PHS SELECT Programs
World Insurance Services is pleased to offer the PHS SELECT Program — a unique low cost Health & Dental Benefits Program, designed to respond to the growing need for comprehensive health and dental benefits, but at a significantly lower cost than other individual health plans normally offered today.
The Program is underwritten by Echelon General Insurance Company, and claims are paid by Alternative Benefit Solutions Inc. (ABS).
Co-payment makes the difference:
In order to reduce premium costs, the PHS SELECT Program incorporates a 20% co-payment on all benefits. There is no deductible.
The Extended Health Care (EHC) Benefit pays 80% of all eligible expenses up to a maximum of $25,000 per person per policy year, including up to $5,000 for prescription drugs.
The Dental Benefit (which can only be purchased with the EHC, not standalone) pays 80% of eligible Basic Dental expenses up to a maximum of $1,000 per policy year. (Periodontic services are reimbursed at 50%).
Pay-Direct Card:
Participants will be issued a Pay-Direct Card that is used for drug claims at the Pharmacy. The card is also used at the Dentist’s office (although not all dentists are set up to submit claims electronically). Claims for all other eligible expenses will be submitted to ABS on a paper claim with original receipts for reimbursement
No Medical Examination required:
Coverage is subject to the approval by the insurer of a Personal Health Declaration for each participant and his/her eligible dependents. Coverage may be amended or surcharged based on the completed Personal Health Declaration.
Monthly Rate Comparison
| 1. Extended Health Care Only (80% Reimbursement) | |||
Single |
Couple |
Family
1 child |
Family
2-3 children |
$48.34 |
$90.89 |
$114.26 |
$149.32 |
| 2. Extended Health Care + Dental (80% Reimbursement) | |||
Single |
Couple |
Family
1 child |
Family
2-3 children |
$86.21 |
$163.56 |
$206.06 |
$269.81 |
* Rates for the Provinces of BC only.
How to apply for coverage:
Please review the Benefits Summary on the next page, and choose your level of coverage and any Optional Benefits you require. To apply, simply complete the Application Form & Personal Health Declaration and mail to the address indicated. Faxed applications are also acceptable.
The Program Administrator, Alternative Benefit Solutions Inc., will notify you of your approval or declination as quickly as possible, and, if approved, coverage will begin on the first of the month coincident with or next following date of approval.
