Group Benefits for Growing Teams
Attract and retain talent with a right-sized plan—health, dental, disability, life, and wellness—built around your budget.
Quick Fit Estimator
Includes Health & Dental, Life, AD&D, and Short-Term Disability with optional LTD or HSA.
What’s in a Modern Plan?
Customize with add-ons as your team grows.
Starter
Lean coverage for small teams & first-time plans.
Health & DentalLife & AD&DOption: HSAStandard
Balanced core with optional LTD and CI.
Drug & VisionDental (basic/major)STD / LTDPlus
Richer dental, CI, wellness & spending accounts.
Enhanced DentalCritical IllnessHSA / WellnessCompare Tiers
| Feature | Starter | Standard | Plus |
|---|---|---|---|
| Drug & Vision | ✔︎ | ✔︎ | ✔︎ |
| Dental (basic) | ✔︎ | ✔︎ | ✔︎ |
| Dental (major/ortho) | — | ✔︎ | ✔︎+ |
| Life & AD&D | ✔︎ | ✔︎ | ✔︎ |
| STD | — | ✔︎ | ✔︎ |
| LTD | — | Optional | ✔︎ |
| Critical Illness | — | Optional | ✔︎ |
| HSA / Wellness | Optional | Optional | ✔︎ |
Why Employers Choose GMFSI
- Independent, multi-carrier market check—no bias.
- Transparent renewals with claims analytics & fee clarity.
- Employee onboarding, education, and ongoing advocacy.
- Cost-control tools: pooling, deductibles, coinsurance, HSAs.
- Integration with pensions/GRSPs and wellness initiatives.
How We Work
15-min call to confirm goals, headcount, and budget.
We compare carriers and plan designs side-by-side.
Options with pricing, trade-offs, and our recommendation.
Enrollment, employee sessions, and claims support.
FAQs
How many employees do I need?
Most carriers start at 2–3 employees; we also have owner-only and micro-team solutions via HSAs or hybrid plans.
Can we control renewal increases?
Yes — plan design, pooling thresholds, deductibles, and wellness utilization can materially affect renewals. We review annually with full transparency.
Do you support multiple provinces?
Yes — national coverage is available, including out-of-province coordination and travel medical.
What do you need for a quote?
Headcount by family status, ages, postal codes, current plan (if any), and recent claims or renewal if available.
For illustration only; coverage and pricing subject to underwriting and carrier terms.