Group Benefits
Small Biz and Solopreneur Group Benefits
Bridgewell Financial’s Small Biz and Solopreneur Group Benefits offer you and your family flexible, comprehensive coverage at rates you can afford.
Build your plan now
Our Small Biz and Solopreneur Group Benefits are designed for:
- Small businesses with fewer then 15 employees, including sole proprietors
- Self-employed professionals and freelancers
- Contract employees
- Independent contractors
- Gig economy workers
EXPLORE
Our plan options
Select a plan to learn more
COPPER
BRONZE
SILVER
*GOLD
Health
Prescription Drugs
(Pay Direct Drug Card)
80% coverage up to $5,000 per family member per year
90% at PocketPills Pharmacy
80% coverage up to $5,000 per family member per year
90% at PocketPills Pharmacy
90% coverage up to $5,000 per family member per year
100% at PocketPills Pharmacy
100% coverage up to $5,000 per family member per year
Professional Services
(Chiropractor, Chiropodist or Podiatrist,
Registered Massage Therapist, Naturopath,
Osteopath, Physiotherapist, Psychologist,
Speech Therapist, Acupuncturist)
Not included
Not included
90% coverage up to $300 per practitioner category, per family member per year
Reasonable limits as per the insurer apply
100% coverage up to $500 per practitioner category, per family member per year
Reasonable limits as per the insurer apply
Vision
Not included
Not included
100% coverage up to $200 every 24 months, per family member per year
100% coverage up to $200 every 24 months, per family member per year
Semi-Private Hospital Room
50% coverage up to 7 days per stay
50% coverage up to 7 days per stay
100% coverage up to 14 days per stay
100% coverage up to 14 days per stay
Dental Care
Basic Services
(checkups, x-rays, fillings, oral surgery,
endodontics/periodontics,
8 units of scaling)
Not included
80% coverage up to $1,000 per family member per year
90% coverage up to $1,500 per family member per year
100% coverage up to $1,500 per family member per year
(Basic/Major maximum combined)
Major Services
(crowns, bridges, dentures)
Not included
Not included
Not included
50% coverage up to $1,500 per family member per year
(Basic/Major maximum combined)
Orthodontics
(braces for children
18 years of age and under)
Not included
Not included
Not included
50% coverage up to $1,500 per child per lifetime
Frequency of Check-Ups
Not included
Every 9 months
Every 6 months
Every 6 months
*Gold available after year two only
GOLD
Health
Prescription Drugs
(Pay Direct Drug Card)
100% coverage up to $5,000 per family member per year
Professional Services
(Chiropractor, Chiropodist or Podiatrist,
Registered Massage Therapist, Naturopath,
Osteopath, Physiotherapist, Psychologist,
Speech Therapist, Acupuncturist)
100% coverage up to $500 per practictioner category, per family member per year
Reasonable limits as per the unsurer apply
Vision
100% coverage up to $200 every 24 months, per family member per year
Semi-Private Hospital Room
100% coverage up to
14 days per stay Dental
Basic Services
(checkups, x-rays, fillings, oral surgery,
endodontics/periodontics,
8 units of scaling)
100% coverage up to $1,500
per family member per year
(Basic/Major maximum combined)
Major Services
(crowns, bridges, dentures)
50% coverage up to $1,500
per family member per year
(Basic/Major maximum combined)
Orthodontics
(braces for children
18 years of age and under)
50% coverage up to $1,500 per child per lifetime Frequency of Check-Ups
Every 6 months
*Gold available after year two only
SILVER
Health
Prescription Drugs
(Pay Direct Drug Card)
90% coverage up to $5,000
per family member per year
100% at PocketPills Pharmacy
Professional Services
(Chiropractor, Chiropodist or Podiatrist,
Registered Massage Therapist, Naturopath,
Osteopath, Physiotherapist, Psychologist,
Speech Therapist, Acupuncturist)
90% coverage up to $300 per
practitioner category,
per family member per year
Reasonable limits as per the unsurer apply
Vision
100% coverage up to $200
every 24 months,
per family member per year Semi-Private Hospital Room
100% coverage up to
14 days per stay Dental
Basic Services
(checkups, x-rays, fillings, oral surgery,
endodontics/periodontics,
8 units of scaling)
90% coverage up to $1,500
per family member per year
Major Services
(crowns, bridges, dentures)
Not Included
Orthodontics
(braces for children
18 years of age and under)
Not Included Frequency of Check-Ups
Every 6 months BRONZE
Health
Prescription Drugs
(Pay Direct Drug Card)
80% coverage up to $5,000
per family member per year
90% at PocketPills Pharmacy
Professional Services
(Chiropractor, Chiropodist or Podiatrist,
Registered Massage Therapist, Naturopath,
Osteopath, Physiotherapist, Psychologist,
Speech Therapist, Acupuncturist)
