Individual Health

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.), ambul​​​​ance, 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.

Drug Coverage:

You can purchase drug coverage or not purchase it. There are many different amounts of coverage available from the insurance company you have selected.

Dental Coverage:

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.

Other Options:

Travel Insurance, Hospital Cash and more are available as additions or individual selection depending on the product chosen.

   Guaranteed Issue:

These products have no medical underwriting. Despite any medical issues you may have, the product will be issued with no exclusions.

   Medically Underwritten:

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....