Desire Financial Solutions & Gallagher Benefits Services

Presents

PEACE-OF-MIND
GROUP HEALTH AND DENTAL PLAN
INTRODUCING: PEACE-OF-MIND GROUP HEALTH PLAN
Peace-of-Mind group health plan is a collaborative initiative between Arthur J Gallagher and Desire Financial Solutions. We have created a
competitive group health and dental plan for professionals without a traditional employer sponsored benefit plan. Our group health plans are a
great solution for: contractors, self-employed, entrepreneurs, part-time employees, sole-practitioners, freelancers, consultants, owner/operators,
employees without benefits, and employers with contract professionals. For employers that have a workforce of both employees and contract
workers, we have you covered. Our plan allows you to keep your traditional health plan in place while giving your other workers access to a
customized group health plan. With our plan, contract workers get some benefit perks without jeopardizing their employers contractor status
with CRA.

OUR PLAN ADVANTAGES:

No medical health questionnaire
No mandatory waiting periods
No per visit limit on paramedical services
No deductible or dispensing fees
No enrollment or membership fees
No advance pre-payment required
No exclusions on pre-existing conditions
Guaranteed acceptance and renewability
Includes life insurance AD&D, Dependent Life

OTHER PERKS AND HIGHLIGHTS:

Customized and owned by plan member
Not administered or controlled by employer
Premiums can be paid by employer or individually by each plan member
Free, no obligation review of existing insurance plan
Membership in DesirePerks Savings Club
Flexible payment options including easy pay plans
Group buying power ensure competitive rates
Enrollment in plan available to individuals across Canada
 Peace-of-Mind Enhanced Plan Elite Plan Great Solution For:
Group Health Plan Single: $112/month Single: $135/month
Features Family: $267/month Family: $327/month Contractors, self-employed individuals,
Life $10,000 $25,000 entrepreneurs, part-time or casual employees, sole-
AD&D $10,000 $25,000 practitioners, freelancers, consultants,
Dependent Life Spouse $10,000 , Child $5000 Spouse $10,000, Child $5000
owner/operators of small corporations, employees
Prescription Drugs
without benefits, and employers with contract
Drug Card Yes- $2500/year per person Yes- $5000/year per person
Deductible/Disp. Fee Nil Nil professionals.
Formulary Generic Generic
Co-insurance 80% 80% Our Plan Advantages:
Extended Health
Co-insurance 80% Paramedical 90% Paramedical 1. No medical health questionnaire
100% other health 100% other health 2. No mandatory waiting periods
Paramedical- massage, chiro, $300/person/practitioner/ year $400/person/practitioner/ year 3. No deductible or dispensing fees
physio, psychologist, speech 4. No enrollment or membership fees
therapist, podiatrist, acupuncturist
5. No advance pre-payment required
Hospital Private Private
Private Duty Nursing $10,000 $10,000 6. No exclusions on pre-existing conditions
Emergency Out of Country 100%- 90 day coverage 100%- 90 day coverage 7. Guaranteed acceptance and renewability
Ground and Air Ambulance 100% 100% 8. Includes life insurance and AD &D
Vision Care 9. 80% direct bill for drugs and dental
Co-insurance 100% 100% 10. Members set up own agreement & PAD
Exams, Lens, Frames, Contacts Eye Exams Eye Exams
11. Enrollment in DesirePerks Savings Club
Dental
Waiting Period None None For More Information Contact:
Deductible Nil Nil
Periodontics/endodontic 80% 80% Josh Zimmer, 403-538-3643, 1-877-209-3817
Basic Restorative 80% 80% Gallagher Benefit Services
Major Dental- crowns, dentures, Not applicable 50%
bridges Guirlene Joseph 403-264-8383, 1-866-429-4848
Desire Financial Solutions
Maximum $1000 per person $1500 per person combined
Recall exams 6 months, children 6 months children
12 months, adult 12 months adult

Page 1 | 2017 Arthur J. Gallagher Canada Limited | Gallagher Benefit Services (Canada) Group, Inc. ARTHUR J. GALLAGHER | AJGCANADA.COM
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DESIREPERKS SAVINGS CLUB

Desire Financial Solutions created the DesirePerks Savings Club to enhance our client experiences. In our savings community, members
have exclusive access to preferred services and benefits at discounted rates. Our vetted affiliate partners have agreed to offer saving
incentives; ensuring our members save hundreds of dollars. We invite you to become part of our savings club and keep more money in
your pocket. As a special offer, our Peace-of-Mind Health Plan members receive automatic enrollment into our DesirePerks Savings Club.

DESIREPERKS SERVICES & BENEFITS

Competitive Group Insurance Products
Auto, home, life, travel, health & dental, HSA, disability, professional liability
Competitive Financial Planning & Products
Financial advising, banking products, investments, RRSPs, RESPs, TFSAs, mortgages
E-Therapy (Psychological Services)
Trauma, addictions, PTSD, depression, family systems, anxiety, behavior modification
Financial Counselling Services
Budgeting, credit, debt, retirement planning, banking, gambling, couples counselling
Business and Corporate Services
Business advising, human resource services, virtual office services, incorporations
Accounting and Bookkeeping Services
Tax preparation, bookkeeping, tax consultations, payroll services, GST/HST/WCB filings
Paralegal Services
Wills & estates, divorce & family law, landlord & tenant, Commissioner for Oaths
Job Posting Services
Free and unlimited online postings to hire employee or sub-contractor positions
DesirePerks News and Education
Desire Dollars newsletter, resource sharing, seminars, webinars, announcements, e-bulletins