PLANS
Smarter Benefit Packages
Explore how we bring together HSAs, LSAs, and Complete Protection into seamless, flexible employee benefits packages - while maximizing value for you and your team.
Selecting the Best
NHC Package For You
Tier 1
Flexible Accounts
OPTION 1
HSA Only
Best for covering medical, dental, vision, and mental health expenses in a tax-efficient way — and for topping up group benefits by covering what’s unpaid or not included in traditional plans.
✅ Simple, compliant coverage for everyday health needs
✅ 100% deductible for the business, tax-free for employees
✅ Modern alternative — or complement — to traditional group benefits
OPTION 2
LSA Only
Best for going beyond traditional health coverage and investing in employee lifestyle, and overall well-being. LSAs are flexible funds employees can use for the things that matter most in daily life — from fitness and family to professional growth.
✅ Covers fitness, learning, childcare, commuting, wellness, and more
✅ Deductible for the business, taxable benefit for employees
✅ Flexible, modern perk that strengthens culture and retention
OPTION 3
HSA + LSA
The best of both worlds — healthcare coverage plus lifestyle perks. Flex gives employees the freedom to personalize their benefits, showing them that their employer values what matters most in their lives.
✅ Flex Option: Employees receive a total annual allocation and decide how much to direct into HSA vs. LSA for the year
✅ Combines full medical coverage with lifestyle flexibility
✅ Demonstrates genuine care while meeting diverse employee needs
OUR PICK
Tier 2
Complete Protection
CoreHealth+ Coverage
Add Essential Protection to Your Benefits
Round out your HSA and LSA with insured coverage for life, critical illness, accidental death & dismemberment, emergency travel medical, and high-cost medical expenses.
-
Employee: $15,000
Spousal: $10,000
Dependent Child (per): $5,000
-
Benefits for certain injuries and/or death due to an accident.
Benefit amount: Up to $60,000
-
Financial assistance and support to employees diagnosed with a critical illness.
Benefit amount: $10,000
-
Protects you from unexpected costs due to medical and other emergencies while traveling outside your province of residence.
$2,000,000 lifetime maximum
60 day per trip coverage
Travel Assistance service included
-
Peace of mind protection - $25,000 additional coverage for Plan Members (or $5,000 for Dependents) in the case of accidental death during planned surgery, including option for members to purchase top-up coverage.
-
$25,000 yearly maximum (for each expense category) per injury or sickness
$50,000 lifetime maximum (for each expense category) per injury or sickness
-
World-renowned specialists are here to help when you have doubts or questions about a diagnosis, treatment plan, or need for surgery.
Get help if you are unsure about a diagnosis or need help deciding on a treatment option.
Ask medical questions or concerns to our leading experts.
Find a local specialist or one outside of Canada who meets your specific criteria.
Get help navigating the healthcare system with useful resources
Simple, Transparent Pricing
TIER 1 FLEXIBLE ACCOUNTS
No monthly premiums.
HSA/LSA Cost
No monthly premiums.
No wasted dollars.
You only pay when employees use their accounts.
Each claim has a small admin fee to cover secure processing and CRA-compliant administration.
100% of the remaining dollars go directly to your employees.
Result: You stay in control of costs, with no surprise renewals or unused premiums.
TIER 2 COMPLETE PROTECTION
$29.99/$39.99 /month
Single or Family Coverage Add-On
CoreHealth+
Add essential protection to your benefits.
That’s it. One low monthly rate for peace of mind — life insurance, AD&D, critical illness, emergency travel medical, surgical risk insurance, stop-loss coverage and Teledoc Medical Experts — all included.
Pair with an HSA/LSA for a complete, cost-effective benefits solution.
HSA vs LSA: What’s the difference?
-
Health Spending Account (HSA)
Eligible Expenses: An HSA is a flexible health benefit account that reimburses employees for a wide range of medical and healthcare costs. The CRA determines which expenses are eligible, such as:
🦷 Dental care (cleanings, braces, major procedures)
👓 Vision (glasses, contacts, laser eye surgery)
🧠 Mental health (therapy, counselling, psychology)
💊 Medical expenses (prescriptions, paramedical, devices)
Tax Treatment (Employer): 100% tax-deductible business expense
Tax Treatment (Employee): Non-taxable
CRA-Compliant: Yes
Ideal Use: Core or supplemental health coverage -
Lifestyle Spending Account (LSA)
Eligible Expenses: Think of LSAs as a flexible perk wallet. Employers set the rules, and employees choose what matters most to them — whether that’s:
🏋️ Fitness & wellness (gyms, yoga, sports leagues)
🧘 Mental well-being (meditation, apps, retreats)
📚 Professional growth (courses, conferences, training)
🚲 Lifestyle perks (commuting, childcare, hobbies)
Tax Treatment (Employer): 100% tax-deductible business expense
Tax Treatment (Employee): Taxable income
CRA-Compliant: Yes (as taxable benefit)
Ideal Use: Add-on lifestyle perks