Health & Dental Plans
Although Canadians have Provincial healthcare, many items aren’t covered. That’s why many insurance companies offer Health & Dental Plans for individuals and their families. Insurers such as Manulife, Canada Life, Sun Life and Greenshield.
These companies typically offer 3 types of coverage;
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Plans where they ask medical questions on the application. These plans are usually not available if you already have an existing medical condition.
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Plans for people just leaving an existing group benefits plan. We have a 90 window to obtain this coverage, even if you have an existing medical condition.
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Guaranteed Issue plans- a great choice for people with existing medical conditions. The coverage may be less than the other 2 plans- but it certainly can be cost-effective for many. Although the Guaranteed Issue plans are somewhat limited in coverage, we still think the benefits are valuable, especially Manulife’s Plans because of the Healthcare Online services.
Everyone who purchases a Manulife Health and Dental plan receives Healthcare Online at no extra cost. This program will connect you with doctors and nurse practitioners over the phone, computer or app to receive diagnosis, referrals, second opinions, prescriptions and more. This service is available 24/7 and may even help you avoid having to wait for hours in an emergency room.
For more information about Health & Dental plans, or to get a quote please send an email to wayne@itsallhere.ca
Insurance Policies
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