Whether you are self-employed, between jobs or retired, there is a perfect health care package of benefits available for you and your family through Blue Cross, Manulife or GMS.
Extended Health Coverage:
Includes some or all of the following... vision, health practitioners (chiropractic, physiotherapy, massage etc.), ambulance, health supplies, preferred hospital rooms and much more. All plans require extended health coverage. It may be built into the coverage or it may be a separate item with different options to select.
You can purchase drug coverage or not purchase it. There are many different amounts of coverage available from the insurance company you have selected.
Choose to include dental coverage or not include it. The amounts of coverage available differs by product.
NOTE...Orthodontic coverage (braces) is not available with Individual health insurance.
Travel Insurance, Hospital Cash and more are available as additions or individual selection depending on the product chosen.
These products have no medical underwriting. Despite any medical issues you may have, the product will be issued with no exclusions.
To apply for these products you must answer medical questions. Based on your answers, you may be declined, or you may be offered the policy with some exclusions and / or conditions, or the policy may be fully issued with no exclusions.
Leaving A Group Plan?:
If you are leaving a group insurance plan, you have a period of time (usually 90 days after leaving the plan) to apply for a special guaranteed issue policy. These policies have more coverage available than the regular guaranteed issue products. HOWEVER, If you do not have any pre-existing medical conditions, a regular medically underwritten plan may provide the best coverage at a lower price.
Individual Health Insurance May Be The Lifeline You Need!
For Your Insurance Needs....