{"id":1800,"date":"2025-08-30T11:21:19","date_gmt":"2025-08-30T18:21:19","guid":{"rendered":"https:\/\/immixgroup.ca\/blog\/?p=1800"},"modified":"2025-08-30T16:53:30","modified_gmt":"2025-08-30T23:53:30","slug":"what-bc-employers-need-to-know-government-health-care-changes","status":"publish","type":"post","link":"https:\/\/immixgroup.ca\/blog\/2025\/08\/30\/what-bc-employers-need-to-know-government-health-care-changes\/","title":{"rendered":"What BC Employers Need to Know About Canada\u2019s New Government Health Care Changes"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1800\" class=\"elementor elementor-1800\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-624038f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"624038f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3df3883\" data-id=\"3df3883\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c28da50 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c28da50\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7adb975\" data-id=\"7adb975\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0fa08c7 elementor-widget elementor-widget-text-editor\" data-id=\"0fa08c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h4><em>At the Immix Group, every government announcement on healthcare changes sparks the same question from plan sponsors: \u201cWill this shift claims away from our group benefits plan and reduce claim costs?\u201d<\/em><\/h4><p>\u00a0<\/p><p>by <a id=\"ember1416\" class=\"active ember-view pv-verified-info-modal__vieweetitle\" href=\"https:\/\/www.linkedin.com\/in\/lindsaybyrka\/?lipi=urn%3Ali%3Apage%3Ad_flagship3_profile_verification_details%3B%2BiISPezIQvaydOw%2F7NcoTA%3D%3D\" data-ntt-old-href=\"\/in\/lindsaybyrka\/\" data-artdeco-is-focused=\"true\" target=\"_blank\" rel=\"noopener\">Lindsay Byrka, CFP\u00ae <\/a>Vice President, <a href=\"https:\/\/www.immixgroup.ca\/\">Immix Group<\/a><\/p><p>Canada is known for universal healthcare, but each province and territory administers its own plan. While medically necessary hospital and physician services are covered nationwide, provinces decide eligibility and additional coverage. Coverage is based on residency and is portable within Canada. Funding comes from the federal government via the Canada Health Transfer.<\/p><p>For example, eye exam coverage for children varies: most provinces cover it, but a few leave the cost to private plans or individuals. So, while healthcare is universal, coverage differences exist, and some services remain the responsibility of private insurance or individuals.<\/p><p>Government coverage updates often attract media attention, and employers may assume this reduces the role of group benefits. Historically, shifts have gone both ways, but recent changes have increasingly shifted coverage back to the government.<\/p><p>Loosely, the Canada Health Act prohibits coverage or services for items already covered by public healthcare to avoid a two-tiered system. Group benefits plans and their offerings fall under \u2018private insurance.\u2019 \u00a0Generally speaking, the plans are complementary \u2013 insurers do not need to cover and cannot cover these items.<\/p><p>This article walks through significant recent changes, provides an overview of these changes, their potential impact on employee benefits programs, and what employers need to know.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-224ba62 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"224ba62\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b56972c\" data-id=\"b56972c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ed25b5c elementor-widget elementor-widget-text-editor\" data-id=\"ed25b5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><strong>Canada Dental Care Plan (CDCP) <\/strong><\/h2><p>The Canadian Dental Care Plan (CDCP) launched the end of 2023. After some initial hiccups mostly centered around the hesitancy of dentists to sign up due to unclear terms and conditions surrounding claims reimbursement, these issues appear to have been worked out. Reportedly 98% of dentists now care for patients under the CDCP. With the latest expansion, nearly 5M Canadians now have approved applications. The program is adjudicated by SunLife Financial.<\/p><p>\u00a0<\/p><p><strong>Does the Federal Canadian Dental Care Plan replace coverage through an employer-sponsored group benefits plan<\/strong>?