Resource Centre
![Health Spending Accounts](https://ojtbf.ca/wp-content/uploads/2016/12/photo-family-doc2.jpg)
Health Spending Accounts
Having a Health Service Spending Account (HSSA) offers plan members the flexibility to use health care dollars where they need them most.
![Coordination of Benefits (COB)](https://ojtbf.ca/wp-content/uploads/2016/12/photo-family-doc.jpg)
Coordination of Benefits (COB)
Due to the growing availability of Group benefit plans and the increasing number of two-income families in today’s society, more and more individuals are being covered under both their own plan and that of their spouse.
![Dispensing Fees and Health Benefit Costs](https://ojtbf.ca/wp-content/uploads/2016/12/photo-dispense.jpg)
Dispensing Fees and Health Benefit Costs
Dispensing fees can have a significant effect on drug plan costs, as they ultimately play a role in determining the rates charged to policyholders and their employees.