September 15, 2009
By W. Michael Thomas, CFP, CLU, CH.F.C., R.F.P.

I know from experience the level of complexity that may be found in the Canadian health care system, and the impact that a personal or family member’s health event may have on an employee’s productivity. A new program that goes by the name Health Service Navigator is a unique solution that will help employees take control of the health event, and resume their role as productive contributors to their organization.

This innovative health service provides plan members with integrated health tips and tools, medical condition information, resources on how to navigate the Canadian health care system and access to world-class doctors for second opinions. It’s easy to access, reliable, current and available with simply a click of a mouse, or a phone call.

Not just another second opinion service

There are currently no other offerings like Health Service Navigator in the Canadian group benefits marketplace. It is a unique product, offering comprehensive health information for all health-related concerns. It’s not just for serious or life threatening conditions, or a second opinion service that provides assistance for a number of serious conditions.  Health Service Navigator is a valuable tool for plan sponsors who are:
  • Concerned with escalating benefit costs? Health Service Navigator augments our traditional health benefits program by giving plan members some tools and resources to become better health care consumers.  It’s an inexpensive, but extremely valuable addition to your benefits program.
  • Interested in wellness promotion? Health Service Navigator provides a unique solution in Canada that’s based on Canadian health care options and solutions.  No other service provides the extensive health care navigation component in an integrated manner that leverages well-respected information resources.  The second opinion service is unlike that of other carriers, with a collaborative approach that uses physician specialists from world-class hospitals
  • and institutions.
  • Concerned about lost productivity? With the support of credible information, Health Service Navigator helps employees gain a better understanding of their situation.  This can aid them in working through personal health challenges, and relieve them of stress and distractions that may affect their performance or personal lives.

Effective Aug. 1, 2009, this service is included for all employees of LO member companies who participate in the endorsed CNLA group insurance plan. To find out more about the program, go to, or call 1-800-875-1264.
W. Michael Thomas is a partner with The Investment Guild, endorsed provider of the HortProtect Group Insurance Program, and is a director of Ontario Horticultural Trades Foundation.  Contact him at 1-800-459-8990 or by email, Visit for more information.