ALBERTA ALLIED ROOFING ASSOCIATION MEMBERS PLAN
AARA MEMBERS HAVE FLEXIBLE PLAN DESIGN CHOICES
Alberta Allied Roofing Association’s Health & Dental Plan provides flexible coverage and is a management tool that controls costs for business owners and their employees. The AARA Health & Dental plan provides the security of a benefits plan, without the expensive premiums or restrictions involved with traditional health and dental plans.
The AARA Health Plan has volume specialty contracts unique to the Alberta Allied Roofing Association, which is underwritten by Canada’s top insurance companies. Puhl’s association-specific plans provide you, an AARA Member, with the best plan choices and flexibility in Canada to fit your business needs.
A quality employee oriented plan with volume discounts.
The ARRA Health & Dental Plan offers:
- Flexibility
- Low processing costs
- Tax savings
- Cost control
- 100% reimbursement
- Extra Health and Dental Credits
- Member’s Bulk Buying Power
COST CONTROL
Employers decide how many credits / dollars will be applied to employee’s Health Spending Accounts each year. Therefore, the employer knows the maximum amount to be spent on the employee benefit plan in a given year. Also, the extra credit option further reduces costs to the employer.
FLEXIBILITY
Small business clients deserve to have affordable health care benefits designed specifically to fit each family needs. Employees use their flex credits / dollars on the health and dental services they need, when they need them.
LOW PROCESSING COST
No monthly premiums to pay, also the AARA plan offers one of the lowest processing fees in the industry and only as claims are submitted.
TAX SAVINGS
Business owners and employees benefit from tax savings when employers offer Health Spending Accounts (HSA’s) to their employees. Health expenses become a tax-deductible business expense, and reimbursements are paid out tax-free to the recipient.
AARA Health & Dental Benefits Plan Is Designed For Your Business
The AARA Health & Dental Plan offers a choice between a flex plan and a traditional plan or a blended plan. Companies have the flexibility to pick and choose how to design their health and dental plans to their business and personal health models.
The AARA Health and Dental Plan is a self-funding reimbursement tax concept plan regulated by the Canada Revenue Agency. It uses Health Spending Accounts (HSAs) to provide flexible benefits to employees.
TRADITIONAL GROUP INSURANCE
TRADITIONAL SELF-FUNDED CREDIT
FLEXIBLE PUHL PHSP PLAN
AARA MEMBER VALUE BENEFITS
Extra Optional Add on Value Benefits
Employees and Employers receive valuable benefits other plans may not offer:
- 2 years and 3 months rate guarantee on Life, Dependent and Long Term Disability.
- 1 year and 3 months rate guarantee for Health & Dental.
- Short-term disability is pooled and not experience rated. Also can be self-funded.
- Living benefit under life insurance for terminal illness.
- AD & D – includes dependents.
- RX Drug and Dental extra credit plan.
- No medical exams.
- Plus additional benefits.
ADD ON ADDITIONAL AARA TRAVEL PLAN
The AARA Optional Travel Plan provides protection in the case of an accident or illness providing the funds to cover your medical expenses.
- Member’s Bulk Buying Program.
- Flat costs per year per family.
- Out of Province & Country medical travel insurance.
- 60 days of continuous coverage for each trip.
- Underwritten by SSQ Insurance.
- Snow Bird travel coverage also available.
