Health Insurance Comparison: Public Versus Private Health Insurance in Alberta

As a Canadian province, Manitoba is expected to cover a minimum amount of healthcare services for its citizens and residents. The provincial healthcare services are provided through the Health, Seniors and Active Living department of Manitoba. Only essential care from hospitals and physicians is covered in Manitoba but you have to take care of the rest of the medical costs yourself. Read on to learn more about Canada free healthcare in Manitoba.

Who is Eligible for Manitoba Healthcare Coverage?

The Canada Health Act requires each province and territory to provide coverage to permanent residents, refugees and Canadian citizens living in the province. This is the first requirement that must be met before you can apply for healthcare in Manitoba.

Furthermore, you must live in Manitoba to enroll in the provincial healthcare program. However, a waiting period of three months applies to new residents; their coverage begins on the first day of the third month of their arrival to the province.

If you meet the eligibility and residency requirement for Canada free healthcare in Manitoba, you can apply by filling out the Manitoba Health Registration Form. To complete your application, you will be required to provide your previous health card number (if applicable), and your proof of residency and citizenship. Visit Insurdinary to find out more.

Services Covered in Manitoba Health

Manitoba Health covers several medical services in line with the Canada Health Act. These include ophthalmology services, general practitioners and hospital services, chiropractor and dental surgeon services, etc.

Several medical services are covered under the hospital and GP services. These include hospital testing services, as well as diagnostic, laboratory and x-ray imaging procedures. However, these procedures and services must be carried out in a hospital environment.

Furthermore, the province covers a routine complete eye exam for seniors 65 years and above and younger people 19 years and below. However, if your age does not fall under the category mentioned above, you can still assess the ophthalmology service only if your condition is medically necessary.

Paying for Care in Manitoba

Canada free healthcare provided under Manitoba Health does not cover everything. For instance, prescription drugs are only covered partially, you are required to make some contributions for the cost of the drug, the same thing applies to long-term home care services. However, dental services are not covered at all in the provincial healthcare system. For these coverages that are partially covered or not covered by the province, you need to get private health insurance coverage. Click here to learn more.

Ontario government spends billions of dollars on OHIP coverage. Although OHIP is not comprehensive, it covers a lot of medical services with seniors receiving more coverage than most other Ontarians. While you may still need private health insurance, public health insurance can cover a lot of services. Read on to learn more about these services.

Coverage For Ambulance Services

Ambulance services are one of the medically necessary services covered by the Ontario Health Insurance Plan. However, this service is not covered completely; you are required to make a contribution or a co-pay for the service.

For instance, if the hospital considers the ambulance service as medically-necessary, you will have to make a co-payment of $45, but if not, a co-pay of $240 will be required.

On the other hand, seniors can get ambulance services free of charge, provided they live in a long-term care home licensed by OHIP. Furthermore, people who live in psychiatric homes, special care homes, and those receiving provincial social assistance do not have to pay for ambulance services.

Coverage For Optometry Services

Only seniors 65 years and above and young people below 20 years can assess coverage for optometry services in OHIP. They can also assess coverage for a major eye exam every year. Optometry services under OHIP include the following conditions glaucoma, cataract, visual field defects, corneal disease, amblyopia, diabetes mellitus, optic pathway disease, recurrent uveitis, corneal disease, etc. Visit Insurdinary to find out more.

Coverage For Prescription Medications

OHIP coverage includes prescription drugs but this is accessible only to seniors 65 years and above and younger people below 25 years.

Seniors can assess prescription drug coverage through the Ontario Drug Benefit (ODB) program. You are required to apply to the program in order to assess the coverage, however, only 4,400 prescription drugs are covered under ODB. If you are an ODB enrollee but could not find your required drug under the list of prescription drugs covered by ODB, you can apply for the Exceptional Access Program.

Your application for the Exceptional Access Program will be approved depending on the severity or rarity of your medical situation and the type of drug you wish to get.

