Since July, more of your MVA patients run out mid-plan.
The med-rehab top-ups went optional, and nobody explained it at renewal. That gap is exactly what we fill from the group benefits side.
Auto changed on July 1st. Med-rehab and attendant care stayed mandatory, but the top-ups went optional — non-catastrophic sits at $65,000 unless the patient bought up, and the Minor Injury Guideline is still capped at $3,500. Practically, more of your motor vehicle accident patients exhaust their coverage mid-treatment this year than last. Their group plan is often carrying coverage they have never been told about.
What we bring
Two things, and the pair is the point. One is what we give your patients. One is what we send through your door.
Referrals
We already hold a book of plan members — people we meet at trade shows, and people on the plans we manage. Every one of them carries coverage across the paramedical lines, and a lot of them have nowhere they actually use it. When a benefits read turns up someone without a clinic, we match them to a partner in their area.
On top of that, we route active disability and rehabilitation files out to partner clinics — employer-pay where it applies, rates agreed in advance, no insurer approval queue.
If you offer virtual sessions, your catchment is the province. We match those members anywhere in Ontario, not just the ones near you.
Every other broker who calls a clinic is asking the owner for something. We are the only caller who arrives with patients — and they arrive knowing exactly what they are covered for.
The Insider Read
A free, licensed review of any of your patients' benefits — their booklet, a claim statement, a denial letter. One page back: exactly what they are covered for, what they are not using, and where the money is hiding. A spouse's plan nobody coordinated. A health spending account quietly expiring. A combined paramedical pool nobody has ever read.
We commonly find up to 50% more usable coverage — in the best cases it doubles. They spend it in the chair they are already sitting in.
See what a patient actually receives →What it costs you
| What you get | What it costs |
|---|---|
| More booked visits from patients already on your schedule | Nothing |
| Patients routed to you who need treatment now | Nothing |
| A free, no-obligation valuation of your own staff plan | Nothing — and it does not touch your current broker |
| A licensed insider available free to every one of your patients | Nothing |
| Patient information you hand us | None. Ever. |
You don't give us any patient information. Ever. There is a card at your front desk, and a patient scans it themselves if they want to. You are not referring anyone, and there is no fee in either direction — which keeps you clean under PHIPA and keeps us clean under our licence.
Why us, and not somebody else
Health Life Value Consulting (HLVC) did not learn this from a brochure. Hari Loganathan spent five-plus years inside Canada's largest insurer adjudicating complex disability and health claims — personally case-managing more than 2,900 files, deciding cases exactly like the ones sitting in your waiting room. He knows the tests, the timelines, the change-of-definition dates, and the wording that gets a file paid rather than closed.
What's in it for us — said plainly
We are a group benefits brokerage, and we are paid by carriers when a plan is placed, the way every brokerage is. Two things can come out of a partnership like this.
Your clinic may decide to let us value your own staff plan — free, no obligation, and it does not touch your current broker.
And some of the patients we read work for employers whose plans are measurably under-built. Occasionally — and only with that member's written consent — that becomes a conversation with their employer. Most of the time it does not, and we do the read anyway.
It is a long game and we would rather be upfront about it than have you wonder.
Questions owners ask
- "We already have a broker."
- Good — most clinics we talk to do. This does not touch that. The patient side is separate, and the review of your own plan is free either way. If your broker is doing the job, Hari will tell you so.
- "We can't refer patients to a business — that's a College issue."
- Agreed, and we would not ask you to. Nobody refers anyone. There is a card, and the patient decides. No patient information comes to us from your office, and no fee moves in either direction.
- "You can't actually change my patients' coverage."
- Correct — only an employer can change a plan. Two things we do do: we read the plan they already have and find the parts they are not using, which is where the 'up to 50%' best-case comes from. And on plans where we hold the broker of record, we are at the table when the maximums get set. That is the licence, not a promise on any one file.
- "What does it cost?"
- Nothing, in either direction. We are paid by the carrier when a plan is placed, like any brokerage. The patient reviews are free and your clinic never gets an invoice.
- "How many patients would we actually get?"
- We do not invent a number. It depends on the files in our book, your disciplines and your location. What we can tell you is where they come from and how fast they move — and Hari can tell you what he is routing in your region.
Fifteen minutes. Where your region sits on paramedical maximums, what we are seeing on disability and auto files since July, and a free read of your own staff plan if you want one.
Book your Insider ReadThere is no fee in either direction. You never hand us a patient's name.
Health Life Value Consulting is an LLQP-licensed Ontario insurance brokerage. The Insider Read is a free, no-obligation review and is not an offer of insurance. "Up to 50%" and "doubles" are best cases built on spousal coordination and unused spending accounts, not a promise. Claim outcomes depend on policy wording, medical evidence and carrier discretion. Your employer is not contacted without your written consent.