Education with Michelle

Your benefits, finally explained in plain English

A free, six-part series that turns the confusing corners of your group benefits — deductibles, formularies, EOBs, spending accounts — into something you can actually use. No jargon, no sales pitch. Just clear answers from someone who does this every day.

6 short lessons About 7 minutes each

Michelle Bryant

Vice President of Operations & Sales

Meet your guide

“Most people don’t need to become benefits experts. They just need someone to translate. That’s what this series is — the answers I give clients every week, written down so they’re yours whenever you need them.”

Michelle works with Canadian employers and their teams to make group benefits clear, fair, and genuinely useful — translating the fine print into decisions people can actually make.

The Curriculum

Six lessons, start to finish

6 min read

Deductibles, Co-Insurance & Co-Pays: What You Actually Pay, Explained

Why a $120 physio visit can still cost you $24 at the desk. The three small mechanisms that quietly decide how every bill gets split between you and your plan — walked through one prescription at a time.

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6 min read

The Plain-English Benefits Glossary: Every Term on Your Booklet, Decoded

Coordination of benefits. Reasonable and customary. Paramedical. Your booklet is full of words that sound obvious and absolutely are not. Here's your decoder ring, grouped the way you'll actually meet them.

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7 min read

What Every Ontarian Should Know About Their Benefits (OHIP vs. Your Plan)

You actually have two kinds of health coverage doing different jobs. Where OHIP stops and your workplace plan begins — plus the OHIP+, Trillium, and travel details that quietly save Ontarians money.

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6 min read

How to Actually Use Your Benefits: Claims, Direct Billing & Reading Your EOB

Having benefits and using them are two different skills. How to stop paying full price at the dentist, submit a claim in ninety seconds, read an EOB without dread, and fix a denial when it happens.

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7 min read

Drug Coverage & Formularies: Why Your Pharmacy Bill Is What It Is

"Not on the plan" almost never means what it sounds like. How formularies, generics, and prior authorization really work — and the path to getting the medication you need covered.

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7 min read

HSA vs. Traditional Benefits: Which Actually Saves You Money?

A Health Spending Account works on completely different logic than a traditional plan — and the tax treatment is a quiet superpower. When each one wins, and why the best setups use both.

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Still have a question about your own plan?

The lessons cover the fundamentals — but every plan is a little different. If something about yours is still unclear, reach out and we’ll walk through it together, no pressure.