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The MEDdirect
Private Health Services Plan (PHSP)

What is a Private Health Services Plan?

Whether you are a sole proprietor, small business, or incorporated company, with the SABRE MEDdirect™ PHSP you can give your employees a comprehensive, non-taxable medical benefits package -- and deduct 100% of the resulting expenses from your business income.

Tell me more!

If you would like to talk to a representative about the MEDdirect™ PHSP, click here!

How does it work?

Your company contracts with SABRE Health Direct Inc. to pay tax-deductible expenses not covered by basic health and dental group insurance plans.

We can accommodate funded or non-funded plans.

The following is the process for administration of a PHSP:

  1. The covered plan member pays the medical expenses completely up-front.
  2. The member presents the original receipt(s) and claim form to the plan administrator who then submits it to SABRE Health Direct Inc.
  3. SABRE Health Direct Inc. then invoices the corporation for the full amount of the expense, plus 10% administration fee, and applicable taxes.
  4. Once the corporation pays the invoice, the provider then reimburses the employee/plan member 100% of the expense.

Some different conditions apply to unincorporated and incorporated businesses. The following chart summarizes them.

Benefits
Item Unincorporated Incorporated
Flat rate
% of income  
Per family member  
Non-taxable

General
Item Unincorporated Incorporated
Expenses: deductible
Funded/unfunded
Travel req'd.  
Insurance cycle Jan. 1-Dec. 31 (may be prorated) 365 days from anniversary of effective date

» Click here for important information for unincorporated businesses.

What are the advantages?

  • Expenses paid through a PHSP are 100% tax-deductible to the corporation.
  • Employees enjoy a tax-free benefit.
  • Out-of-pocket medical costs are turned into tax-deductible corporate expenses.
  • Provides additional coverage for employees.

What does it cost?

Fees Taxes
$150.00 one-time setup fee 13% HST on administration fee
10% administration fee on claims 8% PST on claim & administration fee (Ontario)
  2% premium tax on claim & administration fee (Ontario)
» Click here to see a sample invoice
(PDF)