• 100 % Coverage | No Monthly Premiums l Tax Deductible

  • Private Health Services Plans are being used by over
    54,000 small business owners across Canada.

    The Private Health Spending Plan { PHSP } was introduced as a cost effective means of providing health and dental benefits to employees without having to make a monthly premium commitment. You need to sign a contract with a third party provider to be able to provide the benefits tax free to your employees, and claim the expense on your corporate tax return.

    Elite Business Services ltd is a Registered Certified Professional with the Canada Revenue Agency - ID # K6747

    • We set up your PHSP in compliance with Canada Revenue Agency ("CRA") guidelines
    • We make certain that any claims are eligible so the plan stays onside with CRA
    • We are available to answer your questions regarding your private health services plan
    • We protect the privacy of your personal / medical information
  • How it works ?

    The Employment / Dependents have a maximum medical expense account to use for prequalified health services based on the level of coverage you choose.

    1. The Employee / Dependents Pay Medical Expenses - at the time and place of services.

    2. Employee Submits A Claim to the Business Center - we review the claim and send you an invoice for the amount + admin fees.

    3. Elite Business Services ltd - will process the claim - send you a receipt for the expense and reimburse the employee for expenses.


    { we will also provide you with a statement at the end of the year for your taxable deduction. }

  • What types of expenses are covered ?

    • Chiropractor
    • Dental
    • Optical
    • Hospital Upgrades
    • Prescriptions
    • Orthotics
    • Hearing Aids
    • Crutches
    • Diabetes Equipment
    • Braces
    • Pre / Post Natal
    • Acupuncture
    • Dental Hygienist
    • CPAP Equipment
    • Pediatrician
    • Physiotherapist
    • Neurologist
    • Podiatrist
    • Psychiatrist
    • Dietitian
    • Ambulance

  • Transportation, Meals & Accommodation Expenses

    { for patient and accompanying attendant may be eligible if treatment is more than 40/80 km }

  • Packages Available

    The plan is used only when health related claims are processed for cost plus fees.

  • Level 1

    Based on 3% of your employees gross wage. Registrations fee of $ 100 + admin fees.

  • Level 2

    Based on 5% of your employees gross wage. Registration fee of $ 150 + admin fees

  • Level 3

    FLAT FEE predetermined by the employer. Registration fee of $ 200 + 5% admin fee.

  • Private Health Services Plan

    Simply register for a PHSP account to reward and retain valueable employees in the form of an Employment Benefit Plan. The total annual cost, including administration fees are 100% deductible as a business expense.

    Register your business