<\/p><p>No. <a href=\"https:\/\/www.canada.ca\/en\/services\/benefits\/dental\/dental-care-plan\/qualify.html\" target=\"_blank\" rel=\"noopener\">To qualify, you must have no access to any coverage<\/a> including a private plan, employer\u2019s plan or through a Health Spending Account. This program is designed for lower income individuals and families without access to coverage.<\/p><p>\u00a0<\/p><p><strong>Could an employer terminate their dental coverage in order to shift this expense to the government?<\/strong><\/p><p>The likely effect would be very few eligible employees, and coverage would be far less than under a typical group benefits program. The CDCP provides limited coverage, to a limited segment of people, based on family income:<\/p><ul><li>40% coverage for family income at $80-$90K<\/li><li>60% coverage for family income at $70-$80K<\/li><li>100% coverage for family income under $70K<\/li><\/ul><p>As indicated, there is coinsurance, and additional fees may be required. Coverage is limited to certain items, most of which are basic services attached to preventative oral care. Higher cost items including crowns require preapproval and may or may not be covered. More costly items like <a href=\"https:\/\/www.canada.ca\/en\/services\/benefits\/dental\/dental-care-plan\/guide.html\" target=\"_blank\" rel=\"noopener\">dental implants are not included<\/a>.<\/p><p>\u00a0<\/p><p><strong>Employer Requirement to Report Dental Care Eligibility on T4s<\/strong><\/p><p>Beginning for 2023, employers were required to indicate one of five codes in a new Box 45 on T4 Slips, indicating status as of December 31 of the tax year:\u00a0<\/p><ul><li style=\"list-style-type: none;\"><ol><li>No access to any dental coverage<\/li><li>Coverage for the employee only<\/li><li>Coverage for employee, spouse, and dependents<\/li><li>Coverage for employee and spouse only<\/li><li>Coverage for employee and dependents only<\/li><\/ol><\/li><\/ul><p>This caused a lot of confusion initially, and at the Immix Group we answered many questions as to the notations, especially surrounding the timing. This is now a requirement each tax year.<\/p><p>\u00a0<\/p><p><strong>What is the Impact of the Canada Dental Care Plan on Employee Benefits Programs?\u00a0<\/strong><\/p><p>In short, the rollout of the Federal Dental Program has not had a notable impact on employer programs. Within our block of business, no changes were made to any plans due to the CDCP. The biggest impacts on dental costs to employers remain the same: higher costs charged by dentists (inflation, advances in technology etc), an aging population and workforce with higher needs, and greater adherence to a routine visitation schedule.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bec07fe elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bec07fe\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1817069\" data-id=\"1817069\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c836ec7 elementor-widget elementor-widget-text-editor\" data-id=\"c836ec7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>National Pharmacare Initiative: Continued Expansion<\/h2><p><strong>What is Bill C-64 and why should it matter to Employers? <\/strong><\/p><p>We\u2019ve received a lot of questions about the new Pharmacare plan, and whether this will mean a reduction in employer extended health care costs. Bill C-64 is a step towards a national universal pharmacare (i.e. drug coverage). In short, it authorized the federal government\u2019s funding (via the provinces\/ territories) to provide coverage for prescription contraceptives, hormone replacement therapy and diabetes medication and supplies.<\/p><p>The <a href=\"https:\/\/www.canada.ca\/en\/health-canada\/news\/2024\/10\/government-of-canada-passes-legislation-for-a-first-phase-of-national-universal-pharmacare.html?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noopener\">long-term goal is to achieve universal, single-payer coverage for a wider range of prescription medication<\/a>. A national pharmacare program could help ensure that all Canadians have access to the medications they need, regardless of their income or where they live. The initial focus is on providing these medications free or at low cost, eliminating the need to coordinate with private insurance plans for these specific items. Several areas have recently been addressed which have received a lot of attention.<\/p><h2>Prescription Birth Control and Hormone Replacement Therapy<\/h2><p><strong>\u00a0<\/strong><\/p><p><strong>Does government coverage for contraception and hormone replacement therapy medications replace employer-sponsored coverage?