Prepare for Your Retirement

With OHIP coverage, you can confidently prepare for your retirement and be sure that you are covered. However, you might still need additional life and health insurance coverage. For instance, most seniors prefer to get life insurance coverage with long-term care riders. These policies will properly supplement your public insurance as the coverage starts where your provincial plan stops. Click here to learn more.

Insurance companies differ in the services they offer as well as the costs for those services. Since there are many health insurance providers in Canada, most Canadians often ask “what health insurance should I get?”. If you are asking this question, you are not alone; however, we provide you some useful guides and considerations to help you choose the best health insurance plan for your needs. Read on to learn more.

Compare Insurance Costs

One of the most important factors you should consider before taking out health insurance is the cost of insurance. Insurance costs are determined by various factors such as age, pre-existing medical conditions, family history, tobacco use, and body mass index. Some of these factors (like tobacco smoking habits and body mass index) are within your control but others are not.

Before comparing insurance services and getting insurance quotes, you need to first assess your needs. Insurance quotes are given based on the needs you specify. There is no point in paying for what you don’t really need or wouldn’t use. However, in assessing your needs, you will be able to ascertain what you really need and what you do not need.

An easy and effective way to reduce insurance costs is by removing services you do not need from your policy. If you don’t need so much coverage, the basic coverage might be appropriate for you and if your need increases or changes, you can add additional coverage through add-ons provided by the insurer. Visit Insurdinary to find out more.

Medically Underwritten Versus Guaranteed Insurance

If you are asking “what health insurance should I get”, you need to consider these two types of insurance. Your medical conditions determine the type of insurance you should go for.

If you are healthy and wouldn’t mind going through the process of medical exams, you can go for medically underwritten plans. Medically underwritten plans may require some health questions and exams but your application might be turned down if you do not pass the exam. In some cases, the pre-existing condition might be excluded from the policy.

Guaranteed insurance plans do not require any medical exam or health question. You are guaranteed to get the health insurance once you apply, no question asked. This type of health insurance allows people with a pre-existing condition to get insurance easily. The major difference between these two types of insurance is that underwritten plans may have higher payouts than guaranteed insurance plans. Still asking what health insurance should I get? Click here to learn more.

Medicare, the public health insurance system in Canada, does not cover everything. While it covers medically necessary conditions, conditions that are not medically required are not covered. Although this may vary from one province to another, it usually includes prescription drugs, vision and dental care, paramedical services, durable medical equipment, etc.

However, private health insurance provides coverage for these conditions but since there are many health insurance providers in Canada, you need to shop around and compare policy options to choose the best private health insurance in Canada. Read on to learn more.

What Private Coverage Do You Need?

Health insurance needs vary remarkably from person to person and from family to family. This is why you need to carefully assess your needs before getting private health insurance. You can begin by reviewing your medical spending such as your out-of-pocket expenses on prescription drugs. Your health spending will give you an idea of the amount of coverage you need for each service.

You will probably need higher coverage for some medical services than others. It is also important to note the services that are already covered by your provincial plans. Some of the medical services you will need coverage for include prescription drugs, vision care, dental care, paramedical services, and durable medical equipment. Visit Insurdinary to find out more.

Compare Costs

Health insurance costs may vary from one insurance provider to the other. For most insurance policies, you will have to pay insurance premiums, deductibles, and co-insurance.

Premiums are the monthly amount you will pay to maintain the insurance policy. The higher the premium, the higher the coverage. Also, plans with higher premiums usually have lower deductibles. Deductibles are the yearly amounts that must be paid before the insurance coverage kicks in while co-insurance is the percentage of the insurance amount you will have to pay after paying the deductible.

When comparing private health insurance in Canada, it is important to also compare these costs and choose the best coverage. Low premium plans are not always the best; in fact, if you need higher coverage, a higher premium plan might be a better option.

