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Set Your Budget And Design Your Benefit.

Set your budget and design your benefit.

You choose anannual allowance for your employees. Reward different classes with different allowances.  We’ll guide you through a quick benefit setup. You can offer both a Health Spending Account (HSA) (tax free benefits) and Wellness Spending Account (WSA) unique to your company culture.

Employees Buy What Fits Their Personal Needs.

Employees buy what fits their personal needs.

Employees use their allowance to pay for the medical and/or wellness
expenses they choose.

Employees Upload Their Receipts.

Employees upload their receipts.

Employees submit an image of their receipts using a smartphone app or computer. We review their reimbursement request (usually in the same day).

Reimburse Your Employees.

Reimburse your employees.

We are fully digital. This means no paper, no snail mail, and no cheques. Employee claim
reimbursement is directly deposited into their bank account. All admin reports are available online in real time.

It’s that simple. Our benefits automation software handles all the CRA compliance and benefit administration so you can focus on your business.

Compare different HRAs in our new chart.

You’ll learn about the four HRAs available in 2019, the two new HRAs coming in 2020, and how they all compare.


Years In Business
Flexible Plans
Happy Clients
In Client Care

Just wow. I knew I was going to get a great healthcare, but the customer service staff went above and beyond all my expectations. I will recommending my plan to all my friends. Five stars!

Tommy Baker

Finding a great healthcare plan wasn't at the top of my list, but Total made finding and choosing the right plan for me a piece of cake. I'm so glad I found them.

Brenda Cummings

Total is the best thing that has ever happened to my small business. They helped me offer great coverage to all my employees at an affordable price, saving me time & money.

Russell Chamber