<\/strong><\/p><p>As coverage is rolled out region by region, yes, it should mostly cover medications previously covered via employer group benefits plans.<\/p><p>Since April 2023 in BC, prescription birth control has been covered at the point of service, nearly eliminating the need for private reimbursement. There are a few medications that may not be covered, but generally, this was a broad change. Other provinces are now phasing in similar coverage as part of the pharmacare framework. Because BC already rolled out coverage for prescription contraceptives, the new funding will be directed towards hormone replacement therapy (HRT) in BC.<\/p><p>\u00a0<\/p><p><strong>What is the Impact on Group Benefits Plans and Employers of Government Funded Prescription Birth Control:<\/strong><br \/>Employers do not need to take action to remove specific drugs from their plans. As governments roll out these changes (as we already saw in BC), insurance carriers will adapt their coverage, ensuring private and group benefits programs no longer cover these items.<\/p><p>Financially, the effect may be minor\u2014contraception and HRT tends to be lower-cost in the overall drug landscape, but this will differ depending on the demographics of your group. \u00a0<\/p><p>\u00a0<\/p><p><strong>Family Planning and Fertility Benefits<\/strong><\/p><p>While the Federal government has indicated the intent to expand coverage related to \u201cfertility care, reproductive health, and family-building support\u201d<a href=\"https:\/\/cfas.ca\/Federal_Funding.html?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noopener\"> current coverage is via the provinces and territories and differs significantly<\/a>.<\/p><p>As of July 2, 2025, for eligible applicants, BC funds one standard IVF cycle for ages 18-41. This <a href=\"https:\/\/www2.gov.bc.ca\/gov\/content\/health\/accessing-health-care\/publicly-funded-ivf-program\" target=\"_blank\" rel=\"noopener\">new government coverage is income tested<\/a>, looking to household income, and providing the maximum following benefits, for one IVF cycle and related medications:<\/p><ul><li>Under $100K, $19K<\/li><li>$100K-$150K, $14,250<\/li><li>$150K-$200K, $9,500<\/li><li>$200K to $250K, $4,750<\/li><\/ul><p>Over $250K of family income, no coverage is available via the BC government. It\u2019s worth noting there are other common family-building\/ fertility expenses beyond IVF such as egg \/ sperm freezing, IUI, and more, which remain outside the scope of government coverage.<\/p><p>\u00a0<\/p><p><strong>What does the new BC IVF coverage this mean for employers and their group benefits plans?<\/strong><\/p><p>At this point, not a lot. While it\u2019s a small win for families who have struggled to conceive and the new government coverage in BC is a step in the right direction, this doesn\u2019t mean much for employer cost shifting.\u00a0 Most benefits programs offer very limited or no coverage at all for expenses related to fertility treatments. If some coverage is in place, it\u2019s inadequate compared to actual costs for full circle fertility treatments such as In-Vitro Fertilization.<\/p><p>As the actual costs typically far exceed the combination of government and any available employer coverage,<a href=\"https:\/\/immixgroup.ca\/blog\/2025\/03\/04\/supporting-women-at-every-stage-how-employee-benefits-can-make-a-difference\/\"> this is still an area where we feel most people will experience a large financial gap in coverage<\/a>.<\/p><h2>Diabetes Medications &amp; Devices<\/h2><p>The new Federal pharmacare initiative has also authorized coverage for eligible diabetes medication and supplies. This is being rolled out at different times, depending on the province or territory. Many provinces have signed agreements and some were in effect for mid 2025 (Manitoba, PEI). As of August 2025, some agreements are still pending, while Alberta has indicated they will opt out. \u00a0<\/p><p>For British Columbia, the expected timeline is:<\/p><ul><li>Starting <strong>March 1, 2026<\/strong>: 100% public coverage for eligible diabetes medications (for both Type 1 and Type 2 diabetes)<\/li><li>Starting <strong>April 1, 2026<\/strong>: Expanded coverage for diabetes devices and supplies, including items such as glucose monitors and test strips.<\/li><\/ul><p>Similar to what we already saw with prescription contraceptives, it\u2019s expected costs will be covered at point of sale without copay or deductible.<\/p><p>\u00a0<\/p><p><strong>Does the federal pharmacare agreement relating to diabetes treatments replace coverage through an employer-sponsored group benefits plan?