ÿþ<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN" "http://www.w3.org/TR/html4/loose.dtd"> <html><!-- InstanceBegin template="/Templates/template.dwt" codeOutsideHTMLIsLocked="false" --> <head> <meta http-equiv="Content-Type" content="text/html; charset=iso-8859-1"> <!-- InstanceBeginEditable name="doctitle" --> <title>Welcome to vipMD</title> <!-- InstanceEndEditable --> <style type="text/css"> <!-- body { margin-left: 0px; margin-top: 0px; margin-right: 0px; margin-bottom: 0px; } --> </style> <link href="stylesheet.css" rel="stylesheet" type="text/css"> <script language="JavaScript"> <!-- function mmLoadMenus() { if (window.mm_menu_0120160426_0) return; window.mm_menu_0120160426_0 = new Menu("root",256,25,"Tahoma",11,"#FFFFFF","#FFFFFF","#135496","#7C91BA","left","middle",4,0,500,-5,7,true,true,true,5,true,false); mm_menu_0120160426_0.addMenuItem("Need&nbsp;for&nbsp;Medical/Dental&nbsp;Plan","location='medical_dental_plan.html'"); mm_menu_0120160426_0.addMenuItem("Issues&nbsp;Regarding&nbsp;Existing&nbsp;Benefit&nbsp;Plans","location='smallbiz_benefit_plans.html'"); 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font-size: 11px; color: #FFFFFF; } --> </style> </head> <body> <script language="JavaScript1.2">mmLoadMenus();</script> <table width="778" border="0" align="center" cellpadding="0" cellspacing="1" bgcolor="#CCCCCC"> <tr> <td bgcolor="#FFFFFF"><table width="778" border="0" cellspacing="0" cellpadding="0"> <tr> <td width="191" align="center"><img src="images/vip_logo.JPG" width="135" height="70" hspace="15" vspace="4"></td> <td colspan="2" align="right" valign="top"><img src="images/sub_top.JPG" width="417" height="85"></td> </tr> <tr bgcolor="#135496"> <td></td> <td colspan="2" bgcolor="#135496">&nbsp;</td> </tr> <tr> <td height="19" valign="top" bgcolor="#7C91BA">&nbsp;</td> <td align="center" valign="top">&nbsp;</td> <td width="167" rowspan="2" valign="top" bgcolor="#ECEFF4"><!-- InstanceBeginEditable name="sideimg" --> <table width="171" border="0" cellspacing="0" cellpadding="0"> <tr> <td><img src="images/side_img1.JPG" width="171" height="129"></td> </tr> </table> <!-- InstanceEndEditable --></td> </tr> <tr> <td width="191" height="425" valign="top" bgcolor="#7C91BA"><table width="100%" border="0" cellpadding="5" cellspacing="2" bgcolor="#7C91BA"> <tr> <td><img src="images/link_bullet.JPG" width="15" height="15" hspace="11" align="absmiddle"><a href="index.html" class="blackLink">Home</a></td> </tr> <tr> <td><img src="images/link_bullet.JPG" width="15" height="15" hspace="11" align="absmiddle"><a href="#" name="link2" class="blackLink" id="link1" onMouseOver="MM_showMenu(window.mm_menu_0120160426_0,125,10,null,'link2')" onMouseOut="MM_startTimeout();">Small Business Owners</a></td> </tr> <tr> <td><img src="images/link_bullet.JPG" width="15" height="15" hspace="11" align="absmiddle"><a href="#" name="link4" class="blackLink" id="link3" onMouseOver="MM_showMenu(window.mm_menu_0120175856_0,118,10,null,'link4')" onMouseOut="MM_startTimeout();">Medical Professionals</a></td> </tr> <TR> <TD><IMG height=15 hspace=11 src="images/link_bullet.jpg" width=15 align=absMiddle><A class=blackLink href="iss.html">Insurance Solutions</A></TD></TR> <tr> <td><img src="images/link_bullet.JPG" width="15" height="15" hspace="11" align="absmiddle"><a href="contactus.html" class="blackLink">Contact Us </a></td> </tr> </table></td> <td width="420" align="center" valign="top"><!-- InstanceBeginEditable name="EditRegion3" --> <table width="95%" border="0" cellspacing="2" cellpadding="1"> <tr> <td colspan="2" class="bluetitle"><p> vipMD Basic Plan&nbsp;</p></td> </tr> <tr> <td colspan="2" valign="top" class="bodytext"><img src="images/title_ul.JPG" width="284" height="3"></td> </tr> <tr> <td colspan="2" class="bodytext"> <ul type="disc"> <li class="MsoNormal" style="margin: 0in 0in 0pt; color: black; line-height: 12pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l1 level1 lfo1; tab-stops: list .5in"><span style="font-size: 8.5pt; font-family: Tahoma">The<b style="mso-bidi-font-weight: normal"> <i style="mso-bidi-font-style: normal">vipMD Basic Plan</i></b> is a Private Health Services Plan (PHSP), a Health &amp; Welfare Trust set up to comply with Section 248(1) of the Income Tax Act allowing business owners to deduct 100% of eligible medical and dental expenses from gross business income while also offering these benefits as a tax free benefit to their employees. <?xml namespace="" ns="urn:schemas-microsoft-com:office:office" prefix="o" ?