Anyone who's had a traditional benefit plan over the last few years is no doubt aware that insurers are regularly raising their rates. But what if there were a way to avoid these compound annual increases? Now there is. On January 1, 2003, Menuflex™ launched the new Menuflex™ MDSA Program, an innovative approach to the provision of benefits for eligible individuals and
employer groups.  The new MDSA Program incorporates a "Medical & Dental Spending Account", enabling employers and individuals to pre-determine and "freeze" their health and dental costs and avoid
significant annual cost increases due to "inflationary trend factors" imposed by the insurers in the annual renewal.
Best of all, with an MDSA Program, you'll have more flexibility and personal choice (in terms of what expenses can be claimed and who can be covered), much broader basic health & dental coverage, and future employer MDSA costs
are not impacted by health and dental claims experience. How does it work? Read on to learn more. An MDSA Program can be implemented in a variety of employment situations. Follow the link below that best describes yours: | 
