How Private Health Services Plans Work
Below is an example of how a PHSP works using a $1000 dentist visit as an example.

Employee pays dentist and gets receipt
Employee
$-1000
$1000 out of pocket
Employer
$0
$0 out of pocket

Employee submits receipt and claim form to CMB
Employee
$----
$1000 out of pocket
Employer
$----
$0 out of pocket

CMB invoices employer for claim amount +10%. Employer gets full tax deduction
Employee
$----
$1000 out of pocket
Employer
$-1100
$1100 out of pocket

Employee gets cash back tax free
Employee
$+1000
$0 out of pocket
Employer
$----
$1100 out of pocket
Summary
Employee is reimbursed 100% and not out of pocket. Employer gets full tax deduction for Coast Mountain Benefits invoice of $1100.