A Wide Range of Health Services

There are very few restrictions on the type of health treatments eligible for reimbursement. Use your Private Health Services Plan as a stand-alone benefit program - or to top-up existing premium-based health insurance you may already have! Scroll down for more information.

Fast Claim Reimbursement

We guarantee to reimburse claims via Pre-Authorized Debit Agreement within 5 business days of receiving them. And we will Direct Deposit payments straight into your personal bank account. Your family and employees will thank you for the speed, simplicity and security of our plans. Scroll down for details.

Take Control of Your Health Benefit Costs

Whether you have a large business with many employees or you are the only employee, you can manage your cash flow wisely with a PHSP/HSA. Know exactly your maximum health benefit cost every year in advance - because YOU set the Annual Limit! Scroll down for more details.

Tax-Free - Better Than a Raise!

HSAs are a tax-free direct benefit from you to your employees so they build employee loyalty, reduce staff turnover and motivate employees. Reward and retain your valued staff with a tax-free health plan that is 100% deductible! Details below.

The Best Private Health Service Plan in Canada

We offer the lowest cost Private Health Service and Health Spending Account Plans in Canada. A one-time registration fee of $100, a 5% claim processing fee and secure claim filing put us at the top of the list of national providers. Details below.

Welcome to a great health benefits idea.

Many business owners in Canada don't know that Private Health Services ("Health Spending Account") Plans are available to cover the out-of-pocket health expenses of their families and their employees by reimbursing eligible claims from their business.

These plans are available to every Canadian business, incorporated or not. Business owners, their employees and families can get economical comprehensive health coverage while enjoying substantial tax savings. They are an effective alternative to traditional premium-based health insurance plans - or can be used to "top-up" those plans.

Features of a Private Health Services (Health Spending Account) Plan:

Incorporated businesses including contractors, consultants, tradesmen and professional corporations all qualify.
Unincorporated sole proprietors or partnerships also qualify.
There are no premiums because claims are paid by your business. Our 5% administration fee per claim is the lowest in Canada. Claimants pay for their health services personally and then get reimbursed.
And because your business pays the cost of the claims these plans are 100% tax deductible.
All reimbursements to employees are a tax-free benefit (except in Quebec).
YOU control the cost of your plan by establishing an Annual Limit for each of your employees, so your business can budget effectively in advance.
The eligible health services are much more extensive than with premium-based plans. They include almost every conceivable health service provided by a registered health professional. See What Is Covered?.

Direct Reimbursement Associates Ltd is the national leader in low-cost, high quality health plans, with a 5% administration fee per claim, a one-time $100 registration fee, completely secure claims submission and guaranteed 5 business day reimbursement. We have been in business since 1988 and are accredited by the Better Business Bureau. If you own a business you can start saving money on health benefits today. Talk to your accountant or advisor and register your plan - it's easy! All we need is a Registration Form and a one-time payment of $100 to get your registration activated. Then we'll get back to you within 24 hours to advise you on the details of your plan set-up and fill-in any missing information. Send your electronic funds transfer to admin@draltd.com today.

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