Prescription drugs
Eligible medications, often with a drug list, reimbursement percentage and annual or lifetime limits.
Extended Health
Because “walk it off” isn’t a health plan.
Practical coverage for the health costs MSP leaves behind.
Extended health is the part of a benefits plan employees use to pay for prescriptions, practitioners, vision care and other costs outside MSP.
It is also where plan design matters most. A generous-looking plan can still disappoint if the drug list, category limits or reimbursement percentages do not match how your team actually uses it.
S+F compares those details across leading Canadian carriers and explains the trade-offs before you choose.
Key takeaways
- Coverage can include drugs, vision, paramedical care, medical equipment, ambulance and emergency travel.
- Reimbursement percentages and annual limits determine what employees actually receive.
- Pricing changes with group size, ages, industry and plan design.
- Pay-direct claims and mobile apps make coverage easier to use.
- S+F designs around your team and budget, not a standard package.
The value is in the details employees use
Extended health is one of the clearest ways to show employees that their health matters. It gives your team predictable help with everyday expenses and protection when an unexpected cost is much larger.
But more coverage is not automatically better coverage. Paying for categories your team rarely uses can raise costs without improving the employee experience.
The goal is not the longest list of benefits. It is the right coverage in the places your people will notice.
What extended health can cover
Every contract is different, but most group plans are built from these core categories.
Vision care
Eye exams, glasses and contact lenses on a recurring schedule chosen in the plan design.
Paramedical services
Physiotherapy, massage therapy, chiropractic and psychology, usually with annual maximums.
Mental health counselling
Eligible counselling and psychological support, subject to the practitioners and limits in the contract.
Medical equipment and supplies
Eligible health-related equipment and supplies prescribed or approved under the plan.
Ambulance services
Eligible ground or air ambulance expenses that are not fully covered by the provincial plan.
Worldwide emergency travel coverage
Emergency medical protection for eligible expenses while employees and dependants are travelling.
Three plan details shape the real experience
The headline list tells you what is included. These contract details tell employees how much they can actually claim.
Reimbursement percentage
The share of an eligible expense the plan pays, such as 80% or 100%.
Annual maximum
The most the plan will reimburse for a category or person during the plan year.
Deductible
An amount the employee pays before reimbursement begins, where the contract includes one.
We compare the plan beneath the price
A lower quote can come from narrower drug coverage, lower category limits or a claims process that creates more work for employees. We compare the contract details alongside the premium so you know what is changing.
We work with leading Canadian group insurance providers and bring the strongest options back in plain language. If your current plan already offers good value, we will tell you that too.
How S+F helps
- We learn how your team uses benefits before recommending a design.
- We compare carriers, limits and contract wording—not just monthly premiums.
- We review performance and alternatives at renewal instead of letting the plan drift.
Frequently asked questions
Switch benefits brokers with just one signature.
Switching brokers doesn’t mean switching your benefits - and it starts with a conversation, not a contract. Here’s how it actually works.
01
Contact us
Give us a call, send an email, or reach out through the form. No commitment - it just starts the conversation.
The easy part
02
We get to know each other
A meeting or two where we learn about your team, your current plan and your pain points - and you get to know us. Trust comes first.
A conversation, not a pitch
03
We build the plan together
We review your current coverage and design what works best for you - keep your plan, improve it, or rethink it together.
Built around your business
04
One signature
When it all makes sense to you - and only then - one signature makes us your broker. Your benefits never skip a beat.
You’re the judge
Reviews
Don’t just take our word for it
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Canuck Roofing
We had switched over to S&F Benefits and we are extremely pleased with everything from the initial setup, to the follow-ups, to the whole team and all the benefits offered. They are always super speedy in their replies and very helpful. It has made dealing with our corporate benefits a breeze and a relief! We highly recommend Reena, Chad, and their whole team to any business looking to get benefits — you will be happy you chose them!
C
Coastal Key Mortgage & Realty Group
Over the years I’ve had the pleasure of working with the team at S+F Group for various insurance products, both personal and business. Their approach is refreshingly laid back, making the entire process stress-free and comfortable, without any pressure. Their expertise and knowledge of insurance products are next level. They’re not afraid to take the time needed to understand our needs while providing tailored advice and solutions. I have referred several of my clients to them, and each one has echoed my sentiments, praising their professionalism and the quality of service they provide. I highly recommend them to anyone in need of reliable and personalized insurance guidance. Their commitment to their clients’ satisfaction is evident in every interaction, making them a standout choice in the industry.
W
Will Wong
Our company have been partnering with S+F Group Benefits for over 20 years, and the bottom line is: all their staff is very friendly, but professional. The thing we like best is they are very quick to respond to our questions. We have been approached many times by other Benefits Company, but we’re staying with S+F as they have always taken time to show us what’s out in the market and explain to us the advantages and disadvantages of what they’re proposing. Highly recommended.