Corsana & Our Partners
Corsana is owned and operated by HMA The BENEFITS People, which was established in 1984.
The plan is modeled on the Health Care Providers Group Insurance Plan which was launched in 1997 at the Oshawa General Hospital (now Lakeridge Health Oshawa) and has grown to include over 145 hospital sites and 90 hospital systems.
The Corsana Team is supported by a strong group of client focused individuals, including our plan partner, GreenShield Insurance*, who plays an integral role in the Corsana plan.
Access to Benefits
Corsana is a unique program of true group benefits specifically designed for employees, retirees and association members not receiving benefits as part of their compensation or membership offering and who lack the protection of comprehensive health and dental coverage.
Comprehensive Coverage
Employees, retirees and association members of endorsing organizations or associations receive more robust protection, guaranteed to them in a 60-day open window.
Coverage That Sticks With You
For Life
Lifetime benefits. Health and dental benefits continue regardless of age or changes in your health.
Efficient, hassle-free claims systems with quick, easy access to your benefits, claims status, history and moreanytime, anywhere.
Why choose Corsana?
Plan Eligibility & Benefits
Corsana offers GUARANTEED coverage, with no medical questions asked, to all eligible enrollees regardless of age, time of application or medical history.
Ask us about our 60-day open window as you may be eligible to receive a higher level of coverage, guaranteed!
Eligibility
Member of endorsing association
Employee or retiree of endorsing organization
Benefits include the following:
Extended health care benefits including massage, vision and more
Dental care benefits (optional)
Emergency travel benefit & trip cancellation
Guaranteed Coverage
Corsana is proud to offer guaranteed* health plans to eligible employees.
Corsana offers a variety of plans designed with your needs and budget in mind. From health and dental to vision care and prescription drug coverage, Corsana is here to protect you and your family both now and in the future.
Use this chart to determine guaranteed* coverage.
*Guaranteed - eligibility and open window conditions apply. Coverage eligibility and guarantee can only be verified at time of enrollment.
Does your organization or association endorse Corsana?
Dental Plans
Dental plans are available as an optional add-on.
Overall Dental Plan Maximums
Summary of Eligible Services
Eligible services include recall examinations once every 9 months, fillings cleanings, scalings, examinations, polishing, extractions, general anesthetic and other standard services.
Endodontic treatment includes root canal therapy. Periodontal treatment includes addressing diseased bones and gums.
Major Restorative Services
Dentures include standard complete, immediate, transitional and partial denture. Crowns include standard onlays or crown restorations (paid to full metal on molar) to restore diseased or accidentally injured natural teeth.
Standard bridges, including pontics, abutment retainers/crowns (paid to full metal on molar) on natural teeth. Standard repair or re-cementing of crowns, onlays and bridge work on natural teeth.
The Details
Prescription Drugs: (Pay Direct Drug Card system) Benefits include drugs legally requiring a prescription, diabetic needles and syringes. Pay generic only unless otherwise indicated in the prescription. Benefits do not include smoking cessation products and medication for the treatment of obesity, erectile dysfunction and infertility.
Travel Benefit: Out of province/out of country emergency medical services up to 60 days for each trip; dollar maximum is per calendar year regardless of the number of trips.
Trip Cancellation: Per covered person, per trip included in the overall maximum out of province/out of country.
Hospital Accommodations: Semi-private room in a public general hospital.
Private Duty Nursing: Services of an RN or RPN or LPN or PSW
Vision: Maximums apply every 24 months based on date of first paid claim. Prescription eye glasses and/or contact lenses and/or laser eye surgery, eye exams (this benefit is only available for residents in provinces that do not cover eye exams under their provincial plan).
Audio: Hearing aids, repairs or replacement parts (maximums apply every 5 years based on the date of first paid claim).
Accidental Dental: Accidental injury to natural teeth. Submit accident report immediately.
Medical Items: Includes items such as wheelchair, hospital bed, glucometer and lancets, orthotics, prosthetics, ventilator, pressure gradient stockings, etc. Each individual item is scaled to usual customary limits.
Emergency Transportation: Land or air ambulance.
Medical Alert Bracelets: Maximums apply every 2 years based on date of first paid claim.
Maximums: There is no lifetime maximum or overall annual plan maximum. Stated maximums are per benefit year unless otherwise specified and apply to each plan member and insured dependant.
Co-insurance: Percentage the Insurer pays, subject to coverage maximums, applies to all categories of coverage unless otherwise specifically stated
Deductible: There is no deductible on any of the health or dental plans.
Dental Free Guide: Coverage follows current fee guide.
Tools offered through GreenShield
GreenShield+ is coverage and care, all in one place. Check your benefits coverage, search for local healthcare providers, and seamlessly submit your benefits claims. With GreenShield+, there are no surprises — confirm status and eligibility at any time, from anywhere.
Focus on your health and well-being knowing GreenShield+ online services are fully integrated with your personal health insurance plan.
With GreenShield+ you can:
Check your available benefits and balances
Search your drug coverage by name or drug identification number
Check your eligibility and coverage for most health services and medical items
Submit claims and view all previous claims and their status
Find healthcare providers in your area who will submit claims directly to GreenShield on your behalf. Search by business type or name on the interactive map.
