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YXE Benefits Provides the Chambers Plan Group Benefits in Saskatoon > Blog > dental benefits Saskatoon

The Chambers Plan Dental Coverage: What a Mouthful!

YXE Benefits offers the simple, stable, smart group benefits choice for Saskatoon businesses; combining accessibility, flexibility and the stability of pooled benefits. Saskatoon companies choose the The Chambers of Commerce Group Insurance Plan because it offers unsurpassed value & outstanding customer service. The Chambers plan group benefits are for Saskatoon Chamber members. In our latest post, we discuss dental coverage benefits offered through The Chambers Plan at YXE Benefits Saskatoon.

The Chambers Plan Dental Coverage: What a Mouthful!

The Chambers of Commerce Group Insurance Plan offers a wide range of dental options, designed to meet a variety of budgets and employee expectations. Basic coverage includes such things as check-ups, cleanings and x-rays; while more comprehensive coverage includes services like crowns, dentures and orthodontic services. So take a few moments and make sure your dental plan is up-to-date. A regular visit to the dentist will not only help you to maintain a healthy smile, but a healthy body as well!

What is Included in Dental Coverage with The Chambers Plan?

Whether you’re looking for basic maintenance or major coverage, our Dental insurance plans can help cover the cost of dental care for your employees and their families. Payments for Dental claims are typically processed within 48 hours. Employees can also track claims, review coverage and even see when they’re next eligible for a check-up by going online and using my-benefits.

Basic Dental coverage can include:

Check-ups and complete dental exams
Fluoride, polishing and scaling
Dental x-rays, periapical films and panoramic film
Pit and fissure sealants
Minor restorations including fillings and prefab crowns
Oral surgery – removal of erupted or impacted teeth or residual roots, and associated anesthesia

Endodontic and Periodontal procedures include:

Root canal therapeutics
Gum treatment

Major Dental coverage can include:

Crowns and onlays, dentures and bridges
Denture relining and rebasing, repair of dentures or bridgework

Orthodontic Dental coverage can include:

Orthodontic exams, X-rays and casts
Braces and retainers for dependents not yet 17 years old

Take care of your employees with dental coverage through The Chamber Plan. Get a free quote from YXE Benefits today.

We encourage you to connect with us on our Saskatoon social media platforms on Facebook, Twitter & Linkedin.

‘Join the Group- It’s Time To Benefit’

www.yxebenefits.ca

YXE Benefits Shares 2019 Buck Survey Indicating That Drug Claims Are Expected to Rise

YXE Benefits offers the simple, stable, smart group benefits choice for Saskatoon businesses; combining accessibility, flexibility and the stability of pooled benefits. Saskatoon companies choose the Chambers group plan because it offers unsurpassed value & outstanding customer service. The Chambers plan group benefits are for Saskatoon Chamber members. In our latest post, we share the information from the recent Drug Claims Expected to Rise in 2019 Survey.

Prescription Drug Costs represent the majority of private Health Spend

Benefit plan sponsors can expect to see a three to five per cent increase in prescription drug claims in 2019, according to Buck’s annual Canadian health-care trend survey.

However, the survey noted, since insurance providers also add a market inflation factor, the projected increase is actually 10.99 per cent, down from 12.45 per cent in 2018. Based on 2018 claims trends, the survey found prescription drug costs represent the majority of private payer health spend and have the greatest influence on employer benefits cost trends.

“Our survey shows that although actual drug claims remain relatively stable, insurers continue to project a faster rate of increase due to market inflation.” Buck Survey 2019

Dental Benefits usage also on the rise

It also found the use of dental services is on the rise, increased slightly over the past two years to 5.86 per cent in 2019. And while hospital inflation factors consistently reduced between 2015 and 2018, this trend reversed in 2019 with the insurer trend increasing to 10.03 per cent from 2.6 per cent in 2018. However, this cost represents a relatively small portion of plan spend.

“Insurance providers factor projected market inflation into the rate-setting calculation, and this has the potential to drive plan costs both higher and faster than the actual trend in health-care spending.”

Medical advances and other factors to influence health care costs

The survey noted medical advances, demographic trends and regulatory oversight will influence health-care costs over the next few years, so employers should consider how their plans will evolve to ensure employees are healthy and productive while keeping costs under control.

“Medical, prescription drug and dental care coverage make up an important component of employees’ total compensation. To help contain costs, companies need to think creatively about how they can encourage a healthy lifestyle for employees and embrace medical advances in testing and treatment to achieve better health outcomes.”

We encourage you to connect with us on our Saskatoon social media platforms on Facebook, Twitter & Linkedin.

‘Join the Group- It’s Time To Benefit’
www.yxebenefits.ca

Extended Health Benefits Of The Chambers Plan

YXE Benefits offers the simple, stable, smart choice for Saskatoon businesses; combining accessibility, flexibility and the stability of pooled benefits. Saskatoon companies choose the Chambers group plan because it offers unsurpassed value & outstanding customer service. The Chambers plan group benefits are for Chamber members. In our latest post, we discuss Extended Health Benefits.

With quick claim payments, rate stability, and guaranteed renewable coverage, the Chambers Plan makes it easy for you to invest in the health and well-being of your employees. 3,000 small businesses just like yours join the Plan every year across Canada. Our local YXE Benefits advisors will design a plan to fit your needs and your budget from an array of benefits and options, including extended health benefits!

