Innovative Benefits Solutions

We are a premier provider of Private Health Service Plans in Alberta and across Western Canada What is a Private Health Service Plan? A Private Health Service Plan (PHSP) is a self-insured, Health & Dental Plan approved by the Canada Revenue Agency in 1987 to put self-employed business owners on equal footing with larger companies who have the ability to provide Tax-Free Benefits Plans allowing a non-taxable reimbursement for employees (and their dependents). In simple terms, a PHSP is a Health & Dental Plan that allows business owners to pay for their, their dependents, and their employee's medical and dental expenses with Pre-Tax Corporate Income versus After-Tax personal income reducing your health and dental costs by as much as 40 percent depending on the individual’s marginal tax rate. Our benefits plan outlays are tax-deductible business expenses while claim proceeds are received tax-free.