Fully-Pooled Benefit Plans
In today's employment landscape, a lot of people can appreciate the fact that you need a competitive edge. Whether you are a single person corporation, sole proprietorship or a small to medium sized business. You may not have access to the plans available to the larger corporations in your industry, leaving you at a disadvantage. That is where Minaya Financial makes the difference. With the ability to insure all the way down to a sole proprietorship or a single person corporation, we have the plan for you! Through our years in the industry, we were able to get an exclusive contract to one of the best benefit plans in the country and we want to pass that opportunity on to you.
​
No matter your companies size, if you are looking for higher coverage limits, support from a local office and low predictable premiums that you can manage year over year. Then Minaya Financial is the brokerage you want to be dealing with! Book an appointment below today and discover the Minaya Financial difference.
1
Higher Coverage Limits
Throughout the industry we have noticed that there are a lot of coverage limits that insurance companies have introduced in order to keep premiums down. Here at Minaya Financial we recognize the issues that this can cause in being able to properly take care of your health. Our fully-pooled benefit plans have coverage limits that are traditionally higher than other similar plans in the market. If you are finding that the coverage you have or are considering is not currently enough, consider booking a meeting with us to discover the Minaya Financial difference. We promise you won't be dissapointed.
2
Low Predictable Premium Renewals
Here at Minaya Financial we have been witness to some incredibly high premium renewals and we understand what this can do to a business's bottom line. Some of these premiums renewals can be as high as 50% (year-over-year) in a claims-heavy period for some of the other plans in the market. In all of our years specializing in Group Benefits we can proudly say that we have never had a premium renewal higher than 10% within our fully-pooled benefit plans, with our premiums traditionally renewing between 5-10%. Even if you are a larger corporation, if you would like to have low predictable premium renewals, make sure you consider Minaya Financial.
3
Non-Formulary Prescription Drug Coverage Availability
In today's age, advancements to prescription medications have skyrocketed in recent years and the availability of generic drug alternatives to brand name drugs have become very prevalent. The difference between brand name and generic isn't always big, but sometimes it can mean the difference in a comfortable treatment plan or not. We at Minaya Financial saw how this affected our clients so we diligently researched the market to find a fully-pooled plan that has access to the full pharmacy, rather than generic only coverage. Through our exclusive contracts we were able to establish a plan that can provide this service, so that no matter what your doctor writes on their prescription pad, we can always have coverage to fulfill those needs.
4
Single Person Corporation and Sole Proprietorship Coverage Benefit Plans
When dealing with some of the traditional plans in the market, known as claims-rated plans, certain businesses do not have the employee count to get a plan. With our fully-pooled plans, we do not have a minimum count of employees because you are joining our pool, rather than establishing your own. Not only does this allow us to have predictable premiums, it also means that no matter the size of your group, we can get you a plan. Not only can we always provide a plan, but the same coverage available in our fully-pooled plans to large corporations are available to our smaller ones to make sure you can always maintain your competitive edge, even when facing your larger competitors. If you were ever told that your group is too small to get a plan or to have certain options available, consider booking a meeting with us to discover the Minaya Financial difference.
5
Cost-Plus Included in All of Our Fully-Pooled Plans
One of the main purposes to having Group Plans, is the tax-savings associated with the conversion of medical expense write-offs to business expense write-offs. Although sometimes there isn't enough room within the plan coverage limits to fulfill all of your needs and make sure you are making the most of your tax savings. To be able to guarantee our premiums, certain limits had to be installed into our plans, although with Cost-Plus, as long as its recognized by the CRA as a medical expense we can process it through the plan to make the most of your write-offs. Interested in learning more? Feel free to book an appointment with us to find out more and to discover the Minaya Financial difference.
