Will I save money?

Yes!

* If you are paying for any health or dental expenses with after-tax dollars.

* If your existing insurance plan has gaps where is doesn't cover 100% of a service.

* If your paying for chiropractic or alternative health care with after-tax dollars.

* If you pay for eyewear or contacts.

How do I qualify?

You qualify if you are:

* a limited or incorporated company
* a professional corporation
* a proprietorship (Special rules apply)
* any self-employed individual

I have a sole proprietorship, is
my company is too
small?

The size of your company is not important. These plans are available to all companies and self-employed people. You can start using this deduction today to enjoy tax-free medical expenses rather than paying with after-tax dollars.

What expenses are covered?

* Professional services
* Dental services
* Laboratory examinations and tests
* Hospital services
* Medicines
* Materials and apparatus not requiring a prescription
* Prescribed medical treatments
* Materials and apparatus prescribed by a recognized Medical Practitioner
* Other expenditures
*Download our Free eBook on "What is Covered".

How does it work?

It's as easy as 1 2 3 !

1. We set up your Health Spending Account (HSA).

2. You decide the monetary limit for your HSA.

3. You decide what percentage of what procedures you want covered. Some companies might decide to cover 80% of all dental and 100% of all prescriptions and eyeglasses, whereas another might decide to cover 100% of all expenses.

When I do incur a health expense what is the procedure?

Claiming a medical or dental expense is a simple and easy procedure. You just fill out a claim form and send it to us. We then reimburse you based on the plan you chose.

What if you or your spouse already has medical or dental insurance?

Our plans work well in conjunction with conventional medical\dental insurance because of the gaps they leave. With conventional medical\dental insurance, numerous procedures and supplies are not covered.

Canadian Spectrum covers 100% of all of Revenue Canada's allowable expenses. We save you money on what you pay with after-tax dollars. If the insurance plan only covers 50% of a procedure, we cover the other 50%. That way you get to deduct all of the expense!

What if you don't use all the money in your HSA?

If you haven't spent up to your HSA's limit, the extra can be rolled over for one year. This can be advantageous. For example, if you know there's an upcoming expense that's going to cost more money than your yearly limit allows, you can roll money over so that the procedure will be covered 100% when it occurs.

Is Medical\Dental Insurance too Expensive?

Not anymore!

Finally. . .There's a Better Way. . . Canadian Spectrum's Prepaid, tax-deductible Health Care Plans