Consider the Plan’s Annual Maximums

Annual maximums or limits are the maximum insurance amount the policy will cover every year. Once the limit is reached, you have to pay the rest of the cost for that year. It is important to pay close attention to the annual limit when choosing an insurance policy and make sure you choose a plan whose limit is considerably good. Click here to learn about private health insurance in Canada.

Public health insurance in Canada is said to be one of the best in the world but over 60% of Canadians still get private health insurance. The reason for this is clear: public health insurance is not comprehensive. Insurance is big business in Canada, as such several private health insurance companies offer health insurance services. While this provides several options and choices, it also makes choosing the right private health insurance in Canada difficult. This is why you should master how to compare and contrast insurance services to choose the best option. Read on to learn more.

Determine Your Coverage Needs

The first step in comparing and choosing the right health insurance needs assessment. Your needs will determine the type of insurance services you will go for and you should compare health insurance based on those needs.

When assessing your needs, you should keep in mind that some of those needs might have been covered by public health insurance. To avoid duplicating coverage, you should find out what your provincial plan already covers and make sure you go for the services that are not covered.

Some of the services you should consider getting private health insurance on include prescription drugs, dental care, vision care, paramedical services, and durable medical equipment. While some provinces may provide partial coverage to some of these services, many other provinces do not cover them at all.

Are You Eligible?

Eligibility requirements and qualifications for private health insurance may vary from one insurance provider to the other. For instance, some insurers do not cover people with pre-existing conditions while some other insurers cover them but at a higher cost.

It is also important to find out the age requirement and other eligibility requirements of your chosen insurance company before you go ahead with their services. Visit Insurdinary to learn more.

Compare Premiums and Other Costs

Cost may not be the most important factor but it is, nonetheless, important. Before choosing an insurance service, make sure you can afford their services. In other words, you should consider their premiums, deductibles, and co-insurance.

Premium is the monthly insurance cost you have to pay to stay on the coverage while deductible is the amount you will have to pay before the insurance coverage kicks in. Co-insurance is the fixed amount you will pay after the deductible.

Consider the Annual Limits

You should carefully consider the annual limit before choosing private health insurance in Canada. Once the insurer pays an amount up to the annual limit, you have to pay the rest of the cost.

In other words, if you need so much of a service, you should make sure that you go for a plan with a higher annual limit. Click here to learn more about private health insurance in Canada.

Canada records a staggering increase in healthcare costs every year; an increase of about 4% was recorded in 2018. A lot of factors are responsible for this increase, but the most common factors include the aging population and the rising cost of prescription medications. You can imagine how much you would be spending if you choose to pay for healthcare out of pocket. This is why you should consider taking out private health insurance.

But before getting private health insurance, you need to get a suitable insurance quote. You also need to know how to compare health quotes in order to choose the best plan for you and your family. Read on to learn more.

Factors that Affect Health Insurance Quotes

The cost of health insurance may vary from one person to the other; this is because the factors affecting health insurance are individual-based. While you may have control over factors like your tobacco use and body mass index, you may not have control over pre-existing conditions, age, and family history.

Most insurance companies do not provide coverage to people with pre-existing conditions. In most cases, your application will be declined if you have a pre-existing condition. Some other insurers may cover such people but at higher insurance cost. If you have a pre-existing condition, you need to be sure that the insurer can provide coverage for you or you can go for a guaranteed health insurance plan.

For most insurance companies, the insurance premium increases with age. In other words, the older you are, the most you will pay in premium. This is because many health problems are age-related, so insurance providers charge higher premiums in order to cover these conditions.

In general, the healthier you are, the less you will pay in health insurance premiums. Click here to learn more.

Insurance Premiums Versus Deductibles

When getting health quotes in Canada, you need to consider the insurance premiums, deductibles, and co-insurance. Premiums are the monthly insurance amounts you have to pay to maintain your insurance package while deductibles are the amount you need to pay before the insurance coverage becomes effective.

