Frequently Asked Questions

Have questions? We've got answers.

Employers
Is there a waiting period?

The standard waiting period for a newly hired employee is 3 months, but you can waive this for any employee added to your Honeybee plan. If you don’t want a waiting period at all just let a Honeybee expert or your Advisor know during your group’s set-up.

What costs am I responsible for?

You’re responsible for the monthly Honeybee subscription fee that is paid per active employee. It’s also up to you to fund the Honeybee Health and Allowance Accounts with the amount you set during sign up.

What costs are my employees responsible for?

It’s up to your employees to manage their account balances. On the first of each month, the premiums for their selected products will be deducted from the applicable accounts. The remaining funds are available for them to use on eligible expenses.

Is there paramedical coverage in my Honeybee plan?

Yes, paramedical coverage such as acupuncture, chiropractic and registered massage therapy are eligible expenses that employees can pay for using their Honeybee Health Account.

Are pre-existing conditions covered?

Yes, this is a real benefits plan therefore all pre-existing conditions are covered.

Am I able to add life insurance benefits?

The majority of products can be purchased online through the Honeybee, including group medical, dental, travel, critical illness coverage and more. If you’re looking for additional group coverage, let us know – our licensed Honeybee experts have access to multiple insurance companies and products that can be added.

How do I cancel my Honeybee benefits?

If you’re not loving your Honeybee plan, let us know and we can help. If you’re still not happy, you can cancel your plan at any time .

Can I move my benefits from Honeybee to another carrier?

If the Honeybee plan isn’t working for you, we’re confident we can create a custom Benecaid solution that works for your business and employees. Contact your Advisor or call us to see how we can help.

Can I change my group's medical plan after employees have enrolled?

Once your employees have finished customizing their accounts, their medical plan is set. At the end of your plan year (12 months after you sign up) you’re able to make changes to your group’s medical plan.

Can I customize the Honeybee standard plans offered?

If you’d like to make changes to any of our standard Honeybee plans, let us know and we can match you with a trusted and licensed advisor to help set up the perfect plan.

Can I start my application and save for later?

Once you submit your email and basic information, your progress is always saved. You’ll be sent a continuation link so you can pick up where you left off at any time. Or better yet, send the link to your Advisor and they can help you do the rest.

Can I add travel insurance through Honeybee?

If you opt to select one of our medical plans out-of-province travel coverage is actually included. Unfortunately at this time travel insurance is not available as a stand-alone product within Honeybee.

Am I able to only offer dental coverage and not extended health care or medical coverage?

Dental coverage is optional once you have selected one of our Honeybee medical plans.

Can I transfer my existing benefits to Honeybee?

Good news, if you already have a benefits plan, we make it easy for you to switch to a Honeybee plan or upgrade your existing plan by simply adding Honeybee Allowance Accounts.

Can I add Honeybee benefits to my existing plan?

Honeybee benefits work best with a customized Honeybee plan. This way, everything is in one place for both you and your employees. However, if you want to add to your existing plan, Honeybee Health Account funds can be used to cover things that aren’t on your existing plan.

Do employees have to be actively at work to be covered?

All Honeybee plans comply with group insurance standards and require employees to work a minimum of 24 hours per week in order to be eligible.

Do I have to sign up online?

A perk of Honeybee is that you can easily get started using our intuitive digital interface, and complete the process at your own pace online. If you want more help along the way you, can always give us a call, text, chat or have your Advisor lend a hand in person or over the phone.

Do I have to give all my employees the same benefits?

No, you can create different ‘hives’ of employees. Each hive can have different plans and/or products and can be funded their own way.

Do I have to give all my employees a Honeybee Allowance Account?

Honeybee is designed for a company that wants to offer benefits beyond what is traditionally offered in a health benefits plan. At minimum you must add at least 1 Honeybee Allowance Account with a minimum allowance of $10 per month.

Do I need an HR department to manage our Honeybee plan?

Honeybee was designed to be simple for anyone in your company to manage from myHoneybee.com. If you need any help along the way, the Honeybee Care Team can jump in. Call, or text our team at 416-626-6642.

Do I need to send my census data?

