Blueprint Group

Group Benefits

By offering you and your employees Health Benefits, you can protect your employees, protect your business, maintain productivity, attract and retain key talent, and provide tax efficient compensation.

Businesses Currently Without a Plan:

A&P Blueprint Group will help select the right insurance carrier and implement a customized plan within your needs and budget. We go to market and request quotes from all insurance carriers, comparing the benefits and rates. Thereafter, we ensure the implementation of these industry competitive packages, effectively attracting and retaining key employees. Our templates and unique service model minimize year-round plan administration, and provide for quick resolution to claims and billing issues.

Businesses Currrently With a Plan:

A&P Blueprint Group will conduct a plan audit and review set-up, eligibility, and plan design to ensure it is compliant with CRA and insurance carrier guidelines – thus minimizing potential liability. After this process we take the plan to market, requesting quotes from all insurance carriers. Often, without a change in insurance carrier or benefits, we are able to generate significant savings for most organizations. Furthermore, if you choose to proceed with us, we take care of your plan administration moving forward. From employee enrollment to terminations, and employee changes to answering questions – we take care of everything at no cost to our clients.


Fully Insured

Group benefits help increase morale and long-term loyalty in a company. When employees feel like they are more than just a number and their employer appreciates them and has their back, they are more loyal to their company and its long-term goals.


Traditional insured group plans provide a tax efficient way to transfer risk for health and dental claims processing. Stable employer sponsored plans structured to our clients needs along with fixed premium allow for longevity of our benefit plans.




A Private Health Services Plan (PHSP) allows an employer to provide tax-free benefits to employees to be used on medical expenses. Both an incorporated business with or without employees is able to sign up. Today, the term Private Health Services Plan (PHSP) is often referred to a Health Spending Account (HSA) or vice versa. The two terms are interchangeable.

A Private Health Services Plan (also known as a PHSP) is an alternative to traditional health insurance. Used by thousands of small business owners across Canada, a PHSP is a cost-effective way to provide health and dental benefits to employees. In simple terms, health and dental benefits offered through this plan are fully tax deductible to the business and received 100% tax free by the employees. There are no premiums, hidden fees, deductibles, copay, or complex policies.

For entrepreneurs and self employed professionals, this is an effective tool to cut your taxes and reduce your medical costs. The ability to write off health and dental expenses can create savings of more than 30% on medical and dental related expenses

For a company with many employees, a PHSP becomes a means for attracting and retaining talent due to its unique properties. All benefits within a PHSP are 100% tax free to employees.  The main attractions are cost control to the employer and flexibility for employees.

A PHSP will save you money in three ways:

  • Tax savings from deducting 100% of your medical costs
  • Reducing your costs by avoiding high premiums associated with traditional health insurance
  • The elimination of expensive deductibles

Administrative Services Only

ASO refers to an agreement that companies use when they fund their employee benefit plan but hire an outside vendor to administer it. For example, an organization may hire an insurance company to evaluate and process claims under its employee health plan while maintaining the responsibility of paying the claims itself. An ASO arrangement contrasts with a company that purchases health insurance for its employees from an external provider.


Cost Plus

Cost Plus is an arrangement to provide a facility for payment of legitimate expenses otherwise not covered by the insured benefit program. Cost Plus claims are also those expenses which exceed present policy limits or deductibles paid. Eligible claims are those that qualify as a medical or dental claim under the income tax act.


Health Spending Account

A Health Spending Account (also known as an HSA or HCSA) is an alternative to traditional health insurance. A Health Spending Account is a special account that is established to exclusively pay for health care services for you and your family members. It enables a small business to deduct 100% of the family health and dental expenses, and all benefits within the HSA are 100% tax free to employees. 

This provides a valuable opportunity to:

  • Reduce medical costs

  • Retain and attract new talent to your business

Funding Arrangements

  • Premium
  • Debit
  • Refund


Special Risks

Special risk insurance refers to an insurance policy that is non-traditional or unusual because the person or entity insured is more exposed to certain risks. These unusual risks might be attributed to the dangerous nature of the insured’s profession or industry.

Areas of special risk solutions we offer include:

  • Travel
  • International Students
  • Visitors to Canada
  • Temporary Foreign Workers
  • Volunteer Accident
    • Life
    • Disability
    • Health
  • Kidnap & Ransom


Group Pension

As nobody’s financial situation or retirement goals are quite the same, there really is no substitute when receiving tailored investment advice relating to your investment goals. Such advice can really make the difference in making the best of your employees’ retirement strategies and ensuring that they stay on track. How do we do this? 

Here are our key steps:

  • Draw up the initial Retirement Strategy.
  • Conduct a Robust and Costed Benchmark exercise, making comparisons to other plan providers.
  • Draw up a detailed Plan Management program to make sure that sponsors are abreast of changes and are compliant with key regulations.
  • Create a custom Plan Member Education program to offer your employees all of the information that they need to manage their plans at their fingertips.
  • Offer a wealth of different Educational Tools, Including On-Site Briefings and much more.
Trust us to manage your retirement plans.
The reason why so many organizations turn to us to simplify and improve their retirement plan offering is due, in part, to the successful relationships that we built with our clients, taking away the administrative burden of retirement planning and offering simple yet effective solutions that suit their business needs perfectly.


Retiree Benefits

Health & Dental Insurance under a Retiree Benefit was designed specifically for anyone over the age of 50. They offer affordable coverage to take care of an unexpected illness or injury, or to help with medical expenses for an ongoing chronic condition.

Once enrolled, you will have access to valuable benefits at a reasonable cost, including coverage for prescription drugs, medical supplies, paramedical services and vision care. In addition, optional Annual Travel Insurance can be added at minimal additional cost. Both you and your spouse can enroll and, provided premium is paid, you can continue coverage for life.

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