Plans with higher premiums usually have low deductibles and vice versa. If you wish to get more coverage, it is advisable to go for a higher premium and lower deductible plan. However, a higher deductible and lower premium plan may be more appropriate for medical services you have less need of. Visit Insurdinary to learn more about comparing health quotes in Canada.

A lot of Canadians are suffering from one pre-existing condition or the other, the most common of these conditions include asthma, diabetes, etc. Pre-existing conditions will make it difficult for anyone to get insurance in Canada, however, you can still get guaranteed health insurance.

Unlike medically underwritten plans, guaranteed plans offer guaranteed acceptance. In other words, if you apply for a guaranteed insurance plan, you will likely get the coverage irrespective of your health status or medical condition.

Benefits of Guaranteed Issue Insurance

Guaranteed issue insurance offers a lot of benefits. Firstly, no medical question or exam is asked before getting a guaranteed issue plan. In other words, you can assess coverage irrespective of your health status. You can still get a guaranteed health insurance plan even if you have a pre-existing medical condition.

Insurance costs for medically underwritten plans are not consistent. Depending on the customer’s health condition at each point in time, the cost of insurance can go up and down. Since guaranteed insurance plans do not consider the customer’s health condition, it has a consistent cost. In fact, the cost of insurance for guaranteed plans only changes after the age of 70 or 95, depending on the insurance provider.

Also, guaranteed plans may offer more coverage than medically underwritten plans. You can get coverage on both your drugs and dental coverage or either of them. Visit Insurdinary to find out more.

Eligibility and Cost

The first eligibility requirement for getting a guaranteed insurance plan is to be a Canadian citizen. Secondly, your age is also another point of consideration in getting the policy. Most plans start at the age of 40 and may last to age 70 or 95. Before purchasing a guaranteed policy, make sure you go through the eligibility requirements and be sure you meet them.

Since the insurer provides insurance without medical exams or questions, the cost of insurance for guaranteed insurance plans is usually higher than medically underwritten plans. It is advisable to talk to a certified health insurance provider online and get a quote on the policy before you proceed.

When To Get Guaranteed Insurance Plan

If you are healthy and don’t have a pre-existing condition, it is advisable to first try a medically underwritten plan but if you are not able to get the plan, you can go for a guaranteed insurance plan.

It is also important to carefully go through the policy’s terms and conditions and also know the medical conditions covered. This will help you to be on a safe side especially when it comes to making a claim. Click here to learn more about guaranteed health insurance.

The need to get private health insurance has never been as impending as it is today especially with the continuous upsurge in healthcare cost and the incessant reduction in healthcare budget by the Ontario government. As a matter of fact, you will likely spend more on healthcare costs than you did in the past years. This could be a huge cost if you are planning to pay medical bills out of pocket but you can make it easier for yourself by purchasing private health insurance.

All private health insurance providers are not created equal. If you want to get a great plan, you should begin by getting the right health insurance quotes in Ontario. How do you do that? Read on to learn more.

Assess Your Need

The first step in getting the right quote is determining or assessing your medical needs. To do this, you should ask yourself some simple questions, what exactly do you need coverage for?

When assessing your needs, you should keep in mind that some of these needs may have been covered by OHIP. This will help you to avoid duplicating coverage and get coverage only for conditions that are not already covered.

You can begin by considering conditions that are not medically necessary in Ontario. Such conditions include vision care, corrective and routine dental care, prescription medication, etc.

However, you should decide the coverage you need the most and then look for the right insurance policy covering that condition. Visit Insurdinary to find out more.

How to Get Health Insurance Quote in Ontario

To get the right health insurance quote, it is usually better to begin by researching various health insurance companies around. There are over a hundred health insurance providers in Canada but the most popular insurers include Manulife, Green Shield Canada, Blue Cross, GMS Insurance, Great-West Life, and Sun Life.

While you can get quotes from the insurer’s website, doing so will make it difficult to compare plans across different insurers. If you wish to compare insurance plans offered by more than one insurance company, you should do so on a comparison website. This will also allow you to go over their reviews and know what other customers say about them.