> <o:p></o:p> </span></li> </ul> <ul type="disc"> <li class="MsoNormal" style="margin: 0in 0in 0pt; color: black; line-height: 12pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l2 level1 lfo2; tab-stops: list .5in"><strong><i style="mso-bidi-font-style: normal"><span style="font-size: 8.5pt; font-family: Tahoma">vipMD Basic<span style="mso-spacerun: yes">&nbsp; </span></span> </i></strong><strong><span style="font-weight: normal; font-size: 8.5pt; font-family: Tahoma; mso-bidi-font-weight: bold">simply</span></strong><strong><i style="mso-bidi-font-style: normal"><span style="font-size: 8.5pt; font-family: Tahoma"> </span></i></strong><span style="font-size: 8.5pt; font-family: Tahoma">provides employees with their own health spending account (HSA) for predictable health claims such as dental and can be used on its own or in combination with existing group insurance coverage. <o:p></o:p> </span></li> </ul> <ul type="disc"> <li class="MsoNormal" style="margin: 0in 0in 0pt; color: #6587b5; line-height: 12pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l3 level1 lfo5; tab-stops: list .5in"><strong><i style="mso-bidi-font-style: normal"><span style="font-size: 8.5pt; color: black; font-family: Tahoma">vipMD Basic </span></i></strong><span style="font-size: 10pt; color: windowtext; font-family: Times New Roman">is affordable as it gives the Employer control to budget the monthly employee HSA contributions and not the insurance companies.</span><span style="font-size: 10pt"><o:p></o:p></span></li> </ul> <p class="MsoNormal" style="margin: 0in 0in 0pt; line-height: 12pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto"> <b style="mso-bidi-font-weight: normal"><span style="font-size: 10pt; color: #6587b5; font-family: Times New Roman"> <o:p>&nbsp;</o:p> </span></b> </p> <p class="MsoNormal" style="margin: 0in 0in 0pt; line-height: 12pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto"> <b style="mso-bidi-font-weight: normal"><u><span style="font-size: 12pt; color: #6587b5; font-family: Times New Roman">Benefit to Employers</span></u></b><u><span style="color: #6587b5"><o:p></o:p></span></u></p> <ul type="disc"> <li class="MsoNormal" style="margin: 0in 0in 0pt; color: black; line-height: 12pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l0 level1 lfo3; tab-stops: list .5in"><b style="mso-bidi-font-weight: normal"><i style="mso-bidi-font-style: normal"> <span style="font-size: 8.5pt; font-family: Tahoma">vipMD</span></i></b><b style="mso-bidi-font-weight: normal"><span style="font-size: 8.5pt; font-family: Tahoma"> <i style="mso-bidi-font-style: normal"> Basic</i></span></b><span style="font-size: 8.5pt; font-family: Tahoma"> is Cost Effective. You pay only for your employees' medical-dental claims with a 10% admin fee( vs up to 40% admin fees charged in traditional insurance plans). With vipMD, any unused premiums are 100% refunded to you vs<span style="mso-spacerun: yes">&nbsp; </span> traditional group benefit plans that keep up to<span style="mso-spacerun: yes">&nbsp; </span>two-thirds of your total premiums as profit for the insurance company<o:p></o:p></span></li> <li class="MsoNormal" style="margin: 0in 0in 0pt; color: black; line-height: 12pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l0 level1 lfo3; tab-stops: list .5in"><b style="mso-bidi-font-weight: normal"><i style="mso-bidi-font-style: normal"> <span style="font-size: 8.5pt; font-family: Tahoma">vipMD Basic</span></i></b><span style="font-size: 8.5pt; font-family: Tahoma"> <span style="mso-spacerun: yes">&nbsp;</span>is Affordable. Many small businesses simply cannot afford <span style="mso-spacerun: yes"> &nbsp;</span>high <span style="mso-spacerun: yes">&nbsp;</span>prohibitive premiums set by insurance companies that increase annually<o:p></o:p></span></li> <li class="MsoNormal" style="margin: 0in 0in 0pt; color: black; line-height: 12pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l0 level1 lfo3; tab-stops: list .5in"><b style="mso-bidi-font-weight: normal"><i style="mso-bidi-font-style: normal"> <span style="font-size: 