At JM&A Insurance, we’re proud to be the exclusive advisor Chambers Plan in Milton, Centre Wellington, Mapleton and Arthur, Canada’s leading benefits solution designed specifically for small to medium-sized businesses. Trusted by over 32,000 organizations, it combines simplicity, stability, and smart support to empower your team and your bottom line.
Chambers Plan
Predictable, Cost‑Effective Coverage
Traditional plans with small groups can see a rate bump if just one employee experiences a health challenge and their insurance needs go up – often affecting the rates for the entire group. With the Chambers Plan, those incidental increases are pooled across the full membership resulting in stable rate increases.
BONUS! As a not‑for‑profit plan, surpluses don’t go to shareholders as dividends. They are reinvested in plan members to help keep rates stable and deliver the most robust plan possible.
Comprehensive Health & Dental Benefits
Coverage includes prescription drugs, paramedical services, vision care, emergency travel and ambulance—all managed through a user-friendly my‑benefits® platform.
built-in wellness & mental health support
No extra cost access to online medical experts and professional mental health supports, including up to 12 hours of confidential counselling via EAP.
Business Assistance Support (BAS)
Chambers Plan members tap into HR, legal, accounting, and professional coaching services at no charge or more affordable rates than traditional professional services, making them an ideal added value for small employers that need guidance on compliance, leadership, and employee relations.
exceptional Local Support
You can rely on superb customer support that is close to home. Benefit from quick set‑up, easy claims, and local expertise with JM&A Insurance – all backed by a Canadian-based team under Johnston Group Inc.
Self‑Funded Options: Take control and save
Prefer something more tailored? Ask us about incorporating Health Spending Accounts (HAS) and Administrative Services Only (ASO) self‑funded plans: companies pay actual health/dental costs plus an admin fee, with stop‑loss coverage to limit risk. You customize coverage, gain transparency, and often reduce expenses—while still delivering robust benefits for your staff.