An even easier way to get health insurance quotes in Ontario is through a broker. A broker is experienced in the system and can help you to get plans with the best rate. Brokers make comparing health insurance plans a lot easier and efficient. Click here to find out more.

The Canada Health Act of 1984 makes universal healthcare available to Canadians, however, healthcare in Canada is not entirely universal. Only medically necessary conditions are covered, conditions like sex reassignment, oral health, foot care, mental health care, etc are not covered. If you need coverage for these conditions, you should get private health insurance deals. Choosing the right private health insurance is not as difficult as you think, however, you should know what you are looking for and how to find it.

Types of Health Insurance in Canada

There are various types of health insurance in Canada and the right plan to choose depends on your condition.

Most insurers will not provide coverage to you if you have a pre-existing medical condition. If you are in this situation and need medical insurance, you should consider going for guaranteed issue insurance. As the name implies, you are guaranteed to be accepted when you sign up for a guaranteed health insurance plan. Furthermore, this type of insurance does not require a medical exam or blood test.

If you are looking for a plan to cover your entire family, you should consider going for health insurance deals with a group or family plan. Since it will cover your entire family, you don’t need to get separate insurance for your children.

Furthermore, disability insurance might be the right coverage for you if you need coverage for assistive devices such as respiratory equipment. Visit Insurdinary to find out more.

Choosing the Best Health Insurance Deals

With so many health insurance companies in Canada, finding health insurance quotes can be quite overwhelming. However, to get the right quote, you need to provide accurate information about your medical history, weight, occupation, height, and age. Before choosing an insurance company, you should consider the level of services they provide, the cost of their services, customer reviews, among many other factors.

Here are five of the best health insurance companies in Canada

Manulife is one of the largest insurance companies in Canada. It offers two basic health and dental insurance services to Canadians, namely FlexCare and FollowMe. Manulife also offers an Association health and dental plan.

 Other notable health insurance companies in Canada include Great-West Life Assurance, Ivari, TD Insurance, GMS Insurance, to mention a few.

Most insurance companies offer both basic and extensive coverage and while the cost of insurance is cheap for basic coverage, you need extensive coverage if you want more coverage. You should consider a more specific coverage if you are in need of specialty care. Click here to learn more.

Before choosing a health insurance policy, it is customary for one to get medical insurance quotes. There are hundreds of health insurance providers in Canada and so you want to make sure that you are choosing the best insurer at the best rate. How do you choose an insurer amidst a hundred others? You can get medical insurance quotes online today. Read on to learn more.

Why Get Private Insurance

Canada has a wonderful healthcare system with the government catering for a part of the medical cost. However, public healthcare does not cover everything, you still have to take care of several services yourself. Rather than paying for medical costs out of pocket, most Canadians choose to get private insurance.

Medical cost is expensive. Major surgeries can cost thousands of dollars and if this is not covered, you have to fork over the money out of pocket. Private health insurance can cover these costs and even offer faster and more agile services.

How to Get Medical Insurance Quotes

Getting medical insurance quotes online is easy. Firstly, most insurance companies provide quote comparison features on their websites. This allows you to compare health insurance plans offered by the insurance company and choose the best plan suitable for you.

However, most Canadians prefer to use comparison websites to compare insurance quotes from various insurance companies. This is a better way to go as it allows you to get the best rate and services. Shopping for medical insurance quotes online is better because it can be done faster and from anywhere in the world. Visit Insurdinary to find out more.

Get Plans with Guaranteed Acceptance

Most Canadians do not like the concept of medical exams. However, conventional insurance plans often require medical questions and exams but such plans may not be suitable for people with pre-existing medical conditions or family history.

If you have a medical condition and still want to get insurance coverage, you can go for a plan with guaranteed acceptance. In guaranteed issue plans, you are sure to get accepted irrespective of your medical history. The major downside with guaranteed issue plans is that it usually comes with a higher insurance premium than most insurance plans.

