Design your plan
Set annual limits that fit your budget, team and business goals.
Private Health Services Plans for Canadian businesses
Health benefits that work as hard as your business.
Give your team flexible health and dental coverage, keep costs predictable, and make every eligible benefit dollar count.
- ✓ No monthly premiums
- ✓ Direct deposit claims
- ✓ Annual expense summary
Your health benefit planFlexible by design.
Dental visitEligible
PrescriptionEligible
PhysiotherapyEligible
Business advantageTax efficient
Monthly premium$0
Built for Canadian business owners
SimpleClear claims and records
FlexibleChoose your benefit limits
PersonalOttawa-based support
How it works
A better benefit experience in three steps.
You decide the plan limits. Your team chooses the eligible care they need. EAJ keeps administration clear from claim to year-end.
Submit eligible claims
Employees send their receipts for review and receive approved reimbursements.
Keep clean records
Receive a clear annual expense summary prepared for your accountant.
Broad, practical coverage
More freedom to choose the care that fits.
PHSP eligibility follows the medical expense rules in Canada’s Income Tax Act. Here are some of the categories a plan may cover.
Review the CRA guidanceDental care
Exams, cleanings, fillings, crowns, orthodontics, oral surgery
Vision care
Eye exams, prescription glasses, contact lenses, laser eye surgery
Practitioners
Physiotherapy, chiropractic, massage therapy, psychology and more
Prescriptions
Eligible prescription drugs, insulin and prescribed medical treatments
Hospital services
Hospital bills, operating room services, diagnostics and vaccines
Medical equipment
Eligible mobility aids, hearing aids, orthotics and prescribed devices
Straightforward pricing
Choose the plan that matches your claim volume.
No monthly premiums. Every tier includes an annual expense summary.
Essential
For lighter claim activity
$100 / year
14.8%claim administration fee
- ✓ No monthly premiums
- ✓ Direct deposit
- ✓ Annual expense summary
Growth
For growing benefit use
$200 / year
9.8%claim administration fee
- ✓ No monthly premiums
- ✓ Direct deposit
- ✓ Annual expense summary
Advantage
For higher claim volumes
$500 / year
4.8%claim administration fee
- ✓ Lowest administration rate
- ✓ Direct deposit
- ✓ Annual expense summary
Good questions, clear answers
PHSP basics, made simple.
Still deciding whether a PHSP fits your business? We can walk through it with you.
Ask us a questionWhat is a Private Health Services Plan?
A PHSP is a structured way for an eligible Canadian business to reimburse employees for qualifying health and dental expenses. The business can generally deduct eligible plan costs, while reimbursements are generally non-taxable to employees outside Quebec.
Who is a PHSP designed for?
PHSPs can work for incorporated professionals, small businesses and growing teams that want flexible health benefits without fixed monthly insurance premiums. Eligibility and tax treatment depend on your business structure and circumstances.
How are claims handled?
Employees submit receipts for eligible expenses. Once a claim is reviewed and approved, EAJ requests the required funds from your corporation. After the funds are received, we reimburse the client by direct deposit and provide clear plan records for accounting purposes.
What expenses are eligible?
Eligibility follows the medical expense rules in Canada’s Income Tax Act. Common categories include dental, vision, prescriptions and services from many registered health practitioners. The legislation remains the source of record.
Let’s build the right plan
Ready to make health benefits simpler?
Tell us about your business and we’ll help you understand the right next step.