<\/strong><\/p><p>We expect to see a reduction in diabetes related expenses on employer plans. Diabetes medications represent roughly 15% of drug plan spending by dollars, largely driven by rising demand and the adoption of higher-cost therapies. With pharmacare coverage rolling out, employers may benefit from reduced claims for this therapeutic category.<\/p><p>Again, exact covered drugs and supplies will differ by province. While core medications like insulin and metformin will certainly be included, it is not yet clear whether newer, higher-cost therapies (such as GLP-1s like Ozempic and Trulicity) will be covered in full, and the extent or timing of coverage for supplies like insulin pumps, blood glucose monitors and test strips, per region.<\/p><p>\u00a0<\/p><p><strong>Do Employers need to make changes to benefits plans due to the roll out of government coverage for diabetes treatments? \u00a0<\/strong><\/p><p>As we saw with prescription birth control, insurance carriers will adjust eligible drugs under employer group benefits plans to coordinate with changes in provincial coverage, as these changes roll out. Employers and advisors will not need to take on the task of ensuring no duplication of coverage.<\/p><h2>Service Canada Employment Insurance Extension for Sickness Benefits \u00a0<\/h2><p><strong>What change was made to Service Canada EI Sickness Benefits? <\/strong><\/p><p>Service Canada expanded the benefit duration for EI Sickness benefits to 26 weeks effective for December 18<sup>th<\/sup> 2022. Previously, coverage was 15 weeks after a 2-week waiting period (17 weeks total).<\/p><p>\u00a0<\/p><p><strong>Why does the change to EI Sickness Benefits duration have a potential impact on employer sponsored group benefits programs?<\/strong><\/p><p>This is because of the alignment of benefit timing. Long Term Disability coverage is typically provided through group benefits programs, and LTD has traditionally aligned with the end of the old EI Sickness benefit duration, commencing after 119 days (i.e 17 weeks).<\/p><p>It is worth noting that insured STD is not very common with SMBs. Less than half offer this, and coverage is more common with larger employers. Most smaller companies rely on EI Sickness for this pre-LTD period.<\/p><p>\u00a0<\/p><p><strong>Do Employers need to adjust Long Term Disability plan waiting periods due to the change to EI Sickness Benefits? <\/strong><\/p><p>Shifting to a longer waiting period has not made sense in most instances. Under a properly set up LTD plan, LTD should pay a great percentage of income replacement and an overall higher amount of benefit per month than under EI Sickness, which is limited to 55% of weekly earnings, <a href=\"https:\/\/www.canada.ca\/en\/services\/benefits\/ei\/ei-sickness\/benefit-amount.html\" target=\"_blank\" rel=\"noopener\">to a max of $695 taxable<\/a> (2025). LTD is usually 67% of pre-tax earnings, to a maximum, most commonly received tax free due to employee-paid premiums.<\/p><p>The premium reduction offered by insurance carriers to extend the group LTD waiting period from the usual 119 days to 182 days is very minor (2-3%), meaning it was overall more beneficial to have disabled plan members move more quickly to Long Term Disability.<\/p><p>At the Immix Group, across our block of business, we did not see employers make the switch to a longer group Long Term Disability elimination period. While we have established new group benefit plans since this time with 6-month LTD waiting periods, and these groups are usually smaller and with average incomes on the lower end.<\/p><p>\u00a0<\/p><p><strong>Awareness and Communication is Key <\/strong><\/p><p>Recent government health care changes are a positive step toward expanding access, and employers may see some costs shift away from their plans, potentially reducing claim expenses. Coverage varies by province and income level, so employers should stay aware of changes in their region. Generally, employers don\u2019t need to amend their benefit plans; the key is staying informed\u2014understanding how new programs work, how eligibility is determined, and how these changes interact with group benefits. Staying up to date helps employers maintain strong, competitive programs.