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Third Party Administration

Eclipse Financial’s unique Third Party Administration service is a distinguishing feature that sets us apart from other firms.

This in-house service can be an effective cost-containing tool when managing group benefit plans. Providing a proper plan is vital in both attracting new employees as well as retaining tenured ones. In Canada, it is a reality that health care spending is increasing every year. If current trends continue, governments will be forced to raise taxes, cut spending or make people pay more out of their pockets.

Here are some alarming statistics from the Canadian Institutes of Health Research:

  • In 2009, Canada was forecast to spend $191.6 billion on healthcare, an average of $5,614 per Canadian. That total represents an increase of roughly $9.5 billion (roughly $216 per person) over 2008.
  • In 2009, drug spending reached almost $30 billion, representing 16.4% of total health expenditures, accounting for the second-largest component of health spending after hospital spending (27.8% or $55.3 billion).
  • Canada’s per person spending on prescribed and non-prescribed drugs remains among the highest in the OECD (Organisation for Economic Co-operation and Development) comparator countries.
  • In 2010, government spending on health care expected to reach $135.1 billion, while private-sector spending, which includes both private insurance and out-of-pocket expenses, reached an estimated $56.6 billion

Dental plans provide employees with pre-paid and pre-budgeted coverage for a variety of dental procedures

A good dental plan should provide employees and their families with the assistance in paying an appropriate preventive care program, as well as assistance in covering the costs associated with more extensive restorative and corrective procedures. Daily brushing and flossing is important in order to maintain good oral health while equitable access to professional dental care is essential for diagnosis, prevention and treatment leading to good oral and general health. A proper dental plan gives individuals the ability to visit the dentist more regularly, allowing for a consistent schedule of check-ups aiding in resolving issues before they become major.

Members can login by clicking here to view past claims, obtain their benefit booklet or access claim forms

We are currently in the process of building an online claims submission tool in order to electronically file your using your Smartphone. All TPA groups will be notified when this process is complete.