MACLAGAN INC. Health Spending Accounts

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	With an enVia Health Spending Account, you’ll enjoy a much broader range of claimable health & dental expenses - and freedom from the annual cost increases typical of traditional benefit plans - with no wasted premiums, deductibles or co-payments.

Not a traditional insurance plan, rather a tax-deductible “private health services plan” allowing you to write off your health & dental expenses
Much wider range of claimable expenses
No wasted premiums - you only pay for the health & dental benefits you actually use
Pay-Direct drug & dental card included at no extra charge for efficient, speedy claims payment
automatically includes “Catastrophic Insurance” to cover any sudden, unanticipated expensive claims for prescription drugs, hospital or private duty nursing

The eHSA Program is available to:

Business owners, their families and their employees;
Incorporated self-employed entrepreneurs;
Sole Proprietors (subject to CCRA deduction limits);
Employees (who work for a “flexible” employer)
Employer groups, but on an individual employee basis.
Families with Special Needs Children and high medical expenses




		Probably a lot more than you’d think, and definitely a lot more than any traditional group insurance plan. Here’s just a partial list of eligible expenses (including your dependent’s expenses) as defined in the Federal Income Tax Act, and notice how you can claim expenses not reimbursed under other medical and dental plans because of deductibles, maximum limits and co-insurance:

Acupuncture*	Contraceptive Devices**	Insulin & Diabetic Supplies	Oxygen & Equipment	Therapy Equipment
Artificial Limbs	Crowns & Bridgework	Laser Eye Surgery	Phsyiotherapist	Vein Removal
Athletic Therapy*	Dental Implants	Laser Hair Removal*	Podiatrist	Viagra, Cialis, Levitra
Attendant Care	Dental Treatment	Naturopathic Products**	Prescription Drugs	Vitamins**
Birth Control Pills**	Dentures	Occupational Therapist	Psychologist	Wheelchairs
Chinese Medicine*	Dermatologist Fees*	Optician	Psychotherapy*	X-rays
Chiropractor	Fertility Treatments	Optometrist	Psychiatrist	& more***
Chiropodist	Hair Replacement	Orthodontics	Registered Masseur
Contact Lenses**	Hydrotherapy**	Orthopedic Shoes	Skin Care
* Must be performed by a licensed medical practitioner; Must be prescribed by a licensed medical practitioner and dispensed by a licensed pharmacist/medical practitioner as part of their medical services; * As per Section 118.2(2) of the Federal Income Tax Act and Interpretation Bulletin IT-519R2




		For most people, the enVia Benefits Program represents a new way of covering your Health & Dental Expenses with pre-Tax dollars. Please review the following key points to learn how this program is different, and better, than a traditional group insurance plan, both for the employer and employee:




		More questions? Please contact us or review the eHSA FAQ page here.

The “employer” (including the self-employed) determines how much to contribute based on the available funds for this purpose. The minimum net annual contribution to the eHSA is $1,000 (plus administration fees & catastrophic insurance premium). The full net amount is therefore available to be spent on the participant’s eligible expenses. The monthly cost for various employer contribution amounts is included in the Individual Application form.

The eHSA can be utilized to meet all or most of a family’s needs for health and dental protection. Additional protection is provided through the automatically included “Catastrophic Insurance”. The cost of this additional protection with a deductible of $2,500 per person is included in the administration fees.
a summary.

What if a participant requires more funds in their eHSA to cover anticipated expenses?
The participant may approach the employer to enter into a “compensation arrangement” on a year to year basis. Under such a formalized arrangement that does not cost the employer anything other than a change to payroll for the individual, the employee would take a reduction in salary of “X” thousand dollars per year (including the eHSA administration fees) and have the employer contribute this amount in pre-tax dollars to the their personal eHSA account. This enables the employee to have sufficient funds available in a tax sheltered vehicle to cover their family’s medical or dental expense. It is the most tax-effective method of handling the cost of major dental expenses such as Orthodontia or dental implants, or Fertility treatments.

PDF Brochure & Additional Information
Additional information about the enVia Health Spending Account:


	How to Apply Click the button at right to apply, or click here.

Questions? Need additional information? Please contact us as indicated below, or click here to fill out an information request form.