<\/p><p>\u00a0<\/p><p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2fe8ab5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2fe8ab5\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-73e1539\" data-id=\"73e1539\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-42b0bbb elementor-widget elementor-widget-text-editor\" data-id=\"42b0bbb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><strong>Key Takeaways <\/strong><\/h3><p><strong>Employee benefit plans still essential \u2013<\/strong> Government programs add safety nets but don\u2019t replace group benefits. Expansions to government coverage will reduce some costs for some employers.<\/p><p><strong>Dental plan impact minimal<\/strong> \u2013 CDCP is only for those without private coverage or access to coverage; employers must now report dental access on T4s.<\/p><p><strong>Expanded Pharmacare rollout<\/strong> \u2013 Contraceptives, HRT, and diabetes drugs\/devices are shifting to public coverage region by region; insurers will adjust automatically.<\/p><p><strong>IVF coverage in BC<\/strong> \u2013 While <a href=\"https:\/\/cfas.ca\/Federal_Funding.html?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noopener\">federal coverage is still in the works<\/a>, BC now funds one income-tested IVF cycle. However, due to the high costs and since most benefits plans offer little or no fertility coverage, the result is expected to be a minimal impact on employer plans.<\/p><p><strong>EI sickness extension<\/strong> \u2013 Benefits extended to 26 weeks, but most employers haven\u2019t changed LTD plans since LTD remains stronger.<\/p><p><strong>Awareness is key<\/strong> \u2013 No major plan changes needed; employers should focus on communicating what new coverage means for employees.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-45895ec elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"45895ec\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6e96944\" data-id=\"6e96944\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f8c22c9 elementor-widget elementor-widget-text-editor\" data-id=\"f8c22c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>FAQ\u2019s<\/h3><p><strong>Does the Canadian Dental Care Plan replace employer dental coverage?<\/strong><br \/>No. It only covers those without private or employer-sponsored dental coverage, and provides limited benefits based on income.<\/p><p><strong>Do employers need to change their benefit plans because of expanded national Pharmacare coverage?<\/strong><br \/>No. Insurers will automatically adjust plans as coverage rolls out for contraceptives, HRT, and diabetes medications\/devices.<\/p><p><strong>What does BC\u2019s new IVF coverage mean for employers?<\/strong><br \/>BC now funds one IVF cycle, with income-tested eligibility. However, costs usually exceed government support or traditional coverage under benefits plans, so there is minimal impact on employer plans.<\/p><p><strong>Can employers expect cost savings from these government changes?<\/strong><br \/>Potentially. Some costs may shift from employer plans to government programs, which could reduce claim expenses.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-403d86c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"403d86c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4eced3e\" data-id=\"4eced3e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0b4a212 elementor-widget elementor-widget-text-editor\" data-id=\"0b4a212\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Read More<\/h3><p><a href=\"https:\/\/www.canada.ca\/en\/services\/benefits\/dental\/dental-care-plan\/guide.html\" target=\"_blank\" rel=\"noopener\">Canadian Dental Care Plan &#8211; Dental Benefits Guide &#8211; Canada.ca<\/a><\/p><p><a href=\"https:\/\/www2.gov.bc.ca\/gov\/content\/health\/health-drug-coverage\/pharmacare-for-bc-residents\/national-pharmacare?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noopener\">National pharmacare in B.C. &#8211; Province of British Columbia<\/a><\/p><p><a href=\"https:\/\/www.canada.ca\/en\/health-canada\/corporate\/transparency\/health-agreements\/national-pharmacare-bilateral-agreements\/british-columbia.html\" target=\"_blank\" rel=\"noopener\">Universal Access to Contraception and Diabetes Medications and Increased Access to Diabetes Devices and Supplies, Canada-British Columbia Funding Agreement &#8211; Canada.ca<\/a><\/p><p><a href=\"https:\/\/www2.gov.bc.ca\/gov\/content\/health\/health-drug-coverage\/pharmacare-for-bc-residents\/what-we-cover\/prescription-contraceptives\" target=\"_blank\" rel=\"noopener\">Free contraceptives &#8211; Province of British Columbia<\/a><\/p><p><a href=\"https:\/\/www.canada.ca\/en\/employment-social-development\/news\/2022\/11\/government-of-canada-improves-sickness-benefits-under-the-employment-insurance-system1.html?