HELLO ELEMENT FLEET MANAGEMENT
Welcome aboard!
Start your health journey with League. Our mission is to empower you to live a healthier, happier life. Our easy-to-use app brings together everything you need to manage your health benefits and reach your personal health milestones—all from your phone.
GET TO KNOW US
We’re here to make your life easier (and healthier).
Digital Wallet
All your coverage info, all in one place. Access benefits cards, carrier portals, submit claims, and benefits information.
Health Programs
A personalized health experience that arms you with relevant programs, content and services to help you hit your goals.
Care Team
Chat live with a registered nurse to get speedy help with any health questions or concerns.
Lifemarket
A curated Marketplace with exclusive offers and discounts on products and services that support your wellbeing.
MY PLANS
Let’s take a look at your plan options.
At League, we understand that one size never fits all. For that reason, we’ve created three separate health coverage plans with varying levels of coverage and flexibility. We want to be able to support the needs of our members (that’s you!) and your loved ones.
Not a Canadian? Check out the US plans
Flexible
Get tons of flexibility at no cost to you. It includes a large spending account allocation, giving you the ability to care for your health and wellness needs. Be aware that this plan does not include hospital, vision, paramedical or dental coverage.
Desjardins
Hybrid
This plan could be right for you if you have some medical expenses (think routine checkups or glasses). Plan offers a core level of medical and dental coverage, as well as a spending account allocation which allows for some extra flexibility.
Desjardins
Comprehensive
People who choose this plan might have frequent medical appointments or a pre-existing condition. This plan has a monthly cost (premium) associated with it but you get the highest level of coverage.
Desjardins
Couple: $76.17/Month
Family: $102.82/Month
Couple: $2,400
Family: $3,200
You can allocate these funds to either a Health Spending Account (HSA) or Lifestyle Spending Account (LSA).
A maximum of $500 can be allocated to the LSA
Couple: $900
Family: $1,300
You can allocate these funds to either a Health Spending Account (HSA) or Lifestyle Spending Account (LSA).
A maximum of $500 can be allocated to the LSA
Maximum $250,000
Maximum $250,000
Maximum $250,000
Maximum $250,000
Maximum $100,000
Maximum $100,000
Flexible
Get tons of flexibility at no cost to you. It includes a large spending account allocation, giving you the ability to care for your health and wellness needs. Be aware that this plan does not include hospital, vision, paramedical or dental coverage.
- Monthly Plan Cost This spend is provided at no cost to you.
- Drug and Medical 50% covered
- Vision No specific coverage (but you can use your Health Spending Account for these claims)
- Out of country 180 days of OOC coverage 100% covered for emergencies $5 million lifetime maximum
- Dental No specific coverage (but you can use your Health Spending Account for these claims)
- Paramedical No specific coverage (but you can use your Health Spending Account for these claims)
-
Spending Accounts
Single:$1,500
Couple: $2,400
Family: $3,200
You can allocate these funds to either a Health Spending Account (HSA) or Lifestyle Spending Account (LSA).
A maximum of $500 can be allocated to the LSA - Basic Life Insurance 1x annual earnings $1,500,000 maximum
- AD&D 1x annual earnings $1,500,000 maximum
- Long Term Disability 66.7% of the first $2,250 of monthly basic earnings, plus 50% of the next $3,500 and 44% of the balance $15,000 maximum
-
Optional Life Employee
Units of $10,000
Maximum $250,000 -
Optional Spousal Life
Units of $10,000
Maximum $250,000 - Optional Child Life $10,000
-
Optional Employee AD&D
Units of $10,000
Maximum $250,000 -
Optional Spousal AD&D
Units of $10,000
Maximum $250,000 - Optional Child AD&D Flat $10,000
-
Optional Employee Critical Illness
Units of $10,000
Maximum $100,000 -
Optional Spousal Critical Illness
Units of $10,000
Maximum $100,000
Hybrid
This plan could be right for you if you have some medical expenses (think routine checkups or glasses). Plan offers a core level of medical and dental coverage, as well as a spending account allocation which allows for some extra flexibility.
- Monthly Plan Cost This spend is provided at no cost to you.
- Drug and Medical 70% covered
- Vision 100% covered (to a maximum of $200 every 2 years)
- Out of country 180 days of OOC coverage 100% covered for emergencies $5 million lifetime maximum
- Dental 70% covered for routine services and 50% covered for major services (combined maximum of $1,500/per person/per year)
- Paramedical No specific coverage (but you can use your Health Spending Account for these claims)
-
Spending Accounts
Single: $500
Couple: $900
Family: $1,300
You can allocate these funds to either a Health Spending Account (HSA) or Lifestyle Spending Account (LSA).
A maximum of $500 can be allocated to the LSA
Comprehensive
People who choose this plan might have frequent medical appointments or a pre-existing condition. This plan has a monthly cost (premium) associated with it but you get the highest level of coverage.
