Welcome    Members to MediDirect®

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MediDirect® is proud to be the health, dental and wellness benefit plan of choice for AREA members. Your MediDirect® REALTOR® plan is the solution to your healthcare benefits and insurance needs, and you will have the coverage you have traditionally been unable to obtain or have been specifically excluded from.

• Convert healthcare expenses into 100% business deductions.
• Say good-bye to restrictions and limitations.
• Pay for only what you use, and personally decide which health expenses will be covered; you don’t have to work within the boundaries of an insurance plan.

The health coverage side of your benefit plan uses a customized health spending account (HSA). An HSA is an individual account set up by the sole proprietor or business owner and administered by MediDirect® to allow reimbursement for all health, dental and wellness expenses at a lower cost than grouped benefits.

Then, by selecting from our menu of optional insurances, you can further customize your benefit plan to fit your unique needs.

MediDirect® is a third party administrator of health spending accounts for REALTORS® and offices employing REALTORS® and support staff to comply with Canada Revenue Agency regulations regarding cost plus private health services plans. REALTORS® will find this particularly appealing, because they have traditionally been unable to access quality coverage. Under Canada Revenue Agency regulations, if a REALTOR® derives more than 50% of income from real estate sales, they are eligible to participate in a MediDirect® Benefit Plan.

MediDirect® benefit plans allow you to claim medical expenses during any twelve month time period ending within the fiscal year-end of the business. In some cases, up to 24 months of expenses may be claimed for the start-up year. Please contact us for more information.

Please continue on to the rest of the MediDirect® website to learn more. This page of the MediDirect® website is for REALTORS® only, and is not accessible through our regular website menu. Once you leave this page, you can only navigate back to it by using your browser "back" feature.

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OPTIONAL INSURANCE PRODUCTS

Self-employed individuals and businesses with less than ten employees find it costly and difficult to obtain individual or group insurance products. At MediDirect® we are committed to sourcing out and providing products designed for individuals or small groups that are group rated, and therefore the most cost efficient for small business.

By choosing which products serve your needs and/or your employee’s needs, you can assemble a full benefit plan providing maximum coverage for less than maximum cost. Our insurance options are open to our clients as well as any REALTOR® or employees of companies that do not have a group or individual plan and would like coverage on their own.

The policies listed below are guaranteed issue which means that medicals are not required.

Loss of Income (Disability Insurance)

Our Quote on Demand system allows you to obtain a quick estimated premium cost for your Disability Insurance policy. No personal information is required unless you decide to proceed with a formal application.

Why is Disability Insurance Costly and
What is the MediDirect® Alternative?

Normally, disability insurance covers the risk of disability from both "accident and injury" and from "illness and sickness". Premiums for the illness and sickness portion are up to 80% of the total cost, while the accident or injury portion is approximately 20% of the cost.

This can be separated to provide less comprehensive but cost effective coverage. MediDirect® offers an "Accident and Injury Only" disability insurance which can be combined with Critical Illness Insurance to provide a lower cost option but which is not as comprehensive as a full disability insurance policy. Remember, full disability insurance covers illnesses and sickness that prevent you from working as well as accident and injury. Accident and Injury Only disability insurance provides coverage for physical bodily harm caused by a mishap or event which is not expected. It does not cover disease or sickness, an unhealthy condition of the body, an impairment of normal physiological function or infection.

When you purchase Loss of Income Insurance, you will be given the option to add on Accidental Death & Dismemberment Insurance (AD&D). This is a value added option that provides 24 hour protection, anywhere in the world, for accidental loss of life, limb, eyesight, speech, hearing, or loss of use of limbs, plus many other benefits.

Critical Illness Insurance

Critical Illness Insurance pays out a lump sum cash amount upon diagnosis and survival of at least 30 days, of covered illnesses. The amount paid out can be used for any purpose. Critical Illness Insurance is not based upon your inability to work nor does full recovery affect your payout.

MediDirect® Health, Dental & Wellness Benefit Plan Forms TO APPLY NOW 1 - Use our Online Registration,    OR  2 - Complete the following interactive forms, print and mail to MediDirect® USERS OF ADOBE READER VERSION 7 AND LATER CAN SAVE DATA TYPED INTO THESE FORMS. CLICK THE ICON BELOW TO DOWNLOAD THE LATEST VERSION OF ADOBE READER.
Application (business owner completes)
Employee Personal Information and Authorization (one for each eligible employee)
CLAIM FORM & Sample
Claim Form
Claim Form Sample
CHANGE FORMS (if needed) After Your Plan is Set Up
EMPLOYEE Change Personal Information and Authorization (for existing employees who wish to change their name, contact information, marital status, or dependent information)
• Related Form: Changes in marital or dependent status that affect your benefit level       require inclusion of "Employer Change Employee Benefit Level and Classification"       Form
EMPLOYER Add or Delete Employees
• Related Form: New employees must complete an "Employee Personal Information       and Authorization" Form
EMPLOYER Change Employee Benefit Level & Classification (Change your HSA levels for any or all classifications of employees, or change a classification for an individual employee)
• Related Form: Changes in marital or dependent status that affect an employee’s       benefit level require inclusion of "Employee Change Personal Information" Form

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