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noopener\">Government of Canada improves sickness benefits under the Employment Insurance system &#8211; Canada.ca<\/a><\/p><p><a href=\"https:\/\/www.canada.ca\/en\/services\/benefits\/ei\/ei-sickness\/benefit-amount.html\" target=\"_blank\" rel=\"noopener\">EI Sickness Benefit &#8211; How much you could receive &#8211; Canada.ca<\/a><\/p><p><a href=\"https:\/\/www.canada.ca\/en\/services\/benefits\/dental\/dental-care-plan\/qualify.html\" target=\"_blank\" rel=\"noopener\">Canadian Dental Care Plan &#8211; Do you qualify &#8211; Canada.ca<\/a><\/p><p><a href=\"https:\/\/cfas.ca\/Federal_Funding.html?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noopener\">Federal Funding &#8211; Canadian Fertility &amp; Andrology Society<\/a><\/p><p><a href=\"https:\/\/www2.gov.bc.ca\/gov\/content\/health\/accessing-health-care\/publicly-funded-ivf-program\" target=\"_blank\" rel=\"noopener\">Publicly funded in-vitro fertilization (IVF) program &#8211; Province of British Columbia<\/a><\/p><p><a href=\"https:\/\/immixgroup.ca\/blog\/2025\/03\/04\/supporting-women-at-every-stage-how-employee-benefits-can-make-a-difference\/\">Supporting Women at Every Stage: How Employee Benefits Can Make a Difference &#8211; Latest News from Immix Group<\/a><\/p><p><a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/news\/cra-multimedia-library\/businesses-video-gallery\/dental-care-measures-act-t4-t4a-updates.html?utm_source=chatgpt.com\" target=\"_blank\" rel=\"noopener\">Dental Care Measures Act \u2013 T4 and T4A Updates &#8211; Canada.ca<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-928c804 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"928c804\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-8f83b8a\" data-id=\"8f83b8a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8d842d2 elementor-widget elementor-widget-global elementor-global-230 elementor-widget-image\" data-id=\"8d842d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"640\" height=\"960\" src=\"https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/03\/260114-259xx-683x1024.avif\" class=\"attachment-large size-large wp-image-1957\" alt=\"Lindsay Byrka\" srcset=\"https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/03\/260114-259xx-683x1024.avif 683w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/03\/260114-259xx-200x300.avif 200w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/03\/260114-259xx-768x1152.avif 768w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/03\/260114-259xx.avif 1000w\" sizes=\"(max-width: 640px) 100vw, 640px\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a89fa95\" data-id=\"a89fa95\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e9df319 elementor-widget elementor-widget-global elementor-global-233 elementor-widget-text-editor\" data-id=\"e9df319\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span class=\"cert\"><a id=\"ember1416\" class=\"active ember-view pv-verified-info-modal__vieweetitle\" href=\"https:\/\/www.linkedin.com\/in\/lindsaybyrka\/?lipi=urn%3Ali%3Apage%3Ad_flagship3_profile_verification_details%3B%2BiISPezIQvaydOw%2F7NcoTA%3D%3D\" data-ntt-old-href=\"\/in\/lindsaybyrka\/\" data-artdeco-is-focused=\"true\" target=\"_blank\" rel=\"noopener\">Lindsay Byrka, CFP\u00ae<\/a> BA, BEd<\/span><\/h3><p>Vice President, Immix Group: An Employee Benefits Company<br \/><strong>A<\/strong>\u00a0<a href=\"https:\/\/www.google.com\/maps\/embed?pb=!1m18!1m12!1m3!1d2602.5699178039927!2d-123.12053598382099!3d49.28454617855886!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0x54867181f97930d5%3A0x9797e526e8704198!2s888%20Dunsmuir%20St%20%23450%2C%20Vancouver%2C%20BC%20V6C%203K4!5e0!3m2!1sen!2sca!4v1583124389424!5m2!1sen!2sca\" target=\"new\" rel=\"noopener\">Suite 450 &#8211; 888 Dunsmuir St. Vancouver V6C 3K4<\/a><br \/><strong>O<\/strong>\u00a0 <a href=\"tel:6046885262\">604-688-5262<\/a><strong>\u00a0<\/strong><\/p><p><strong>E<\/strong>\u00a0<a href=\"mailto:lindsay@immixgroup.ca\">lindsay@immixgroup.ca<\/a><br \/><strong>W<\/strong>\u00a0<a href=\"http:\/\/www.immixgroup.ca\/\">www.immixgroup.ca<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ff52cdd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ff52cdd\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-abc2335\" data-id=\"abc2335\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-003662a elementor-share-buttons--view-icon-text elementor-share-buttons--skin-gradient elementor-share-buttons--shape-square elementor-grid-0 elementor-share-buttons--color-official elementor-widget