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Welcome

Kearns Insurance Strategies Ltd.

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Help Business Owners with Health Cost Strategies

Transform your employee's health

benefits with our digital platform


Benefit Customization
We can customize any plan to fit the employer's needs. We can carve out items and also work alongside a traditional insured benefit plan.
Online Support
Access the 24/7 LIVE chat! Run in-house by real, online support staff – no bots here!
Real time processes
Claim approval is live! Balances and reports always accurately reflect the activity going on in the system to the second.
Cost Control
Build planswith set amounts to stay within your budget. Never worry about going over or increasing costs.

How does the claim process work?


Employee pays

out-of-pocket for an

expense

Employee submits a

claim through the app

or online

Claim amounts are

pulled from corporate

accounts every

Wednesday & Friday

Funds are reimbursed

to the employees’ bank

account within one to

three business days

Responsive for all company

sizes – big or small


Whether you’re looking for a sole benefit plan or a unique top-up to

existing coverage, we provide options to meet all company sizes.

Individual incorporated business owners

Individual incorporated

business owners

Can I qualify for a spending account?

Yes, you're eligible as an individual incorporated business owner , working as a standalone plan! Run your health expenses through your copororation as a tax-free benefit and save corporate tax dollars.

What if my dependents already have an insured plan? Employees can then submit costs to their dependent's plan, and remaining costs will run through the HSA.

Better yet, our plans are completely free to set-up!

Small to mid-size businesses (2-50 employees)

Small to mid-size businesses

(2-50 employees)

You don't have to compromise flexibility in your plan design as a small business.

Whether you start with an HSA – a great starter benefit plan, allowing employees to spend on what is perfect for them – or a flex plan, combining both HSA and WSA items to customize benefits for employees' lifestyles.

Setup and management are completely digital – no paperwork here! Plan admins must complete just two steps – add and delete employees from the system, and ensure funds are within the account for claims to be processed and withdrawn effectively.

Large employers (50+ employees)

Large businesses

(50+ employees)

Do you want customization along with your current traditional benefits?

Unique spending accounts can be added as top-ups to existing insured plans – whether you want to provide additional HSA items or add customizable WSA items to meet expanding employees' needs. Better yet, the myFlexplan combines both, allowing employees to pick and choose what they want individually and ensuring healthy lifestyles

Setup and management are completely digital – no paperwork here! Plan admins can easily add or terminate employees and run varied reports.

Deliver flexible products & add-ons

to meet employee’s lifestyles


Scroll through for available plan options

myHSA™

Health Spending Account – a non-taxable alternative, or supplementation to a traditional benefits plan.

Carve out coverage such as orthodontics or vision care!

Build the perfect benefits package


Customize employee benefits with a range of add-ons to pair with plans!

Click each add-on for more information

Allstate Benefits

Critical illness

Comprehensive Critical Illness Insurance with Medical Care Support Service.

Homewood Health

EFAP Solution

Harness the power of full-scale employee and workplace support solutions through an exclusive Employee & Family Assistance Program arrangement.

EQ Care

Telemedicine

Canada's pioneer in telemedicine offers face-to-face virtual care by friendly, experienced medical professionals anywhere in Canada.

ALAViDA

Substance use management

ALAViDA is the alcohol and substance use solution that creates healthier workplaces from the inside out.

Cyno

Virtual Wellness Platform

Using a few strands of hair, gutChek™ identifies the foods that may be causing digestive symptoms so you can begin to repair through elimination.

Epilogue

Digital estate planning

Epilogue's online platform makes it simple and affordable for you to create your very own Will, Powers of Attorney, and other estate planning documents.

Choose how you administer add-ons


.
Employee voluntary products

Allow employees to pick and choose products that they need. Adding the marketplace to any plan will allow employees to shop using their benefit dollars at no additional cost to you

Products available in the Marketplace
Group pricing with a spending account

A well-rounded benefit package to offer additional coverage where your employees need it most. Combine one of the spending accounts with an add-on like telemedicine, an Employee Assistance Plan or even Critical Illness insurance and enjoy group pricing and centralized billing.

Group pricing without a spending account

A little extra support goes a long way. Choose from the add-on products and enjoy group pricing and little administration.

Access our Resources


Contact us!


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Ready to transform your

employee's benefits?

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