Private Health Services Plan

Maximize income tax savings on your
dental & medical bills

john beaton
John Beaton

canadian health plan

whats covered

who qualifies

what does it cost

home page

out of country -catastrophic coverage

download PHSP application

PHSP Tax Rules


big business benefits

small business benefits

biz flex brochure


contact information

privacy statement


This is about features and benefits of a Canada Customs & Revenue Agency [formerly Revenue Canada] approved Private Health Services Plan [PHSP] and its importance to incorporated companies and self employed sole proprietors and their employees. A PHSP is a Health & Welfare Trust which takes advantage of Section 248(1) of the Income Tax Act that allows business owners to deduct 100% of eligible medical and dental expenses from their gross business income. Medical and dental benefits offered by an employer through a PHSP to an employee are tax-free to the employee while at the same time tax-deductible to the employer. A PHSP is an innovative way to completely tax-deduct money spent on healthcare and dental services. It can be used on its own or in combination with existing group insurance coverage. With today’s rising healthcare costs and aging population, a PHSP is an ideal way to maximize tax-deductibility, customize flexible benefits and reduce costs.

PHSP in the news. If you don't already have it, you will need the free Adobe Acrobat reader software installed on your computer in order to read this news report. This software can be obtained by clicking here.

The PHSP plan presented here is called bizflexTM, administered by AVP Health & Welfare Trust. It is easy and inexpensive to implement, resulting in immediate long-term tax savings to those who qualify.

After you examine the information presented here and determine whether or not you qualify, don't hesitate to put your plan into effect now and enjoy tax savings throughout this current year. Simply view and print the application which you will find on this website, complete and send by regular mail with a cheque payable to AVP Health & Welfare Trust and I'll be in touch with you. If you are not certain, e-mail me at or pick up the phone and call me toll free in Canada at 1-800-667-8818.

Private Health Services Plans are for Canadian residents only.

Beaton Insurance Services
15310 Pacific Avenue
White Rock, British Columbia, Canada V4B 1P9
Tel: (604) 535-2404
Toll Free Canada: 1-800-667-8818
Web site:

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