elementor-widget-share-buttons\" data-id=\"003662a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_facebook\" role=\"button\" tabindex=\"0\" aria-label=\"Share on facebook\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-facebook\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-share-btn__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__title\">\n\t\t\t\t\t\t\t\t\t\tFacebook\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_twitter\" role=\"button\" tabindex=\"0\" aria-label=\"Share on twitter\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-twitter\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-share-btn__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__title\">\n\t\t\t\t\t\t\t\t\t\tTwitter\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_linkedin\" role=\"button\" tabindex=\"0\" aria-label=\"Share on linkedin\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-linkedin\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-share-btn__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__title\">\n\t\t\t\t\t\t\t\t\t\tLinkedIn\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-dfb65e0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"dfb65e0\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8434ab0\" data-id=\"8434ab0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a34691f elementor-post-navigation-borders-yes elementor-widget elementor-widget-post-navigation\" data-id=\"a34691f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-navigation.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-post-navigation\" role=\"navigation\" aria-label=\"Post Navigation\">\n\t\t\t<div class=\"elementor-post-navigation__prev elementor-post-navigation__link\">\n\t\t\t\t<a href=\"https:\/\/immixgroup.ca\/blog\/2025\/08\/03\/employee-benefits-audit-checklist\/\" rel=\"prev\"><span class=\"post-navigation__arrow-wrapper post-navigation__arrow-prev\"><i aria-hidden=\"true\" class=\"fas fa-angle-left\"><\/i><span class=\"elementor-screen-only\">Prev<\/span><\/span><span class=\"elementor-post-navigation__link__prev\"><span class=\"post-navigation__prev--label\">Previous<\/span><span class=\"post-navigation__prev--title\">Your 2025 Employee Benefits Audit Checklist<\/span><\/span><\/a>\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-post-navigation__separator-wrapper\">\n\t\t\t\t\t<div class=\"elementor-post-navigation__separator\"><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-post-navigation__next elementor-post-navigation__link\">\n\t\t\t\t<a href=\"https:\/\/immixgroup.ca\/blog\/2025\/09\/27\/six-common-benefits-plan-mistakes-that-can-cost-employers\/\" rel=\"next\"><span class=\"elementor-post-navigation__link__next\"><span class=\"post-navigation__next--label\">Next<\/span><span class=\"post-navigation__next--title\">Six Common Benefits Plan Mistakes that can Cost Employers<\/span><\/span><span class=\"post-navigation__arrow-wrapper post-navigation__arrow-next\"><i aria-hidden=\"true\" class=\"fas fa-angle-right\"><\/i><span class=\"elementor-screen-only\">Next<\/span><\/span><\/a>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-42d9dc1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"42d9dc1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8f42364\" data-id=\"8f42364\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-99a1f0a elementor-widget elementor-widget-heading\" data-id=\"99a1f0a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Latest Insights<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-722631c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"722631c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7e23980\" data-id=\"7e23980\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9584b53 elementor-grid-1 elementor-posts--thumbnail-none elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-card-shadow-yes elementor-posts__hover-gradient elementor-widget elementor-widget-posts\" data-id=\"9584b53\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;cards_columns&quot;:&quot;1&quot;,&quot;pagination_type&quot;:&quot;numbers_and_prev_next&quot;,&quot;cards_columns_tablet&quot;:&quot;2&quot;,&quot;cards_columns_mobile&quot;:&quot;1&quot;,&quot;cards_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:35,&quot;sizes&quot;:[]},&quot;cards_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;cards_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.cards\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-cards elementor-grid\" role=\"list\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-1543 post type-post