Sign up for direct deposit
View and download a digital copy of your GreenShield ID card
Review your Benefit Plan Booklet
Request a Quote
Request a quote today to find the best plan and pricing tailored specifically to your needs. It only takes a few minutes to complete the form, and a dedicated member of the Corsana team will follow up promptly with your personalized quote and next steps.
Let us help you protect what matters most your health and financial well-being.
Click here to request a quote!
How to Apply
You can apply by completing our enrollment forms linked below.
A member of the Corsana team will review your enrollment forms and reach out if any additional information or forms are required.
Form 1: Group Enrollment Form to be completed by all enrollees
Form 2: Statement of Health questionnaire to be completed by any enrollee wishing to be considered for the Optimum health plan
60 Day Offer: To be completed by HR for those enrolling in a 60-day open window and are eligible for the Complete/Complete Plus health plan. Contact your HR department to obtain the form. This form is not required if you have a copy of your job offer letter or loss of benefits letter.
If you wish to be considered for the Optimum health plan, you will be enrolled in the guaranteed option of your choice until your file has gone through the underwriting process. You will be moved into the Optimum on the 1st day of the month following the date of approval and premiums adjusted if applicable.
Premium Payment
Deposit and First Month Premium
A deposit and first month premium payment are required with each enrollment. Both payments are equal to the monthly premium for the plan into which you are enrolling.
The deposit will be held in trust for the duration of the time you are covered under Corsana and may serve to ensure there is no disruption in your coverage should we not be able to collect payment from you in any given month - ie. - insufficient funds. If not used to cover premium, it will be returned to you at the time of termination.
The first month premium is used to cover the cost of your first month of coverage under the plan.
You can pay the deposit and first month premium by cheque or credit card.
If you choose to pay the deposit and first month premium by cheque, your deposit cheque is to be dated the same date as your enrollment forms and WILL be cashed when the enrollment forms are received. This cheque is NOT VOID and must be payable to Corsana Group Benefits.
Your first month premium cheque is to be dated for the first month in which your coverage will begin. This cheque is NOT VOID and must be payable to Corsana Group Benefits.
Ongoing Monthly Premium Payment
Following your enrollment, ongoing monthly premium payments are made by pre-authorized, automatic debit from the chequing account of your choice. The withdrawal will occur on your last pay day each month and are used to pay for your coverage for the following month. You must provide banking details with your enrollment (i.e.: a void cheque, pre-authorized debit form or banking details listed on the enrollment form).
Frequently Asked Questions
Am I really guaranteed coverage regardless of my medical history?
Yes. You and your family members are guaranteed the Essential or Essential Plus health plan regardless of pre-existing health conditions and the health of your dependents. The Essential and Essential Plus health plans are available to all eligible enrollees regardless of hours worked, employment status or time of enrollment. Enrollees who are actively working for an endorsing organization or a member of an endorsing association and are in a 60-day open window will be guaranteed the Complete or Complete Plus health plan.
What is a 60-day Open Window?
The term 60-day open window refers to a one-time opportunity to receive guaranteed coverage, in the Complete or Complete Plus plan. 60-day open window opportunities arise from the first of the following occurrences:
• Initial hire date at the participating organization
• Losing group health coverage as a result of retirement from a full-time position
• Losing group health coverage as a result of a transfer from full-time to part-time
• Losing group health coverage as a result of turning age 65
• FIRST offer from the participating organization of non-temporary or non-contract employment
• When first joining an endorsing association
What does “actively at work” mean?
In order to be considered actively at work, you must be an employee, scheduled to work, and not away from work for any reason such as a disability or maternity leave.
What is the definition of an endorsing organization or association?
An endorsing organization or association is an entity that actively communicates the availability of our plan to its employees or association members. If you are unsure of your organizations endorsement status, please contact us and we'd be happy to help!
Frequently Asked Questions
Can I keep my coverage if I am no longer employed at or a member of the sponsoring organization/association?
Yes, you can. Our coverage is both portable and flexible. Once you have enrolled in the Corsana plan as a result of employment at a participating organization or membership at a sponsoring association, you may continue to be covered by the plan until you choose to leave. Your health and dental coverage will continue under your current plan option.
I have extended health care and dental benefits through my spouse’s group plan. Is there anything in this plan for me?
You're fortunate enough to be covered under another group plan and that's a good thing! The Corsana plan offers health and dental benefits to those who do not already have them so, at the moment, we wouldn't have anything to offer you. However, if for some reason you lose those benefits in the future be sure to contact us within 60 days and we'll be able to offer you health and dental coverage.
If I enroll in Corsana, what happens to my health and dental coverage when I reach age 65?
Nothing! Your health and dental plans will continue but your rates will change.
What happens if there is a change in my employment status like retirement or reduction in hours, and/or my family status?
This is your plan and is not administered by your employer or association. Therefore, it is your responsibility to notify us of any changes to your family structure (I.e. marriage, welcoming a child). Please note that changes in coverage will only be made the first of the month following the date our office is notified in writing. Changes in coverage will not be made retroactively.
