EXTENDED HEALTH & DENTAL BENEFITS
Simple. Affordable. Designed for Canadian Small Business.
Designed for Companies with 3–10 Employees
One of Canada’s 🇨🇦 Most Affordable Health & Dental Plans
Fast, Hassle-Free Digital Enrolment
Supports Small Teams Across a Range of Industries
This plan is also a great fit for small businesses working with independent contractors including wellness clinics, massage and physio studios, hair salons and aesthetics studios, construction and trades crews such as electricians, framers, and plumbers, as well as tourism operators like nightly rental property managers, cleaning crews, and maintenance teams.
benefits and features
NO MEDICAL QUESTIONS OR PRE-EXISTING EXCLUSIONS
100% Digital Enrolment
zero-day waiting period
EASY TO USE smartphone APP
TAX DEDUCTIBLE PREMIUMS
Extended Health Benefits include
$5000 PRESCRIPTION DRUGS
$350 paramedicals PER PRACTITIONER PER FAMILY MEMBER
$300 vision care per family member
$5,000,000 TRAVEL COVERAGE
80% REIMBURSEMENT
no deDuctibles
$25,000 OF life and AD&D
coverage to age 75
OPtional Benefits
$1000 restorative (Basic) dental or
DENTAL ONLY (NO EXTENDED HEALTH care)
$2500 of Long Term Disability
RATES
Life & AD&D
$25,000 of Life Insurance $6.40
$25,000 of Accidental Death and Dismemberment $1.00
$5,000/$2500 of dependent life (optional) $7.35
Extended Health Care
Single $52.16
DUO $100.65
Family $121.00
Dental (OPTIONAL)
Single $53.19
Couple $98.91
Family $142.53
Long Term Disability(OPTIONAL)
single $64.95
Why Choose Ocean US?
We don’t just offer benefits, we deliver a better experience.
Since 2006, we have helped small businesses across British Columbia protect their teams with cost-effective, streamlined, and future-ready benefit solutions.
Here’s what makes us different:
100% Digital Enrolment
Our enrolment process is fully digital, fast, and intuitive. No stacks of paperwork or delays—your team can be covered in minutes.
State-of-the-Art Claims Platform
Submit and track claims easily with a modern, mobile-friendly platform that simplifies the process for your employees.
Affordable, Predictable Pricing
One of the most competitive plans in Canada for small teams, with stable pooled renewals that help you plan your budget with confidence.
Flexible Plan Options
Choose between Extended Health, Dental Only, or add Long-Term Disability, whatever fits your team best.
Ready to Offer Benefits That Make Sense?
Offering employee benefits helps you:
Attract and retain top talent
Build loyalty and boost morale
Create a healthier, more productive team
Let’s build a plan that fits your team, and your future!
FREQUENTLY ASKED QUESTIONS
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Once we have your employee information (Company Census).You will receive a link in less than 24 hours (aside from weekends and holidays). You can sign-up for the 1st of the month if you enrol before the 14th of the month, otherwise your benefits will take effect on the 1st of the following month.
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Once you've completed your Digital Master Application, each employee will receive a secure email link to complete their enrolment — a process that typically takes less than 5 minutes.
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Yes, you can add dental later, but you cannot change back for 2 years afterwards.
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Rates are reviewed annually and pooled with those of hundreds of others, meaning your rate is based on the collective usage of the entire pool, not your groups individual usage.