Not Included Vision
Not Included Semi-Private Hospital Room
50% coverage up to
7 days per stay Dental
Basic Services
(checkups, x-rays, fillings, oral surgery,
endodontics/periodontics,
8 units of scaling)
80% coverage up to $1,000
per family member per year
Major Services
(crowns, bridges, dentures)
Not Included
Orthodontics
(braces for children
18 years of age and under)
Not Included Frequency of Check-Ups
Every 9 months COPPER
Health
Prescription Drugs
(Pay Direct Drug Card)
80% coverage up to $5,000
per family member per year
90% at PocketPills Pharmacy
Professional Services
(Chiropractor, Chiropodist or Podiatrist,
Registered Massage Therapist, Naturopath,
Osteopath, Physiotherapist, Psychologist,
Speech Therapist, Acupuncturist)
Not Included Vision
Not Included Semi-Private Hospital Room
50% coverage up to
7 days per stay Dental
Basic Services
(checkups, x-rays, fillings, oral surgery,
endodontics/periodontics,
8 units of scaling)
Not included
Major Services
(crowns, bridges, dentures)
Not Included
Orthodontics
(braces for children
18 years of age and under)
Not Included Frequency of Check-Ups
Not included Included in all tiers:
Travel
60 Day Out-of-Province/Country Coverage
100% up to $5,000,000
(Emergency Medical Services for unforeseen accidents and illnesses) Medical
Supplies & Equipment
Included up to plan maximums and coinsurance as outlined in the plan booklet
and/or reasonable & customary limits as per the insurer Get access to industry-leading mental health and wellness services with programs that include weight management, nutrition and fitness, substance abuse recovery—and more. It’s the ideal solution for workers seeking holistic and comprehensive support, and for employers that want to foster a healthy and psychologically safe workplace environment.
| Benefit | Coverage | EAP 2.0 | Maple Mind & Body | Complete Wellness |
|---|---|---|---|---|
| HumanaCare EAP | Short-term counselling services for individuals and their families; in person, virtual or via phone | |||
| Phzio MSK360 | Virtual ergonomic assessments, conditioning plans and unlimited pain consultations with Athletic Therapists Virtual physiotherapy available at preferred rates | |||
| My Friendly Lawyer | Legal advice line with qualified Canadian lawyers handling multiple specializations | |||
| Maple Telemedicine and Mind By Maple |
Unlimited access to virtual medical care with Doctors, and long-term,
professional mental health counselling
Additional specialized services available
|
|||
| LifeSpeak | Expert-led mental health and wellbeing education platform with Ask the Expert web chats, blogs, videos and podcasts | |||
| RxFood | Innovative nutrition app optimizes food for health by aligning your individual data with specific goals. Detailed reports and guidance serve real life, targeted issues including diabetes and overall wellness | |||
| LIFT Session | Industry-leading virtual fitness support program with unlimited on-demand home workout videos and live sessions | |||
| The Solid Ground Method | Personal development program helps you live life on your terms while gaining more life and job satisfaction. Learn how to reduce stress, improve energy and time management, and achieve work-life balance | |||
| ALAViDA |
Virtual substance use support with early intervention that helps keep employees at work.
Board-certified substance use disorder physicians, mental health support, self-assessments,
24/7 resources, and more personalized care
Virtual rehabilitation available; fees apply
|
|||
| Pricing | $5/month | $10/month | $20/month | |
Peace of mind knowing that you’ll have access to life-saving medication when you need it, with coverage that extends far beyond provincial government health plans. Enroll when you’re healthy and be prepared for life’s uncertainties in the event of a major health issue that requires catastrophic drug coverage.
| Benefit | Coverage |
|---|---|
| Biologic Drugs |
$50,000 per family member per policy year.
Limited to lowest cost biosimilar.
|
| Overall Drug Coverage | $1,000,000 per family member per policy year. |
| Description of Coverage |
Medications legally requiring a prescription according to the
Canadian Compendium of Pharmaceuticals and Specialties.
Zolgensma is permanently excluded
|
| Annual Deductible | $5,000 deductible per family member per policy year. |
| Pre-existing Condition Clause* | 24 months |
| Pricing | Single: $15/month + PST | Family: $30/month + PST |
*Conditions for which consultation or treatment was received in the 24 months before the effective date of coverage are permanently excluded. If you are treatment free for 24 months following the effective date of coverage then the pre-existing condition clause no longer applies.
