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Investing in Your Company’s Health

Our team’s extensive knowledge focuses on creating sustainable benefit plans with attention to both your budget and what your employees need.

As an employer of valuable humans, you want to take care of them with a stellar benefits package.

Choosing a great plan that gives your people what they need and works with your budget is crucial. But the duties don’t end there. So when you’re struggling with claims processing, renewals and endless administrative detail, it can leave you reassessing the relationship with your advisor. After all, no leader should feel unsupported in managing such a critical aspect of your team’s well-being.

Through implementation and ongoing management, we’re always in your corner. Our experience is both deep and wide. Our support is bar none. And we unapologetically advocate for every dollar your organization and employees can save.

Employee Benefits

Services Offered

Extended Health & Dental

Ensure your employees have comprehensive health coverage through Extended Health & Dental plans. These options include coverage for prescription drugs, paramedical practitioners (such as Massage Therapists, Physiotherapists, Chiropractor, etc.), medical equipment and supplies, and dental care, providing essential healthcare support. Offering robust health and dental benefits help attract and retain top talent while prioritizing employee well-being.

Disability Management Support

Navigating employee absences due to illness or injury can be complex—Disability Management Support services help simplify the process. From coordinated return-to-work plans to rehabilitation and benefits coordination, we facilitate support for both your organization and your employees, promoting recovery and minimizing workplace disruptions.

Flex
Plans

Flexibility is crucial for benefits that resonate with employees. Flex Plans provide customizable options that allow employers to manage costs while meeting the varied needs of their workforce. With the ability to choose coverage that suits them best, employees experience greater satisfaction and benefits alignment with their unique circumstances.

Self-Insured Options & Alternate Funding Arrangements

Gain greater control over health and dental benefit costs with flexible funding solutions like self-insured and hybrid options. In a self-insured model, the employer assumes claim risk and funds an account to cover future claims, rather than paying fixed premiums regardless of claim activity. Hybrid solutions combine traditional insurance with refund-based options, allowing for a potential return of unused premiums. These arrangements reduce carrier expenses and enable plan designs tailored to your team’s needs and budget.

Health & Wellness Accounts

Support your employees’ well-being with Health & Wellness Accounts. These accounts provide flexible funding for employees to use on eligible medical, fitness, and lifestyle expenses. As an advisor, we help employers offer added flexibility and assistance, allowing employees to select and/or top-up coverage for the services and items they value most, fostering a culture of health and personalized support.

Mental Health Support

Supporting mental well-being is essential for a productive workforce and a resilient workplace culture. Mental Health Support services offer access to counseling, therapy, and wellness resources to address stress, anxiety, and other life challenges. This proactive approach helps foster resilience, boost morale, and improve overall workplace productivity.

Virtual Care
Services

Meet modern healthcare needs with Virtual Care Services, which connect employees to healthcare professionals via secure online platforms. This includes virtual doctor consultations, mental health support, and wellness programs, providing convenient care without the need for in-person appointments. These services have an especially significant impact on employees in rural communities, where access to in-person healthcare services may be limited, ensuring that all team members receive the care they need, no matter where they are located.

Critical Illness & Specialty Insurance

Life can be unpredictable—Critical Illness & Specialty Insurance offers financial assistance when employees face serious health challenges. These benefits can provide a tax free, lump-sum payment, offering financial support at a crucial time to help employees focus on recovery and alleviate financial stress during these difficult times.

Pooled Benefit
Plans

Pooled Benefit Plans allow organizations to access broader coverage and more competitive premiums by insuring employees as part of a larger group. This approach helps stabilize costs and bring comprehensive benefits to businesses of any size.

Diagnostic & Specialist Access Insurance

Don’t let waitlists slow down access to care. Diagnostic & Specialist Access Insurance ensures employees have expedited entry to specialist consultations and diagnostic exams within Canada, enabling faster diagnoses and treatment plans, and supporting timely returns to work.

Travel
Coverage

Ensure your employees are prepared for any situation while traveling, with tailored Travel Coverage options. This type of coverage includes benefits for unexpected medical expenses, emergency evacuations, and other travel-related incidents. With our guidance, your team can focus on their travels knowing they’re protected, wherever their journeys take them.

Experience-Rated Benefit Plans

Optimize your benefit plan with Experience-Rated options that adjust based on your organization’s unique claims history. This can lead to cost savings for employers with a favorable claims record while maintaining robust coverage for employees. We help you understand these plans and make the best choice for your budget and needs.

Conversion Plan Options

Make life transitions smoother for your employees with Conversion Plan Options. These plans allow employees to convert their group insurance to individual coverage when leaving your organization. As your benefits advisor, we guide you through facilitating this seamless transition, ensuring employees retain the coverage they rely on.

Executive
Benefits

Attract and retain top talent with Executive Benefits that go beyond standard offerings. These plans provide comprehensive and enhanced coverage tailored to meet the expectations of senior leadership. We help you design packages that recognize and support your key contributors, reinforcing their value to your organization.

Why Navy & Sage Benefits?

People Focused

We care about people first and foremost. Your people. We help your company with employee retention by providing group benefit offerings that allow you to show up for your team and their wellbeing.

Results Driven

Your benefits package can and should be customized to your employees needs. A good benefits package will attract great quality employees and build stronger retention.

Let’s Chat

Navy & Sage Benefits

Leading beside you with Strength and Wisdom

“Insurance often gets a bad rap, but we’re here to change that. We believe in doing what’s right and tenaciously advocating for our clients. We have great relationships with carriers, which helps make everything go smoothly and efficiently.”

– Corrie & Terri

Meet Our Team

Client Testimonials

I have worked with Navy & Sage in the past and was extremely pleased with their active management of our group benefits plan.

Corrie and Terri specialize in active group benefit plan management, transforming the needs of companies into sustainable and cost-effective group benefit plans that cover what employees’ value.

We have been working with Navy & Sage Benefits for over five years now and are very happy with the high-level service and support we are receiving.

Terri is a knowledgeable Advisor and has provided support with policy creation, hosting employee meetings (including a wellness challenge), and skillful negotiations with our insurance carrier.

The ‘True Colors’ was a break-through in communicating and relating to each other.

I tend to reference it in conversation with staff and when approaching staff for conversation. Your hard work pulled our team together and added some great morale. I’m encouraged to build on that momentum.

I wanted to say thank you for always being there and the wonderful service over the last 10 plus years.

The Municipality is very fortunate to have your services and excellent in-depth knowledge when it comes to looking after their most important assets, their employees.

Our Organization’s Finance & Payroll departments give Navy & Sage 10 out of 10 as our benefit provider broker plus plus!

They keep exceeding our expectations and this was one of the best decisions I made in 2018.

I really appreciate your help during our collective bargaining process.

Your detailed analysis and quick response time really helped in our union negotiations and made for a successful time at the bargaining table.

I have been working with Corrie for over seven years now through my employer and I highly recommend her.

She is passionate, knowledgeable, and customer oriented!

Let’s start with a Conversation

We understand the responsibility you carry, which is why we partner with decision-makers like you to eliminate confusion and create a simple path to the right plan. So let’s start with a conversation. You can stop feeling frustrated and under-supported with what you have in place today. Instead, let’s design a cost-saving insurance plan that makes your employees feel seen, valued and protected.

Start with a Call