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PHSP Health Spending Account  
Privatehealthinsurance Your Private Health Services Plan
Serving all of Canada
   How it Works | Who Is Eligible | Your Company Pays | What is the Cost? | Advantages | You Save | No Premiums to Pay
   What are the advantages of the Private Health Services Plan (PHSP)
    The Private Health Services Plan (PHSP) benefits your company by allowing all your health and dental expenses to be claimed as deductable business expenses.

There are no premiums to pay.

You, the employer, decide the range of options for your employees.

Your claims are processed immediately upon receipt. allowing you to receive your reimbursment quickly.

The Private Health Services Plan (PHSP) was created by the Federal Government. The Canada Revenue Agency backs and supports the PHSP.

There are no pre-set limits for the amount of health and dental expenses the business owner is permitted to remit.


    As a business owner, your health and dental expenses can be paid with pre-tax dollars through your company, creating a legitimate deduction.

On a personal level, 100% of your health and dental care costs are reimbursed on a tax-free basis to the individual. This enables the business owner to deduct health care expenses easily, efficiently and cost effectively.

Through the Private Health Services Plan, you, the owner, set the level of coverage and services for your employees. Even if you already have an existing insurance plan, a PHSP allows you to deduct the remaining expenses your existing plan does not cover.

This program works by directly reimbursing all eligible health and dental expenses to you and your employees who are on the plan.


The advantages of the Private Health Services Plan (PHSP) for the company and the owner
Benefit for the Business
Benefit for the Owner
  100% Tax Deductible     100% Coverage of All Health & Dental Costs  
  No Premiums     Tax Free Benefits  
  Employer Decides the Range of Options     Easy to Understand  
  Fast Claims Processing     Can Supplement Existing Coverage  
  Canada Revenue Agency Back-up and Support     Fast Claims Processing  
For more information please contact Cost Efficient Benefit Plan
Calgary, Alberta
Roy Olney or Chris McKay

(403) 282-3776

Northern Alberta
Len Ehrmann

(780) 377-1000
Dan Gauvreau

(519) 588-8346

British Columbia

Lorraine Ronning


Eastern Canada

Carrie Gauvreau