-
Monthly Plan Cost
Single: $33.01/Month
Couple: $76.17/Month
Family: $102.82/Month - Drug and Medical 90% covered
- Vision 100% covered (to a maximum of $300 every 2 years)
- Out of country 180 days of OOC coverage 100% covered for emergencies $5 million lifetime maximum
- Dental 90% covered for routine services, and 50% covered for major (combined maximum of $2,000/per person/per year) 50% for orthodontic services ($2,000 maximum/per person/per lifetime)
- Paramedical 90% covered
- Spending Accounts N/A
Also included with your benefits:
- Short and Long-Term Disability
- Life Insurance and Accidental Death & Dismemberment (AD&D)
- Optional benefits for you and your family: Optional Life, Optional AD&D, and Optional Critical Illness
Too much lingo? We want to make it easier for you.
HOW TO ENROLL
What’s next?
Once you’ve looked over your plan options and found the perfect fit, you can enroll with League and make your plan elections.
STEP 1
Check your email
Find your League invite in your inbox.
STEP 2
Create an account (if you haven't already)
Follow the instructions and the link in our email (then you’re in!).
STEP 3
Select your plan
Follow our step-by-step instructions to make your plan elections.
What else?
You can choose to allocate your spending account allocation between a Health Spending Account or a Lifestyle Spending Account, providing you with even more choice and flexibility. Note that you can allocate a maximum of $500 in any given year towards your Lifestyle Spending Account.
FAQ
Questions?
We get it – health insurance isn’t exactly the easiest topic to navigate. We’ve got you covered!
Here are the answers to some of our most commonly asked questions:
What are the coverage differences for each plan and why do they have different costs?
League & Element Fleet are excited to offer three different health insurance plan offerings that allow you to make the best decision for you and your family. These three plans provide greater flexibility in allowing you to choose what you need from your health insurance. Each plan offers different amounts of coverage, but each plan can be utilized to make the most of your coverage.
Flexible offers the least amount of insurance coverage through Desjardins but the most amount of flexibility. This option includes $1,500 (single)/$2,400 (couple)/$3,200 (family) in spending account funds for you to allocate towards a Health Spending Account (HSA) or Lifestyle Spending Account (LSA).
Hybrid offers 70% coverage with Desjardins on coverage lines including drug, mental health and dental, and 100% coverage for $200 every 2 years for vision. Additionally, Option 2 includes $500 (single)/$900 (couple)/$1,300 (family) in spending account funds to allocate towards a Health Spending Account (HSA) or Lifestyle Spending Account (LSA). You can take advantage of the Health Spending Account (HSA) funds to pay for claim amounts not already covered by Desjardins.
Comprehensive offers the highest amount of medical and dental coverage with Desjardins, and therefore has a cost associated with it (premium paid through a payroll deduction). This plan includes 90% coverage on lines including drug, paramedical, mental health and dental, and 100% coverage for $300 every 2 years for vision. You don’t receive any spending account allocations funds with this plan.
As you can see, each plan is different, just like you and your needs. There are many things to take into consideration when selecting a plan. If you have any questions about plan selection, reach out to help@league.com.
When can I change my plan elections outside of this enrollment time period?
The only time you can change your health insurance coverage is when you experience a Qualifying Life Event like getting married or adding a mini-me to your family!
What is a spending account allocation?
A spending account allocation represents funds that your receive when you choose option 1 or option 2. You can choose to allocate your spending account allocation between a Health Spending Account or a Lifestyle Spending Account as you wish. Note that you can allocate a maximum of $500 towards your Lifestyle Spending Account in any given year.
What is a Health Spending Account and what can I use it for?
A Health Spending Account (HSA) is a benefit you access through the League portal. Funds are allocated to this account depending on the benefit plan option you choose and if you’re single, a couple, or have a family. You can use these funds to make up the difference between what your health plan covers and what you pay out-of-pocket for your health or dental claims. HSA’s are administered in accordance with Canada Revenue Agency guidelines. Money spent from this account is tax-exempt!
What is a Lifestyle Spending Account and what can I use it for?
A Lifestyle Spending Account (LSA) covers services and products you can access to live a healthier life, such as gym memberships, yoga and meditation, etc. Money spent from this account is a taxable benefit. You’ll only get taxed on the funds you actually use. League is the administrator of your LSA (instead of an insurance carrier) meaning that all claims are submitted directly through your League app.
How much do I pay for these plans and how much is covered by my company?
Your employer will cover the full cost of the annual premiums for options 1 and 2. You will need to contribute towards the cost of option 3 through payroll deductions.
I still have outstanding claims to submit. Should I submit them to Sun Life?
If you still have outstanding claims to submit for eligible expenses with service dates on or before December 31, 2019, you need to submit those directly to Sun Life. Any new eligible expenses with service dates on or after January 1, 2020 will be submitted to Desjardins through your new coverage plan.
When can I see my payroll deductions?
You can see all the payroll deductions while you are making your elections during the League enrollment experience. Once you’ve submitted your elections, you’ll see your total payroll deductions based on the elections you’ve made.
Learn more about League
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