Higher Maximums

New Higher Maximums for Paramedical and Dental

In 2021 You Deserve a Health Plus Plan Upgrade ... 

We designed our Health Plus PRIORITY and OPTIMUM plans to provide small business owners, freelancers and contract workers with better coverage for less than the big-name company plans. To ensure we continue to meet that goal, we’ve added to our plans every single year. 2021 is no different. In an especially tough year for business owners and freelancers, we want to make sure Health Plus plans are there to help. So we made a few changes.  

Paramedical Services  

To make it even easier for plan members to get the treatment they need we’ve increased the paramedical maximum from $150 to $250 per person / practitioner / year without pre-approval. All practitioners are still covered up to $750 per person / year with approval.  


For OPTIMUM Plan Members we’ve increased the Basic and Preventative Dental Maximum from $1000 to $1500 per year, effective after 2 years plan membership. (Annual maximums are measured on a calendar year basis and begin January 1st.) 

Always Low Rates  

We’re committed to keeping rates low. In fact, we have never raised our plan premiums. Most insurance companies raise rates every year. We know our clients trust us to provide the best value coverage.  

Wellness Resources Always There to Support You 

Health Plus plans continue to come with extensive professional wellness resources to help with life and business challenges. The Shepell EAP provides professional counselling, online health, financial and family resources and programming all free of charge.  

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Have questions? Contact Us

Ready to get covered?

health plus plan upgrades

New Health Plus Plan Upgrades

Exciting Upgrades to Your Health Plus Plan

At Health Plus we’re always working hard to make sure our members have the best benefit plans available. This year we’ve made big improvements to both our Optimum and Priority plans. First, we brought in 3 great Wellness Resources, available to all members at no extra cost. Now, we’re working with new partners to help us make your insurance even better.  


Being a parent is tough, especially if you're building a business, which is why we're committed to offering the best rates for families and we've added a new reduced rate for single parents. 




Parent + 1 child 



Parent + 2 children



For parents with 3 children existing Family rates apply. *Rates per month including tax.


We've extended existing coverage and added completely new coverage.  So whether you run your own business, freelance or work on contract you can be sure you're getting the best value available. 

  • NEW  Major Restorative Dental Coverage, including Crowns, Bridges, and Dentures. Optimum plan maximum $600 / person / year.  Priority plan $400 / person / year. *Eligibility after 18 months of plan membership  
  • Extended Travel Coverage. Out-of-country emergency health coverage extended to 60 days (from 30 days) so you can enjoy peace of mind on longer trips without having to buy any more travel health insurance.  
  • Higher Vision maximum (Optimum plan). Coverage for glasses and contact lenses increased to $200 from $150 every 2 years.  


As a small business ourselves, we understand the demands and look at things from your point of view. We  want to make sure we work with companies with the same commitment to meeting your needs. To help bring you these latest plan improvements, we've partnered with MDM Insurance Services and The Cooperators, two companies who, combined, have been serving Canadians for over 100 years.

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Health Plus New Services

New Wellness Services

We've just added even more benefits. For everyone. 

You know Health Plus already offers great coverage for health bills, routine and unexpected.   Now there are even more advantages that come with your plan

The new benefits we’ve added are not what you might expect. In fact, they’re not usually available if you work in small business or on your own (unless of course you search and pay).  We think that’s just not right.  That’s why we chose these new services for you. 

Health Plus now includes three professional Health and Wellness Resources.  No added cost, no claims required, customized to your needs.  Designed to help you, your family and business thrivethe new services are simply here when you need them.  

Answers, information, someone to listen, professional advice ...

Life, work and relationships can present challenges and questions.  Now with Health Plus you have access to the Employee and Family Assistance Program (EFAP) from Shepell.  For the times you simply want a sounding board or professional view on a health, financial or relationship matterfrom day care options to career moves.  Or the times you’re facing a serious situation that's causing anxiety or poses a risk to you or someone close.   
Your EFAP is available 24/ 7 by phone, email or textin many languages.  The on-line library alone has hundreds of resources on dozens of topics. Experienced Shepell professionals can help connect you with more specialized and longer term services if needed. Used to be only people in a big employer plan had an EFAP.  Health Plus is the only plan that includes it for you ... even when you’re on your own.  With your Health Plus plan, now you can count on Confidential Counselling and Resources.

Fewer side effects, faster route to wellness when you take prescription drugs ... 

A personal pharmacogenetic test is new science that helps your doctor prescribe the right drug in the right dose for your unique DNA.  A simple test you do yourself at home can help reduce adverse / allergic reactions and avoid the ‘trial and error’ process it sometimes takes to find the right meds for physical or mental health concerns.  In some cases, it can be life-saving.  Test results are interpreted by the Health Plus consulting pharmacist who reviews them with you (and your doctor if you agree) and even suggests non-pharma treatment too.  You’re on your way to wellness more quickly with a Personalized Prescribing Plan.   

A professional HR department even when you're a company of one ...

Whether you’re solo, employ staff, or work for someone else, you may have questions about contracts, compensation, policies, or other workplace concerns. Now, you can call the experienced HR professional at our partner, Beneplan for answers, suggestions on best practice, even policy templates. Without the cost of hiring a consultant, when you're a Health Plus client, you can call on Custom HR Advice.  

You can see why we're excited to say Health Plus benefits just got better. 

We’ll be posting details very soon on how to access this toolkit of services.  In the meantime, visit workhealthlife.com, click 'browse as a guest' below the sign in, for a sample of the extensive EFAP support.  If you want to explore any of the three new services further before our next post, please contact us at Health Plus.  416-498-6944, 877-218-0394 or info@healthplusinsurance.ca.   We’ll be happy to connect you directly.   

  • 416-498-6944
  • 877-218-0394