Simple and flexible to use, our benefit plans are tailor-made to support the well-being of your employees and their families. You can choose the plan that best suits your organization and everyone on your payroll — both hourly and salaried staff.
Healthy employees are happy employees
Our comprehensive benefit plans are not only cost-effective, simple to use and easy to access, they’re portable between companies participating in the OpenCircle Hour Bank Plan too. This means workers can maintain coverage on the job, between work—even during layoffs.
OpenCircle benefits include:
Health and Wellness
Our flexible benefits support both mental and physical aspects of your overall health.
Life Insurance and Income Replacement
OpenCircle’s life insurance and income replacement ensures you and your loved ones are safeguarded from financial loss due to disability or death.
Simple Access and Easy to Use
Our direct billing, online claim submissions, and convenient app make it easy to access your benefit information any time—anywhere.
Health and Wellness
We support your well-being
All plans include a dental care benefit. We have three levels that companies can choose from, meaning that our plans can meet the diverse needs of your group. All dental care options include coverage for basic and major dental, and some plans include orthodontic coverage for children, and even adults.
Employers can select a plan that provides 80% or 100% coverage for eligible drugs. With no lifetime or annual maximums, your employees will be protected against rising drug costs.
All plans include a vision care benefit. We have three levels that companies can choose from, meaning that our plans can meet the diverse needs of your group. All vision care options include coverage for eye exams and prescription eyewear. Employees also have an additional $150 benefit for prescription safety glasses for on-the-job.
100% coverage for semi-private hospital, medical equipment and supplies, and out-of-country medical emergencies. Paramedical coverage for physiotherapists, chiropractic, psychologists, massage therapists and more, subject to hourly and annual limits.
24/7, 365 days a year access to professional counselling and much more.
Coverage of up to $2,000,000 CAD per incident is available in the event of an unexpected medical emergency outside of Canada.
Connects individuals and their treating physicians with world-renowned specialists to confirm the correct diagnosis and treatment plan, without having to leave home. It also assists in navigating the health care system through one-on-one coaching and support.