Though we all go through our unique life experience, we can all agree on one thing. That is, when you take care of yourself life becomes more enjoyable. Health insurance products helps to lower your risk of accumulating expenses for preventive care or medical bills as a result of an illness or accident. While provincial health plans provide coverage for many health expenses, there are gaps that can have a significant impact on your finances.
Why do I need Health Insurance if I’m covered by my provincial health card? Shouldn’t that be enough?
That’s right, as Canadians we have the benefits of our publicly funded health care system. Which provides the basic coverages, such as trips to your family doctor or the emergency room, immunizations, and some treatments for mental health disorders.
However, non-provincial Health Plans will cover health care costs that government health plans wouldn’t. Cost for things such as contacts lenses, dental exams, and massage treatments that can help you feel a little better about yourself. In the event of the unexpected, they cover the costs of road and air ambulance, preferred hospital rooms, medical equipment, and more to make sure you get the care you need and deserve.
For example, depending on the province or territory where you live, you may have to pay for:
Health insurance can provide help for your health and dental needs.
Medical bills can add up, from prescription drugs, dental checkups, physiotherapy, eyeglasses and so forth. If you and your family aren’t covered by a group health and dental insurance, you need a dental plan and health insurance. Health Insurance offers both, and also offers Hospital Cash Benefit insurance.
Hospital Cash Benefit provides you with money if you are hospitalized and could be
used for expenses to pay for a semi-private hospital bed or to take care of children or pets while you are hospitalized.
We all have different needs when it comes to health insurance. And those needs can change throughout our lives. Whether you just need the basics for a while, want to add to your work benefits plan, or are looking for a complete wellness package, Health benefits plans let you choose what works for you. If your situation changes, there are flexible options so your plan can grow with you. Because, what fun is life if it never changes? Make sure you’re fit and ready for whatever adventure may come your way.
like all other insurance coverage, the younger and healthier you are will be of benefit to you. When you apply for Health Insurance, the insurer assesses the degree of risk that you represent. They look at things like your age, gender, weight and medical history and then place you into risk categories which help determine your premiums and your coverage. Usually, the younger and healthier you are, the lower the risk and the lower the premiums.