Insurance plans also have tiers. Basic plans may cover only part of the service, usually 50%, elite plans cover more (typically from 70% and above). Most plans also have add-ons, which are optional coverages that can be used to improve the plan to get the features you desire. Click here to learn more.

Even if you are traveling outside Canada for a day, you need to decide what type of insurance coverage to get for your trip. A lot of things can go wrong on a trip and while you are obviously not hoping for the worst, you need to prepare for it. This is why you should consider taking out travel insurance and/or international health insurance.

Benefits of Travel Insurance

As would expect, travel insurance covers travel-related emergencies and inconveniences. Some of the most common conditions covered by travel insurance include lost or stolen luggage or passport, trip cancellation, and interruption, overseas funeral expenses, etc. You may even get travel insurance for domestic trips; travel insurance may also cover medical expenses, this also includes transportation to the medical facility.

Like any other type of insurance, it is important to read the policy document before signing up for travel insurance. The limits and conditions covered may vary from policy to policy and your policy may not be effective if you travel to regions of the world with active travel warnings.

Benefits of International Health Insurance

International insurance is required for health insurance coverage when you travel outside Canada for a long period of time, usually more than 180 days. In some countries, visitors are not allowed to access certain health care coverage. This is why you need additional insurance for protection against any medical condition.

However, before taking out international health insurance, it is important to properly access your current health coverage. Sometimes, the condition you are intending to cover may already be covered by your current health plan. In such cases, you will be required to make the payment out of pocket and get reimbursement when you return to Canada. Nonetheless, international health coverage may be needed to cover conditions that are not already covered by your policy. Visit Insurdinary to find out more.

Read the Fine Print

It is generally advisable to read the fine print before taking out any insurance policy. You also need to talk with the insurer to find out what is covered and what is not covered by the policy. This will help you to find out the policy’s limits and whether certain activities are covered.

Furthermore, if you are traveling with a family or group, it is usually advisable to consider the insurance needs of everyone in the group. For instance, older and younger people are more prone to certain environmental conditions and they may need specialized care; so, your insurance coverage should consider those conditions and care. Click here to learn more.

It is common for injuries to occur in a car accident. While the injuries could be minor, serious vehicle accidents usually result in major injuries. As you would expect, the medical expenses for treating such conditions could be high, this is why you need auto insurance.

Auto insurance is compulsory for Canadians – the law requires it. In other words, if you are a driver in Canada, you must hold a certain minimum amount of car insurance. Some of the most mandatory types of vehicle insurance you must hold include third party liability coverage, statutory accident benefits coverage, uninsured automobile insurance, and direct compensation-property damage insurance.

What is Statutory Accident Benefits Coverage?

If you need to get coverage for supplemental medical care, you need statutory accident benefits coverage. For instance, it covers the cost of rehabilitation, attendant care and even 70% of your weekly income to a maximum of $400.

Both the policyholder and the passengers involved in the car accident will be covered by statutory accident benefits and it does not matter who is at fault in the accident.

Although Med Pay is not designed to replace health insurance, it can provide sufficient accident coverage even if you don’t have health insurance. Statutory accident benefits can provide sufficient coverage for personal injuries, injuries caused to other passengers during the accident, and injuries you cause to other people.

Furthermore, Med Pay does not consider how the accident happened and it has no geographical boundaries. In other words, you will receive compensation even if the accident occurred outside your province. However, Med Pay does not cover other cars or equipment attached to your insured automobile. Click here to learn more.

How Does Med Pay Work?

Med Pay could be relevant whether you have health insurance or not. It will function as secondary coverage if you already have health insurance. In this case, your health insurance should be used in paying your medical expenses but Med Pay will take care of the co-pay.

However, Med Pay will be your primary coverage if you don’t have health insurance. However, to receive compensation on Med Pay you are required to make the payment out of pocket and get reimbursed later. Furthermore, you need to make the payment within three years after the accident occurred.

