Bronze
Essential coverage
SAC Group Benefits
Compare Bronze, Silver and Gold coverage
Coverage for a Brighter Tomorrow
Silver
Expanded coverage
Gold
Elite coverage
Compare Bronze, Silver and Gold coverage
Essential coverage
Expanded coverage
Elite coverage
Bronze • Silver • Gold
Bronze
Silver
Gold
Member rates & enrollment
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Essential coverage
Expanded coverage
Elite coverage
Details of the business being covered. These sole-proprietor plans are issued to the business, so this is the legal entity on the policy.
The full legal name, exactly as it is registered.
Required
Client legal address
Required
Required
Enter a Canadian postal code, for example M5V 3A8
Required
What the business actually does, not just an industry label.
Required
Required
Required
Coverage begins on the 1st of next month for applications before the 10th, or the 1st of the month after that for applications on or after the 10th. This date is set automatically and cannot be changed.
Only the payment type is collected here. No card or banking details are to be specified here. Sterling Brokers will collect them separately over a secure channel.
Required
Coverage details
Several meaningful differences exist in drug coverage limits, dental maximums, and paramedical amounts as you move from Bronze up to Gold.
| Benefit | Bronze | Silver | Gold |
|---|---|---|---|
| Healthcare | |||
| Co-insurance | 80% | 80% | 100% |
| Rx drugs annual max | $5,000 | Unlimited | Unlimited (incl. weight loss drugs) |
| Fertility drugs | Not included | $2,400 lifetime | $5,000 lifetime |
| Vaccines | Not included | Not included | $300 / calendar year |
| Glucose monitoring | Libre only $1,500/yr | Libre only $1,500/yr | Libre + Dexcom $4,000/yr |
| Hospital room | Semi-private ($300/day; $30K/yr) | Semi-private | Semi-private |
| Hearing aids | $500 / 3 years | $500 / 5 years | $500 / 5 years |
| Termination age | Age 85 / Retirement | Age 85 / Retirement | Age 85 / Retirement |
| Paramedical | |||
| Max / practitioner / year | $300 | $500 | $500 ($1,000 psychologist) |
| Co-insurance | 80% | 80% | 100% |
| Vision | |||
| Lens / frames / contacts | $150 / 24 mo adult | $200 / 24 mo adult | $300 / 24 mo adult |
| Child benefit period | 12 months | 24 months | 12 months |
| Dental | |||
| Routine (co-ins + max) | 80%, $1,000 max | 80%, $2,000 max | 100%, $2,000 combined max |
| Major dental | Not included | 50%, $1,000 max | 50%, shares $2,000 max with routine |
| Fee guide / recall | Current / 6 months / 10 units | Current / 9 months / 8 units | Current / 5 months / 12 units |
| Out-of-country travel | |||
| Coverage + max | Emergency medical $5M lifetime | Emergency medical $5M lifetime | Emergency medical $5M lifetime |
| Max days / trip | 180 days | 180 days | 180 days |
About us
Since 2014, Sterling has grown to a team of approximately 200 professionals, partnering with Canadian businesses of every size. All three tiers are backed by the same broker relationship, service team, and platform.
Canada's group benefits company, presenting this proposal alongside Ingenious Insurance.
Meet the team →Partnering for success
Every benefit program is tailored to the client and drawn from multiple carriers, ensuring optimal costs and coverage without the complexity; one relationship, one point of contact.
Sterling's product team collaborates directly with carriers to shape and develop new offerings, giving clients early access to solutions that keep pace with evolving needs.
By pooling clients into group arrangements, Sterling gives businesses of all sizes access to enterprise-level plans typically reserved for large corporations.
Our benefits expertise
Members can count on prompt, direct support from a dedicated service team, with most queries resolved within 24 hours.
Every client is supported by a fully licensed Executive Account Manager, on hand for expert benefits advice and seamless renewal management.
Decades of industry expertise inform every client relationship, providing confident guidance through even the most complex benefits situations.