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.