Protect Your Health, Family, and Practice.
Flexible Health and Dental Benefits at Competitive Rates – so you can focus on what you do best.
Mix and match your coverage options to create a plan that fits your needs and your budget, whether for yourself, your family, or your employees. Let us help you continue to do what you do best!
Plan Design Options
Bronze, Silver & Gold
- Life & Dependent Life Insurance
- Long-Term Disability Coverage: Income protection in the event of disability.
- Extended Health Care (EHC): Coverage for prescription drugs, medical supplies, massage therapy, chiropractic care, physiotherapy, and more.
- Dental Care: Preventative services including cleanings, check-ups, x-rays, as well as crowns, dentures, and child orthodontics.
Additional Plan Enhancement Options
- Health Spending Account: To help cover health expenses that are not covered under your core plan.
- Employee Assistance Program: Confidential counselling, resources and support services.
- Medical Second Opinion: Access to expert medical reviews.
- Virtual Care: Direct virtual access to medical professionals via video or text.
Your Perfect Plan
Mix and match based on your needs! Bronze, Silver or Gold for EHC, Dental, Life Insurance Benefits, and optional coverage for the perfect fit!
Plan Design Options
Learn more about plan details and rates to pick your perfect plan to suit your needs.
Learn More
Heath Spending Account
A Health Spending Account (HSA) is a non-taxable, flexible way for employers to contribute towards employee medical/dental expenses.
HSA Features
Learn more about Health Spending Accounts.
Learn More
Get Started Today
Start your application for coverage today! With our online application process you can pick your plan and apply for coverage today!
Get Started Today!
Apply for coverage now online in a few easy steps you'll be on the road to coverage in no time!
Appy Now!
Disclaimer: In the event of any discrepancies, errors or omissions found between this website calculator and the posted plan design and rates agreement, the terms in the plan design document will prevail.
Who Is Eligible?
- Members of Consultant Specialists of BC under age 65 at the time of application.
- New members/residents: 90-day enrolment window without proof of health.
- Staff eligibility: Employed at least 24 hrs per week and under age 65.
Key Advantages
Enhances Overall Health
Access to essential services not included in provincial healthcare plans.
Reduces Financial Risk
Helps manage out-of-pocket costs associated with medical and dental expenses, offering security for employees and their families.
Supports Workplace Productivity
Benefits contribute to employee wellbeing, retention, and the recruitment of high-quality talent.
Calculate Your Monthly Premium
Get Started Today!
Step 1. Choose Your Plan
Using the online form, you will be prompted to select a plan that suits your needs.
FAQ
Frequently Asked Questions
Specialists
- A member of CSBC
- Under age 65 at time of enrolment
- Actively working a minimum of 24 hours per week
- Residing in Canada
Medical Office Staff
- Must be employed by a medical office participating in this plan
- Under the age of 65 at time of enrolment
- Actively working for the medical office at least 24 hours per week
- Medical staff must be enrolled within 3 months of employment and must complete a 3 month waiting period
Mandatory benefits like Life and Dependent Life help stabilize insurer risk and maintain group plan premiums.
Mandatory benefits ensure a strong foundation of protection for everyone in the plan. Optional benefits give employees the flexibility to add coverage that suits their individual circumstances without increasing costs for the full group.
The following optional benefits are available to personalize your protection.
- Long-Term Disability (LTD)
- Health Spending Account
- Employee Assistance Program
- Medical Second Opinion
- Virtual Care
- If you are applying as only a Specialist (ie. no employees), your coverage is effective on the 1st of the month following medical approval
- If you are applying with more than 1 individual (ie. Specialist and at least 1 more employee), your coverage is effective on the 1st of the next month of applying for coverage
An eligible dependent means:
- your legal or common-law spouse, or
- your unmarried children under age 22, or under age 25 if they are a full-time student
Dependents must enroll in the plan unless they have alternative coverage with another insurance company
If you experience a life event, such as marriage or common-law partnership; birth or adoption of a child; loss of spousal coverage; or divorce or separation, please contact RWAM csr-groupadmin@rwam.com to obtain a change form.
- All benefits (except Long-Term Disability) terminate at age 75
- Long-Term Disability terminates at age 65
The plan renews annually. At renewal, premiums and plan design may be reviewed and adjusted based on claims experience, plan usage, and insurer guidelines.
Rates typically change at the annual renewal. Changes can occur if the insurer adjusts premiums based on claims trends, demographic shifts, or modifications to the plan.
A Health Evidence form is required when:
- You apply for coverage for fewer than 2 employees, and
- If applying 90 days after the enrolment date (late applicant)
Contact Us
Derrek Quon
Employee Benefits Consultant
Group Benefits provided in association with Navacord and RWAM Insurance Administrators Inc.