8.5pt; font-family: Tahoma">vipMD</span></i></b><b style="mso-bidi-font-weight: normal"><span style="font-size: 8.5pt; font-family: Tahoma"> <i style="mso-bidi-font-style: normal"> Basic</i></span></b><span style="font-size: 8.5pt; font-family: Tahoma"><span style="mso-spacerun: yes">&nbsp; </span>provides comprehensive coverage of most medical-dental services. Recent group insurance benefits have reduced levels of coverage or added: restrictions, lifetime limits, use of caps and increased premiums <o:p></o:p> </span></li> </ul> <p class="titleunderline" style="margin: auto 0in; line-height: 12pt"> <span style="font-size: 12pt">Benefit to Employees <o:p></o:p> </span> </p> <ul type="disc"> <li class="MsoNormal" style="margin: 0in 0in 0pt; color: black; line-height: 12pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l4 level1 lfo4; tab-stops: list .5in"><b style="mso-bidi-font-weight: normal"><i style="mso-bidi-font-style: normal"> <span style="font-size: 8.5pt; font-family: Tahoma">vipMD</span></i></b><b style="mso-bidi-font-weight: normal"><span style="font-size: 8.5pt; font-family: Tahoma"> <i style="mso-bidi-font-style: normal"> Basic</i></span></b><span style="font-size: 8.5pt; font-family: Tahoma"> <span style="mso-spacerun: yes"> &nbsp;</span>Saves Money for employees faced with reduced provincial health care programs and de-insured services that results in more out-of-pocket, after-tax dollars spent on health care<o:p></o:p></span></li> <li class="MsoNormal" style="margin: 0in 0in 0pt; color: black; line-height: 12pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l4 level1 lfo4; tab-stops: list .5in"><b style="mso-bidi-font-weight: normal"><i style="mso-bidi-font-style: normal"> <span style="font-size: 8.5pt; font-family: Tahoma">vipMD Basic</span></i></b><span style="font-size: 8.5pt; font-family: Tahoma"><span style="mso-spacerun: yes">&nbsp; </span>is a<span style="mso-spacerun: yes">&nbsp; </span>tax-free benefit while additionally providing<span style="mso-spacerun: yes">&nbsp; </span>savings on CPP and EI (-7.3%) when an employee is given <b style="mso-bidi-font-weight: normal">vipMD </b><span style="mso-spacerun: yes">&nbsp;</span>benefits in lieu of a bonus/pay raise <o:p></o:p> </span></li> <li class="MsoNormal" style="margin: 0in 0in 0pt; color: black; line-height: 12pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l4 level1 lfo4; tab-stops: list .5in"><b style="mso-bidi-font-weight: normal"><i style="mso-bidi-font-style: normal"> <span style="font-size: 8.5pt; font-family: Tahoma">vipMD</span></i></b><b style="mso-bidi-font-weight: normal"><span style="font-size: 8.5pt; font-family: Tahoma"> <i style="mso-bidi-font-style: normal"> Basic</i></span></b><span style="font-size: 8.5pt; font-family: Tahoma"><span style="mso-spacerun: yes">&nbsp; </span>provides Comprehensive extended medical-dental benefits for health related services as listed under subsection 118.2(2) of the Income Tax Act <o:p></o:p> </span></li> <li class="MsoNormal" style="margin: 0in 0in 0pt; color: black; line-height: 12pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l4 level1 lfo4; tab-stops: list .5in"><b style="mso-bidi-font-weight: normal"><i style="mso-bidi-font-style: normal"> <span style="font-size: 8.5pt; font-family: Tahoma">vipMD</span></i></b><b style="mso-bidi-font-weight: normal"><span style="font-size: 8.5pt; font-family: Tahoma"> <i style="mso-bidi-font-style: normal"> Basic</i></span></b><span style="font-size: 8.5pt; font-family: Tahoma"><span style="mso-spacerun: yes">&nbsp; </span>gives you Freedom to choose the services and health care practitioners of your choice&nbsp;</span><span style="font-size: 8.5pt; color: black; font-family: Tahoma"><o:p>&nbsp;</o:p></span></li> </ul> </td> </tr> </table> <!-- InstanceEndEditable --></td> </tr> <tr align="center" valign="top"> <td colspan="3"><table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr bgcolor="#135496"> <td width="78%" height="25" align="center" valign="middle"><span class="style1">Copyright &copy;2006 vipMD </span></td> <td width="22%" align="right" valign="middle"><span class="style1"><a href="legal_notice.html" class="legalnotice">Legal Notice</a>&nbsp;&nbsp;</span></td> </tr> </table></td> </tr> </table></td> </tr> </table> </body> <!-- InstanceEnd --></html>