Whether its health and dental insurance or travel insurance, there are several options one can take advantage of. Its well known that healthcare expense are not all covered by the government such as drugs, dental treatment, eye exams, physiotherapy, and many more. Out of the country, there is no coverage without a travel insurance plan in effect. If you are not covered under any type of group health plan, you can be putting yourself at risk with expenses beyond your means in the case of an accident or illness or even for basic life needs.
The government is continually managing a tight budget in healthcare, cutting areas like vision care and physiotherapy and shortening hospital stays leaving these costs for public to manage independently. As the population ages increased demands on the healthcare system will mean more of the same. Health insurance helps manage those costs that our healthcare system has leaves out. It’s important to get this insurance early, before you anything unexpected might occur, because it won’t be available later and give you peace of mind knowing you’re covered.
Even if you currently only claim a few things a year, it’s important to remember that the purpose of health insurance is to ensure your family’s financial security. The greatest usage are typically the dental, general drug and vision aspects of the insurance, but the value you get is protecting you from the uncertainties of a health risk that is not covered with our government health care system. At any given time, you could pay thousands in unexpected medical and dental expenses if you don’t have a health plan depleting any savings or assets you may have.
If you own a business, there are ways to also create an effective health insurance plan without being concerned that you are spending more than you are using. A Health Spending Account is a method used by many businesses, even sole proprietors that allows for an allocation of dollars to this account that can be spent on any health cost need. Its magic is that it is paying it with pre-tax dollars and any residual left at year end can be forwarded to the following year. It offers the most flexible, tax-effective method to benefits available and can save you thousands of dollars.
Contact Us for more information about how this could work for you.
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Manulife Financial offers Health, Dental and Extended Health Care benefits with the following options:
* Coverage for Individuals and Families
* Coverage for those who are self-employed or those whose group benefits have been terminated.
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FlexCare® offers 7 different health and dental plans (3 of which are guaranteed issue) and many add-on benefits so that you can design a health plan that best meets your specific needs. Click here to learn more about FlexCare®.
FollowMeTM offers 4 guaranteed issue plans which are designed to “bridge the gap” for people who are leaving a group plan due to job loss or retirement so that their health and dental coverage is not interrupted. As long as you apply within 60 days of leaving your group plan, you are guaranteed acceptance with FollowMeTM. Click here to learn more about FollowMeTM.
Association Health and Dental plans offer 8 different plan choices with options for Dental only and Dental + Drug benefits.
Click here to learn more about the Association Health and Dental plans.