Yes, in order for us to finalize your Honeybee configuration and start enrolling your employees, we will need accurate employee information. This can be easily uploaded to us at the end of your sign up or accessed from your HR software, if applicable.. Don’t forget to include each employee’s email address so they are able to log in and customize their Honeybee benefits.

Does this integrate with my HR software?

Not yet – this is a feature we’re busy working on.

How can I pay for my Honeybee benefits?

Honeybee allows you to pay quickly and securely through a pre-authorized payment plan. During your set-up, you can choose between a pre-funded plan and a pay-as-you-go plan.

What is the difference between the pre-funded and the pay-as-you-go payment options?

The difference between a pre-funded payment plan and a pay-as-you go plan is the timing of your payments.
Pre-funded
Your monthly bill is the same each month and consists of the Honeybee subscription fee and your set monthly deposits into the Honeybee Health Accounts and Honeybee Allowance Accounts. With this option, your employees are only able to see their current balance that has been deposited to date.
Pay-as-you-go
Each month you’ll be responsible for paying the Honeybee subscription fee. At the start of your plan, you’ll put an initial deposit into the Honeybee Health and Allowance Accounts. As employees use their funds by submitting claims, we will send an interim bill weekly, if needed, requesting a top-up to replenish the accounts. With this option, your employees are able to see their full annual account balance.
Not sure which option is right for you? Ask one of our Honeybee experts or your Advisor to help you decide.

How can my employees customize their plans?

Employee customization is one of the best parts about Honeybee. Employees can each decide what to spend their benefit dollars on. During their enrolment employees can:
a) select their deductible level for their prescription drug coverage
b) choose a co-insurance level for their dental plan, if applicable and
c) decide how to spend their remaining Honeybee Heath and Allowance Account funds!

How do I create different employee classes?

We like calling them “hives”. You can create different ‘hives’ for different groups of employees. It can be as easy as having one hive with all the same benefits or multiple hives with different allowances and plans. Hives can be set by position (owners, managers, employees) or employee type (full time and part time), but can’t be configured based on personal qualities like age, gender.

How do my employees sign up?

Once you’re happy with your Honeybee configuration and funding, we will send your employees a welcome email to the address you’ve provided. This email includes everything they need to know to get started customizing their Honeybee benefits.

How many days do my employees have to enroll?

Employees are given an enrollment period of 5-10 days which you can customize. You are able to track employee enrolments online at Myhoneybee.com.

What if an employee does not complete their enrolment within the Enrolment Period?

That employee is defaulted in to the lowest cost medical and dental plan (if applicable) and is enrolled with single coverage.

How much does Honeybee cost?

Honeybee starts with a monthly subscription fee of $20/employee, which provides employees’ access to a Honeybee Health and a Honeybee Allowance Account with no additional fees. From there, you decide how much to deposit into each account. No additional hidden fees!

How quickly can my employees start using their benefits?

Your employees can start using their plan on the first of the following month. Signed up on June 17th? They can start submitting claims on July 1st. If you need it faster just let us know!

I'm a Benecaid customer -how do I change to Honeybee?

If you currently have a Benecaid plan and are interested in switching to a Honeybee plan, contact your Account Manager or Advisor to get started.

Is the information and employee data I send to you secure?

Absolutely! Honeybee ensures that all your information is kept safe. While online, we uses Comodo SSL encryption to protect transmissions of your account. The padlock in the address bar of your browser will appear when you are viewing an encrypted (secure) page. Offline, we store all your information in secure databases that are only accessible by authorized personnel. View our Privacy Policy for more information.

What do I need to get started?

What do I need to get started? An internet connection and 30 minutes. Knowing how many eligible employees you have and a rough estimate of how many have families will speed up the process.

What happens if an employee starts mid-month?

We recommend you enrol your new employee as soon as they start, by adding them through MyHoneybee.com. Once the waiting period is over, if applicable, your new employee will receive their welcome email with instructions on how to get started.

What if I already have benefits and I want to switch to Honeybee?

That’s great, just let us know during your sign up. You can get started online and once you send us your claims experience from your current insurance provider, we can use that information to provide you with the best plans and pricing for your group. Click here to see exactly what we need to get started.

What if I made a mistake during sign up?

Not to worry, once you’ve configured your group’s Honeybee Account, one of our licensed experts will review everything to make sure nothing was missed.

What if I need help during the sign up process?