Extended Health Benefits.

Health insurance helps employees and their dependents pay for necessary medical expenses that aren’t covered by their provincial plan. The Chambers Plan Health options cover up to 100% of eligible costs and provide affordable health insurance for what Canadian employees need most: prescription drugs, paramedical services, vision care, emergency travel insurance and medical equipment and supplies.

Prescription Drug Coverage

You want a prescription drug plan that is affordable, easy to use, provides comprehensive coverage and can save time and money. The Chambers Plan uses TELUS Assure pay direct cards for easy, convenient, real-time adjudication of drug claims right at the point of purchase.

The Chambers Plan also uses the TELUS Health National Formulary – an evolving list of prescription drugs that ensures coverage and accessibility to safe, cost-effective, quality drug therapies. The Plan pairs the formulary with a second, higher co-pay tier to encourage patients to make smart choices while providing coverage for the most frequently dispensed medications. Read more about the National Formulary

Paramedical Practitioner Services

Chambers Plan Health options cover many paramedical practitioner services at the usual and customary rates, with maximums ranging up to $600 per person per type of service in a calendar year.

Audiologists / Chiropractors / Podiatrists and Chiropodists / Massage Therapists / Acupuncturists / Physiotherapists / Licensed Speech Therapists / Licensed Clinical Psychologists / Naturopaths / Osteopaths / Clinical Dieticians

Medical Equipment and Supplies

Up to $25,000 per person toward home nursing care
Emergency ground or air ambulance to the nearest hospital
Up to $700 per person toward the purchase and installation of a hearing aid

Emergency Travel Insurance

Emergency travel insurance for employees and their dependents is included in every Chambers Plan Health option. Travel insurance includes coverage for eligible expenses resulting from a medical emergency outside an employee’s province of residence and includes services such as:

Telephone translation services / Emergency medical funding and evacuation / After-hospital care and nursing / Returning dependent children to their home / Trip interruption / Return of vehicle

Vision Care (Glasses, Contacts, Eye Surgery)

The Chambers Plan offers up to $200 of Vision Care benefits per individual.

Your YXE Benefits Chambers Plan advisor in Saskatoon can provide a complete list of Extended Health Care benefits based on the option you choose.

We encourage you to connect with us on our Saskatoon social media platforms on Facebook, Twitter & Linkedin.

‘Join the Group- It’s Time To Benefit’
www.yxebenefits.ca

YXE Benefits your Best Saskatoon Group Benefits Option

YXE Benefits offer the simple, stable, smart choice for Saskatoon businesses; combining accessibility, flexibility and the stability of pooled benefits. Saskatoon companies choose the Chambers group plan because it offers unsurpassed value & outstanding customer service. The Chambers plan group benefits are for Chamber members. In our latest post, we discuss the role of the local Saskatoon group benefits advisors and why we offer the best Saskatoon group benefits option.

YXE Benefits is the brand representing your Saskatoon Chambers Plan advisors. The local group benefits team at Wiegers Financial & Benefits and Aurora Financial are a source of knowledge and experience who can identify coverage solutions for your firm’s unique needs. Whether it’s simply to review your current coverage or to address budget or additional coverage needs, they can help you choose options that best suit your company.

Your YXE Benefits Saskatoon Advisor Can Guide You

Your Saskatoon advisor can help design a benefit plan that meets your specific needs. From set-up to questions about coverage, your Chambers Plan advisor is your Saskatoon Plan advocate.

Your YXE Benefits Saskatoon Advisor Will be There for You

From answering your employees’ questions to helping with a claim, they are members of your community – always there to help you.

The Best of Both Worlds

With the Chambers Plan, you have the support of a local Saskatoon presence who knows your business and your city, and the strength of a national program specifically designed for small to midsize Saskatoon businesses who are Chamber members. You can see why we are confident we offer the Best Saskatoon Group Benefits!

We encourage you to connect with us on our Saskatoon social media platforms on Facebook, Twitter & Linkedin.

‘Join the Group- It’s Time To Benefit’
www.yxebenefits.ca

Archive

The Chambers Plan Dental Coverage: What a Mouthful!

The Chambers Plan Dental Coverage: What a Mouthful!

What is Included in Dental Coverage with The Chambers Plan?

Basic Dental coverage can include:

Endodontic and Periodontal procedures include:

Major Dental coverage can include:

Orthodontic Dental coverage can include:

YXE Benefits Shares 2019 Buck Survey Indicating That Drug Claims Are Expected to Rise

Prescription Drug Costs represent the majority of private Health Spend

“Our survey shows that although actual drug claims remain relatively stable, insurers continue to project a faster rate of increase due to market inflation.” Buck Survey 2019

Dental Benefits usage also on the rise

“Insurance providers factor projected market inflation into the rate-setting calculation, and this has the potential to drive plan costs both higher and faster than the actual trend in health-care spending.”

Medical advances and other factors to influence health care costs

YXE Benefits your Best Saskatoon Group Benefits Option

Your YXE Benefits Saskatoon Advisor Can Guide You

Your YXE Benefits Saskatoon Advisor Will be There for You

The Best of Both Worlds

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