Model your Health Care Spending Account costs in under 60 seconds — allocations, admin fees, and provincial taxes included.
1 System Variables
Set your province and plan parameters. Tax treatment updates automatically.
2 Staff Allocations
Add each employee class, headcount, and the annual HCSA allocation per employee.
+ Catastrophic Coverage CHIP · CGIB Exclusive
Pair your HCSA with CHIP — a fully-pooled catastrophic hybrid plan in partnership with BBD. Essential health coverage, $5,000,000 emergency medical travel, and rate stability from one large national pool. Available to groups of 3+ employees.
What’s included in the CHIP plan design?
- Essential Health Coverage: prescription drugs, accidental dental, private duty nursing, medical equipment & supplies, semi-private hospital, and ambulance.
- Emergency Medical Travel: 100% coverage, up to 60 days and $5,000,000 per incident.
- Deductible: $1,000 per plan member per calendar year; family coverage capped at $2,000 total ($1,000 member + $1,000 combined dependents).
- Fully pooled & transparent: one set of rates per pool — no experience-rated tiers — with pool-level claims reporting shared openly.
- Pairs naturally with Life, AD&D, STD, and LTD for complete coverage at stable rates.
3 Budget Output Suite
| Employee Class | Staff | Allocation / EE | Expected Claims | Admin Fee | Taxes | Annual Cost |
|---|
Estimates only. Tax rates are configurable defaults — provincial premium tax, retail sales tax, and GST/HST treatment vary by funding arrangement and carrier. CHIP catastrophic rates are shown before applicable premium taxes, require a minimum of 3 employees, and are subject to field underwriting and pool acceptance. Confirm final figures with your advisor before implementation.