If you need help at all during the sign up process, click the chat icon and one of our licensed Honeybee experts will be happy to help you along!

What is the difference between a Honeybee Health Account and an Allowance Account

Deposits into the Honeybee Health Account are tax-deductible for the company and employees can use the funds tax free, to pay for eligible health and dental expenses. Click here to see a list of eligible expenses. Deposits into the Honeybee Allowance Account are considered a taxable benefit for employees and can be used on a wide array of unique benefits such as wellness, fitness, kids, pets, transportation and more.

What is typically covered under an employee health benefits plan?

A typical benefits plan provides coverage for extended health care (prescription drugs, hospital stays, etc.), dental and may or may not include vision.

What happens to my Honeybee plan if my company grows?

Adding new employees is easy. Add the employee online and assign them to a hive. They are sent a welcome email and your monthly bill is adjusted to reflect the change.

How can I manage my Honeybee plan going forward?

Managing your Honeybee benefits is easy and can all be done securely and conveniently online through MyHoneybee.com.

Why do you need to know demographic data such as age, gender, family status etc. for my employees?

Knowing more specifics about your employees will help us choose the plans that best suit your group. It also will help us provide you with accurate pricing so you can see how much each product will cost your employees. We never share or sell our data; it is safely stored and only used for the purpose outlined above.

Why don’t the medical plans include vision coverage?

Each of your employees will have different vision needs. Employees who need vision coverage can use their Honeybee Health Account funds to pay for their glasses, contact lenses and visits to the optometrist. Employees who don’t need vision coverage can use their funds on items better suited to them.

Why should I trust my employee benefits plan to Honeybee?

Honeybee is a product offered by Benecaid, a leading health benefits administrator with over 18 years of experience. Honeybee is endorsed by over 1,500 brokers and backed by leading national insurance companies. Benecaid already has thousands of companies as valued clients and Honeybee is our next generation product.

What happens when an employee leaves the company?

When an employee leaves their group Honeybee plan, they will be able to continue submitting medical, dental (if applicable) and Honeybee Health Account claims for 90 days. They will also be able to continue submitting Honeybee Allowance Account claims for 30 days. This can be customized for your group during your set up. If funds are being deposited quarterly, semi-annually or annually, the unreserved funds that the employee has available to use are pro-rated based on that employee’s termination date.

How can my employees submit their claims?

Employees can easily submit a picture of their receipts through the free Honeybee mobile app, available through the Apple iStore and the Google Play store.

Can I make changes to my employees’ Honeybee Health Account?

Once your employees have finished customizing their accounts, their medical plan is set. At the end of your plan year (12 months after you sign up) you’re able to make changes to your group’s medical plan.

Can I make changes to my employee’s Honeybee Allowance Account?

In some circumstances yes, please contact the Honeybee team.

Honeybee Health Account
What is a Honeybee Health Account?

The Honeybee Health Account is an account where businesses deposit tax-free funds on behalf of their employees. Employees can use these funds, tax-free, to pay for their medical and dental plans. The remaining funds can be used to cover a wide variety of other healthcare expenses like vision, acupuncture and more. Click here for a full list of eligible expense.

Are the benefits the same for employees who are single vs. those with families?

They can be, but you can also add a Family Advantage. This would add a multiplier that will increase the account funding for employees who have a spouse and/or children.

What are the dental plans offered?

Honeybee uses the information you provide to offer you 3 dental plan options that would best suit your employees’ needs. Dental plans are optional, it’s up to you to decide if a traditional dental plan would be valued by your employees. Either way employees are able to use their Honeybee Health Account funds to pay for eligible dental expenses.

Are dental plans mandatory?

Dental plans are considered optional, meaning that if you decide to select one, your employees will be automatically enrolled unless they have dental coverage through a plan outside of Honeybee. If you decide not to offer your employees a dental plan they can choose to use their Honeybee Health Account funds to pay for eligible dental expenses.

What are the medical plans offered?

Honeybee offers you the choice of two standard medical plan options that provide essential coverage. Between the two plans, the level of prescription drug coverage and co-insurance will vary.

Can I make changes to my employees’ Honeybee Health Account?

Once your employees have finished customizing their accounts, their medical plan is set. At the end of your plan year (12 months after you sign up) you’re able to make changes to your group’s medical plan.

