The Maximum Benefit Advantage

Maximum Benefit helps companies implement a self-funded employee benefit program.

Maximum Benefits offers coverage to firms that have 50 or more employees. The true advantage is that all the administration is done through the Johnston Group in Winnipeg. The Johnston Group is one of the strongest TPA’s (Third Party Administrators) in the country and is able to offer benefit coverage for a lower administration fee than most insurance companies. These savings are passed directly on to our clients.

Maximum Benefit combines insured benefits, self-funded benefits, stop loss coverage, ancillary benefits and pay-direct prescription drug adjudication under one program.

Maximum benefit provided the employer with proposals from insurers for the Life and Disability benefits, and suggested Dental and Health benefits be self-funded. Stop Loss and Travel Health coverage were added to protect the company from catastrophic claims risk.

The employer was able to choose an insurer that improved the Disability benefit and was able to provide the insured benefits at rates similar to the pre-renewal rates. Suggested funding levels for the Health benefits were reduced, and suggested funding levels for Dental remained at pre-renewal amounts.

Plan Strengths

For Control of Employee Benefit Coverage and Cost

Employee benefits are designed to meet a wide variety of employee needs, from financial protection in the event of death or disability to covering their family’s health and dental bills. Some of these events can be anticipated and budgeted for, like routine visits to the dentist and pharmacy bills. Others cannot – illness and accident are often unpredictable and the benefit costs associated with them can be substantial. Maximum Benefit programs allow you to look at these risks and costs and cover them with the best elements available in the group insurance market today.

A,B,C's of Implementing a Maximum Benefit program

A Maximum Benefit Advisor will meet with you to determine your employee benefit-related needs. Forwarding a quotation request to our head office, our benefit administration professionals will propose a solution that includes:

Quotations for the insured benefits of your program. With Maximum Benefit, you will be able to choose the benefits and insurers that best meet your needs.

Suggestions for appropriate benefits to self-fund. These typically include Health, Dental and/or Short Term Disability.

Options for Stop Loss and Travel Health coverage to limit your company’s risk of large claim costs. Stop Loss coverage ranges from $3,000 to $25,000 per insured person and the coverage level chosen is usually a function of the employer's size, nature of business, financials, and tolerance for risk.

The option of your employees enjoying prescription benefits at the point of purchase, using the TELUS Assure® card, eliminating the need for paper claim submissions.

Ancillary benefits to your program from specialty insurers and providers including Best Doctors® services, Employee Assistance programs, Critical Illness, Optional Life & Voluntary AD&D plans.

Your advisor will go over all the options and components with you, helping you choose the right mix of insured and self-funded benefits for your company’s size, demographics and claims history.

Plan Overview

Finding a benefit plan approach that works can be tough, especially with health care costs continuing to escalate year after year. Employers are looking for plans that can provide them with protection and service, while giving them flexibility and cost control.

Maximum Benefit gives companies a new way of thinking how to structure a plan that meets the employees’ and company’s needs, by giving you all the security of a fully insured plan, the cost control advantages of a self-funded program, and the benefits of using a third party administrator.

A Maximum benefit program can provide employers:

Cost Control,
Improved Cash Flow,
Plan Flexibility, and
Reporting that allows employers to manage and control costs of their employee benefit plan.

Find out how Maximum Benefit can put you in control of your employee benefit program.

The Maximum Benefit Advantage

Maximum Benefit helps companies implement a self-funded employee benefit program.

Maximum Benefits offers coverage to firms that have 50 or more employees. The true advantage is that all the administration is done through the Johnston Group in Winnipeg. The Johnston Group is one of the strongest TPA’s (Third Party Administrators) in the country and is able to offer benefit coverage for a lower administration fee than most insurance companies. These savings are passed directly on to our clients.

Maximum Benefit combines insured benefits, self-funded benefits, stop loss coverage, ancillary benefits and pay-direct prescription drug adjudication under one program.

Maximum benefit provided the employer with proposals from insurers for the Life and Disability benefits, and suggested Dental and Health benefits be self-funded. Stop Loss and Travel Health coverage were added to protect the company from catastrophic claims risk.

The employer was able to choose an insurer that improved the Disability benefit and was able to provide the insured benefits at rates similar to the pre-renewal rates. Suggested funding levels for the Health benefits were reduced, and suggested funding levels for Dental remained at pre-renewal amounts.

Plan Strengths

For Control of Employee Benefit Coverage and Cost

Employee benefits are designed to meet a wide variety of employee needs, from financial protection in the event of death or disability to covering their family’s health and dental bills. Some of these events can be anticipated and budgeted for, like routine visits to the dentist and pharmacy bills. Others cannot – illness and accident are often unpredictable and the benefit costs associated with them can be substantial. Maximum Benefit programs allow you to look at these risks and costs and cover them with the best elements available in the group insurance market today.

A,B,C's of Implementing a Maximum Benefit program

A Maximum Benefit Advisor will meet with you to determine your employee benefit-related needs. Forwarding a quotation request to our head office, our benefit administration professionals will propose a solution that includes:

Quotations for the insured benefits of your program. With Maximum Benefit, you will be able to choose the benefits and insurers that best meet your needs.

Suggestions for appropriate benefits to self-fund. These typically include Health, Dental and/or Short Term Disability.

Options for Stop Loss and Travel Health coverage to limit your company’s risk of large claim costs. Stop Loss coverage ranges from $3,000 to $25,000 per insured person and the coverage level chosen is usually a function of the employer's size, nature of business, financials, and tolerance for risk.

The option of your employees enjoying prescription benefits at the point of purchase, using the TELUS Assure® card, eliminating the need for paper claim submissions.

Ancillary benefits to your program from specialty insurers and providers including Best Doctors® services, Employee Assistance programs, Critical Illness, Optional Life & Voluntary AD&D plans.

Your advisor will go over all the options and components with you, helping you choose the right mix of insured and self-funded benefits for your company’s size, demographics and claims history.

Plan Overview

Finding a benefit plan approach that works can be tough, especially with health care costs continuing to escalate year after year. Employers are looking for plans that can provide them with protection and service, while giving them flexibility and cost control.

Maximum Benefit gives companies a new way of thinking how to structure a plan that meets the employees’ and company’s needs, by giving you all the security of a fully insured plan, the cost control advantages of a self-funded program, and the benefits of using a third party administrator.

A Maximum benefit program can provide employers:

Cost Control,
Improved Cash Flow,
Plan Flexibility, and
Reporting that allows employers to manage and control costs of their employee benefit plan.

Find out how Maximum Benefit can put you in control of your employee benefit program.