status-publish format-standard has-post-thumbnail hentry category-emloyee-benefits category-employee-benefits-plans category-employee-group-savings-plan tag-benefits-customization tag-broker-managed-benefits-pool tag-cost-containment-strategies tag-employee-benefits tag-employee-financial-health tag-employee-well-being tag-employer-sponsored-benefits tag-financial-education tag-financial-literacy tag-financial-literacy-workshops tag-financial-wellness tag-group-benefits-plans tag-group-savings-programs tag-immix-group tag-innovative-benefits-pricing tag-tailored-benefits-solutions tag-vancouver-employee-benefits tag-workforce-productivity tag-workplace-financial-health\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/immixgroup.ca\/blog\/2024\/12\/01\/your-one-stop-guide-exploring-key-themes-in-employee-benefits\/\">\n\t\t\t\tYour One-Stop Guide: Exploring Key Themes in Employee Benefits\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>A Guide to Immix Insights Articles Are you wondering what we\u2019ve been writing about? Perhaps you haven\u2019t had time to read the articles, but you\u2019re hoping to gain some information<\/p>\n\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/immixgroup.ca\/blog\/2024\/12\/01\/your-one-stop-guide-exploring-key-themes-in-employee-benefits\/\" aria-label=\"Read more about Your One-Stop Guide: Exploring Key Themes in Employee Benefits\" tabindex=\"-1\">\n\t\t\tRead More \u00bb\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\tDecember 1, 2024\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t<div class=\"e-load-more-anchor\" data-page=\"1\" data-max-page=\"4\" data-next-page=\"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/1800\/page\/2\/\"><\/div>\n\t\t\t\t<nav class=\"elementor-pagination\" aria-label=\"Pagination\">\n\t\t\t<span class=\"page-numbers prev\">&laquo; Previous<\/span>\n<span aria-current=\"page\" class=\"page-numbers current\"><span class=\"elementor-screen-only\">Page<\/span>1<\/span>\n<a class=\"page-numbers\" href=\"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/1800\/page\/2\/\"><span class=\"elementor-screen-only\">Page<\/span>2<\/a>\n<a class=\"page-numbers\" href=\"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/1800\/page\/3\/\"><span class=\"elementor-screen-only\">Page<\/span>3<\/a>\n<a class=\"page-numbers\" href=\"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/1800\/page\/4\/\"><span class=\"elementor-screen-only\">Page<\/span>4<\/a>\n<a class=\"page-numbers next\" href=\"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/1800\/page\/2\/\">Next &raquo;<\/a>\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>At the Immix Group, every government announcement on healthcare changes sparks the same question from plan sponsors: \u201cWill this shift claims away from our group benefits plan and reduce claim costs?\u201d by Lindsay Byrka, CFP\u00ae Vice President, Immix Group Canada is known for universal healthcare, but each province and territory administers its own plan. While [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1811,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14,19,9],"tags":[209,215,212,213,219,210,130,217,208,211,221,222,218,220,214,216],"class_list":["post-1800","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-emloyee-benefits","category-employee-health","category-health-care-plans","tag-bc-health-care-updates","tag-bc-pharmacare","tag-canadian-dental-care-plan","tag-cdcp-2025","tag-ei-sickness-benefits-canada","tag-employee-benefits-bc","tag-employee-benefits-canada","tag-fertility-coverage-bc","tag-government-health-care-changes","tag-group-benefits-vancouver","tag-hr-insights-vancouver","tag-immix-group-benefits","tag-ivf-coverage-bc","tag-long-term-disability-bc","tag-national-pharmacare-canada","tag-prescription-drug-coverage-canada"],"_links":{"self":[{"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/1800","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/comments?post=1800"}],"version-history":[{"count":20,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/1800\/revisions"}],"predecessor-version":[{"id":1822,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/1800\/revisions\/1822"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/media\/1811"}],"wp:attachment":[{"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/media?parent=1800"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/categories?post=1800"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/tags?post=1800"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}