Flexibility and Control Designed to Empower Small Businesses and their Families.

Flexibility is what a navancorp PHSP provides small business owners and their families. Totally customizable, business owners are in full control over their own PHSP. Cover you, your employees, and families with a navancorp Private Health Services Plan.

What is the Cost?

  • A one-time Enrollment fee of $79 (no taxes) for new plans.
  • Enrollment fee is waived if you move to navancorp from another provider.
  • A competitive Administration fee on claims, plus applicable taxes.
  • No ongoing nor hidden costs.
  • No monthly premiums.

Why a navancorp PHSP?

  • There are no age limits or health questionnaires.
  • Very low cost when compared to traditional insurance plans.
  • Approved health claims are a non-taxable benefit to your employees.
  • The PHSP is funded entirely by your business using before-tax money.
  • All business costs associated with the PHSP are 100% deductible.
  • A navancorp PHSP can also be used to augment traditional group health benefit plans.

What is a PHSP?

A Private Health Services Plan (PHSP) (oftentimes also referred to as a Health Savings Account – HSA) is a Canada Revenue Agency (CRA) approved health services plan for Canadian Business owners that allow them to deduct as an expense medical and dental costs through their company.

This is a great, cost-effective way to provide flexible health care benefits to your employees with the potential for huge tax savings.

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Eligible Medical & Dental Expenses

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