Compare Coverage on an Equal Basis
Confirm that quotes use the same employee group, dependent coverage assumptions and effective date. Note any coverage omitted from one proposal. If the census changed between requests, ask for an updated comparison rather than treating the totals as equivalent.
Check Limits, Exclusions and Eligibility
Compare drug provisions, dental fee basis, practitioner limits, disability definitions, life amounts and travel conditions. Record major exclusions and evidence requirements. A shared label such as comprehensive coverage does not establish that two contracts provide the same benefits.
Understand Premiums, Fees and Renewal Terms
List the total premium, administration charges, relevant taxes and employer/employee split. Ask how long the rate applies and what happens at renewal. An introductory rate, a defined allowance and a claims-funded arrangement should not be presented as the same financial commitment.
Review Insurer and Administrator Support
Document who handles enrolment, billing corrections, employee questions and claims escalation. Review reporting and digital access. Service commitments should be specific enough to compare, particularly if administration problems are the reason you are considering a change.
Use a Side-by-Side Quote Checklist
Use these comparison fields: provider and product; effective date; eligible census; benefits and limits; exclusions; total cost; contribution split; renewal basis; administration; transition conditions; unresolved questions. Add a column for why each difference matters to your business. Leave no assumption hidden in a footnote.
Ask an Advisor to Explain the Differences
Ask the advisor to explain material differences and disclose market access and compensation. Record why the selected proposal best fits your priorities. GroupBenefitPlans.ca can connect you with a licensed professional for that discussion, without committing you to a purchase.
GroupBenefitPlans.ca is a referral and information service. Advice and coverage are provided by the licensed professional and relevant providers. An enquiry does not activate insurance.