Plan pricing
Select your province
Ontario
British Columbia / Manitoba / Saskatchewan
Alberta / Nunavut / Yukon / NWT
Atlantic Provinces
Ontario
| Single | Couple | Family | |
|---|---|---|---|
| Gold | $185.16 | $370.34 | $484.93 |
| Silver | $143.80 | $287.65 | $378.43 |
| Bronze | $113.42 | $226.86 | $290.05 |
| Copper | $71.49 | $143.00 | $164.94 |
British Columbia / Manitoba / Saskatchewan
| Single | Couple | Family | |
|---|---|---|---|
| Gold | $141.85 | $283.70 | $371.00 |
| Silver | $110.33 | $220.70 | $289.87 |
| Bronze | $87.18 | $174.39 | $222.54 |
| Copper | $55.24 | $110.54 | $127.21 |
Alberta / Nunavut / Yukon / NWT
| Single | Couple | Family | |
|---|---|---|---|
| Gold | $158.70 | $317.40 | $415.32 |
| Silver | $123.35 | $246.75 | $324.32 |
| Bronze | $97.40 | $194.80 | $248.81 |
| Copper | $61.57 | $123.14 | $141.89 |
Atlantic Provinces
| Single | Couple | Family | |
|---|---|---|---|
| Gold | $198.96 | $397.91 | $521.21 |
| Silver | $154.46 | $308.97 | $406.63 |
| Bronze | $121.79 | $243.56 | $311.56 |
| Copper | $76.66 | $153.34 | $176.96 |
Keep the BridgeWallet in your back pocket
Offer innovative choices and flexible pricing
It’s the digital platform that helps employers manage their Small Biz and Solopreneur Group Benefits package.
Employers can:
- Develop differentiated benefit strategies for diverse and dispersed workforces
- Select flat-line budgeting, so they can choose what to spend
- Provide personalized benefits to their employees
- Boost employee attraction and optimize tax efficiencies
Employees choose:
- Diverse, equitable and inclusive benefits that suit their lifestyle and budget
- A progressive and personalized benefits package that far exceeds traditional benefits
- To enroll and manage their account using our digital portal and mobile app
- A dynamic plan that grows with their changing lifestyle needs
Here’s how BridgeWallet works
The employer sets an annual Small Biz and Solopreneur Group Benefits budget and plan options, then the employee chooses how to spend their coverage money
Slide the toggle on the right to learn more
Slide the toggle below to learn more
Employed Staff
Solopreneur and Contract Staff
Their employed staff choose:
Health account
Health, vision, dental coverage(Non-taxable to employee)
Wellness account
Including lifestyle, fitness, financial coverage(Taxable to employee)
Finally - A group benefits plan built for you
Acceptance to our Small Biz and Solopreneur Group Benefits programs
is automatic. You won’t be required to take a medical exam and there
are no exclusions for pre-existing medical conditions. Best of all, our programs are fully customizable to your health, wellness and lifestyle
needs.
The benefits don’t end there. Our plans are:
PORTABLE
Take it with you between employers or projects
MOBILE
Web-based for a user-friendly digital experience
EXCLUSIVE
Enjoy preferred access to unique programs and pricing to enhance your physical, mental and financial well-being
COST EFFECTIVE
Small Biz and Solopreneur Group Benefits are fully tax-deductible
ACCESS COMPREHENSIVE COVERAGE FOR YOU AND YOUR FAMILY
Our solutions deliver peace of mind, ensuring you and your loved ones have reliable health and dental coverage, along with access to a wide range of wellness and mental health programs.
01.
Traditional group benefits plans are mostly designed and priced with
larger businesses in mind.
02.
But the economy is changing fast, with an increasing number of
Canadians launching their own small businesses or becoming
self-employed.
03.
This rapidly-growing cohort has lacked access to an affordable group
benefits plan that made sense for their needs—until now.
Did You Know?
Recent projections estimate that
30%
of Canada’s workforce will be
self-employed by 2030
Our digital platform is built with the future of the group benefits experience in mind.
You'll have access to a wide range of exciting features including:
- A group benefits option with many of the same coverage options as a traditional employee coverage plan
- The world’s largest employee discount program with deals from thousands of leading brands
- Lifestyle and voluntary benefits including pet insurance, ID protection, legal plans and more
- Rewards and recognition programs to enhance employee engagement, retention and culture