How long do employees have to submit their eligible Honeybee Health Account claims?

Employees have up to 12 months from the date of service to submit eligible claims for reimbursement from their Honeybee Health Account.

How do my employees pay for medical expenses not covered through the Honeybee medical plan?

Employees can spend their remaining Honeybee Health Account funds on health and dental expenses not covered by the medical plan chosen such as vision or paramedical. They can also use their Health Account funds to pay their dental co-insurance or prescription drug deductible, if applicable. Click here for a full list of eligible expense.

What is co-insurance?

Co-insurance is the cost of a service that an employee shares with their plan, and exists in addition to any deductibles. For example, an 80% co-insurance means that after the deductible has been satisfied, your employees’ plan will cover up to 80% of the bill and they would pay the rest. Don’t worry; employees are able to use their Honeybee Health Account funds to cover the cost of co-insurance.

What is a deductible?

A deductible is the amount an employee has to pay out-of-pocket before their drug benefit will apply. Some plans require that employees pay a fixed amount each year before their coverage starts (e.g. first $100 of prescription costs).

How does a deductible affect the cost of my employee’s plan?

The higher the deductible, the more out-of-pocket expenses the employee will be responsible for before their plan will pay. Therefore, the higher the deductible chosen, the lower the cost of the medical plan.

What is a licensed medical practitioner?

Licensed medical practitioners differ based on each province or territory. However, they are defined as anyone who meets the following criteria:
– Legally allowed to render the service to the individual in the province where the service took place
– Legally certified to perform such a service in the province where the individual resides
– If applicable, is legally licensed to issue a prescription to the individual in the province where the individual resides as well as the province where the prescription is filled

What happens to an employee’s Honeybee Health Account balance when they leave the company?

When an employee leaves their group Honeybee plan, they will be able to continue using their remaining Honeybee Health Account balance for 90 days or until they no longer have any funds.

Do unused Honeybee Health Account funds roll over from one month to the next?

Yes, depending on how you decide to set this up for your group. The default is that unused Honeybee Health Account funds will carry forward to be used for future months, for a maximum of 24 months. You can customize this time period for your entire group to be anywhere from 12-24 months. If funds are being deposited quarterly, semi-annually or annually, the unreserved funds that the employee has available to use are pro-rated based on that employee’s termination date.

Honeybee Allowance Account
What is a Honeybee Allowance Account?

The Honeybee Allowance Account allows you to provide benefits above and beyond what is traditionally offered in a health benefits plan and that represent your unique culture. You choose the categories to include, set the monthly limit(s), and your employees have the freedom to spend their allowance funds on a variety of taxable benefits. The Honeybee Allowance Account lets you differentiate your company and retain great employees.

What does it mean when you say "Offering this to employees is your choice however, if selected all your employees will be automatically enrolled."

This means that you decide if this is a valuable benefit to offer your employees. If you decide to offer it to them, they will automatically be enrolled in that product.

What kind of expenses are covered under the Honeybee Allowance Account?

You can define how your employees can use their Honeybee Allowance Account funds. You can choose from categories like Wellness, Transportation, Kids & Pets and more. Each category has a list of eligible expenses, such as different modes of transportation, entertainment, fitness classes and more that can be customized and offered to employees. You are also able to offer your employees the option to purchase Additional Protection such as Critical Illness coverage or Life Insurance.

What happens to an employee’s Honeybee Allowance Account balance when they leave the company?

When an employee leaves their group Honeybee plan, they will be able to continue using their remaining Honeybee Allowance Account balance for 30 days or until they no longer have any funds. You will still be responsible for the subscription fee for that employee until the end of the claim submission run off.

Do unused Honeybee Allowance Account funds roll over from one month to the next?

Yes, depending on how you decide to set this up for your group. The default is that unused Honeybee Allowance Account funds will carry forward to be used for future months, for a maximum of 3 months. You can customize this time period for your entire group to be anywhere from 3-12 months.

How long do employees have to submit their eligible Honeybee Allowance Account claims?

Employees have up to 3 months from the date of service to submit eligible claims for reimbursement from their Honeybee Allowance Account.

Can I make changes to my employee’s Honeybee Allowance Account?

In some circumstances yes, please contact the Honeybee team.