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| Menuflex™ for Small Employer Groups |
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employees greater flexibility of personal choice regarding their benefit coverage, while controlling corporate costs today and in the future, have several Menuflex™ Benefits Programs to choose from in lieu of a traditional group program. | | | | Why not a traditional Group Program?
 Group Insurers typically require 100% of all full-time staff in a group of under ten employees to participate initially and at all times in the future, and the employer to contribute at least 50% of the monthly cost.
In many small groups, there are always one or two employees who do not want the coverage, or cannot afford the cost even at 50%.
But Menuflex™ Programs offer a very viable alternative because: | | | | - there are no participation requirements from the group, and participation is voluntary,
- employer contributions are optional. For example, our Basic & PLUS programs can be implemented on a fully employee-paid basis, while our MDSA program is designed around a defined employer contribution,
- participants can pick the coverage that best meets their need and ablility to afford,
- there is no administration involvement for the employer other than distributing the Program flyers and Application Forms / Health Declarations
- there are no membership fees & no medicals.
So, what different Menuflex™ Programs are available to employer groups? Well, there are five different Health & Dental Programs, a Disability Insurance Program and even an Expatriate Program for employers who send staff to work abroad. Scroll down to find out more...
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| Menuflex™ Basic / PLUS
Our flagship plans, the Menuflex™ Basic or Menuflex™ PLUS Programs have been designed for the individual requiring benefits protection, including, but not limited to casual / contract / part-time employees, these plans are fully portable for participants, flexible in design and intended to meet the needs of a wide variety of personal and employment situations.
These plans are easily offered on a voluntary participation basis without any minimum participation
required from an employer group. They do not change the employment relationship with contract workers, and there is no administration involvement for the employer! Available coverage includes Extended Health Care, Dental, Paramedicals, Hospital, Out-of-Country, AD&D, Critical Illness and much more. LEARN MORE... |
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Menuflex ™ MDSA (Medical & Dental Spending Account)
The new MDSA Program incorporates a "Medical & Dental Spending Account", enabling employers and self-employed individuals to pre-determine and "freeze" their health and dental costs and avoid significant unnual cost increases due to "inflationary trend factors" imposed by 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), along with much broader basic health & dental coverage. LEARN MORE... |
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| Menuflex™ SELECT
The new SELECT
version of the Program incorporates a 20% co-payment on all benefits. The Extended Health Care (EHC) Benefit pays 80% of all eligible expenses up to a maximum of $25,000 per person per policy year. The Dental Benefit (which can only be purchased with the EHC) pays 80% of eligible Basic Dental expenses up to a maximum of $1,500 per policy year. (Periodontic services are reimbursed at 50%). LEARN MORE... |
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Sponsored Programs
Sponsored Programs have been custom-tailored to suit the needs of a specific company or organization. As such, each program is intended for and only available to eligible members or employees.
If you have been referred here by, or if you belong to one of the organizations below, follow
the appropriate link to access information and coverage options specific to your program. Interested in a Sponsored Program for your organization? Please Contact Us.
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| Menuflex™ Disability / Income Protection Program
Protect your most valuable asset - your ability to work and earn an income. The new Menu
flex Income Protection Program™ is designed to provide a unique combination of monthly income benefits and tax-free lump sum payments in the event you suffer a serious injury or critical illness and are unable to work - temporarily or permanently! The benefits may be purchased separately, but for total, comprehensive income protection we recommend the complete package of protection be
purchased together. LEARN MORE... | 
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| Odyssey Expatriate Benefits Program
Provides comprehensive worldwide protection for employees and family members on temporary or permanent foreign assignment, including to the USA. Designed specifically to address the increased exposure to unusual risks and much higher health care costs abroad, available coverage includes:
Medical, Dental, AD&D, War Risk & Terrorism, Long Term Disability, Emergency Medical Evacuation, Group Life and more. The Odyssey™ Program can also be used for employed impatriates. LEARN MORE... |
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