Also, you have to submit a copy of the bill to Med Pay in order to get the compensation, however, you must have incurred the cost to do so. Med Pay offers numerous benefits but it is offered by various companies. Make sure you properly research your options and ask relevant questions before choosing a company. Visit Insurdinary to learn more about medical expenses in Canada.

Canada has a lot of big insurance companies and each company offers medical ins quotes for customers who wish to get their plans. Before getting this quote, you should determine your needs and then choose a plan that meets those needs. Read on to learn about the plans offered by top insurers in Canada.

Manulife

Manulife needs no introduction. It is one of the largest insurance companies in Canada offering health and dental insurance services. Manulife’s health and dental insurance are divided into two plans: Flexcare and FollowMe. Flexcare covers most health and dental insurance services and it also includes add-ons for vision care, hospital care, and travel insurance.

FollowMe also offers comprehensive health and dental insurance coverage, however, you don’t need to undergo any medical exam to apply for this plan, provided you apply within 60 days of leaving your group health insurance.

Great-West Life Assurance

This is also another big insurance company in Canada that offers medical ins quotes. Great-West Life provides insurance coverage for individuals and families. The plans include Core Packages and Plan Direct.

Great-West’s core packages include several other packages such as Core, Core Plus, and Core Elite package. The Plan Direct package is suitable for people moving from one company to another, it is also adequate for retirees. This plan offers guaranteed acceptance, so you don’t need to take a medical exam to qualify for it. Visit Insurdinary to find out more.

Group Medical Services (GMS)

GMS is another big name in Canada’s insurance industry. It offers extended healthcare coverage. GMS coverage includes three plans, namely, BasicPlan, ExtendaPlan, and OmniPlan.

The BasicPlan covers services that are excluded from your provincial health insurance plan. It also covers emergencies. ExtendaPlan provides a more comprehensive coverage than the BasicPlan. It provides coverage for eyeglasses and eye exams, medical supplies, and medical emergencies. OmniPlan is the most extensive plan offered by GMS. It covers benefits like physiotherapy, vision care, preferred hospital room, massage therapy, etc.

GMS also provides optional coverages that can be used to augment any of the aforementioned plans. For instance, you can add additional coverage like travel insurance, hospital care, dental care and prescription drug coverage to the plan.

Compare Insurance Plans

Insurance plans can be easily compared through the insurance company’s website. However, this limits you only to the plans offered by that insurer. If you wish to compare plans across multiple insurance companies, you can make use of comparison websites. This allows you to compare health insurance plans in minutes and get medical ins quotes. Click here to learn more.

Despite the country’s awesome healthcare system, most Canadians still purchase private health insurance. The reason for this is simple: Medicare is not comprehensive. Many conditions are not covered and to make up for this gap in coverage, you should purchase private insurance. But if you have a pre-existing condition, you will likely be rejected for standard coverage; however, you can get supplemental insurance by taking out guaranteed issue health insurance.

What Does Guaranteed Issue Insurance Entail?

If you apply for guaranteed issue insurance, you will likely be accepted. The insurance is just as its name implies, you are guaranteed to be issued insurance if you apply, irrespective of your medical condition, age or status.

This is a sharp contrast to medically underwritten plans. The latter does not offer guaranteed acceptance and so you may be rejected, accepted or get a counteroffer.  You have guaranteed acceptance in guaranteed issue plans because they do not consider a person’s medical condition. You can still get insurance even if you have a pre-existing condition or a family history of certain diseases.

Moreover, guaranteed health insurance does not require a medical exam or blood test. Visit Insurdinary to find out more.

 Losing Employee Health Insurance?

Guaranteed issue insurance may be your go-to insurance if you are losing your employee health insurance plan. This may occur when you are losing your job or retiring; in this case, you need a group conversion plan. Group conversion plans are suitable for people losing their employee benefits and wish to carry on with the coverage.

To get insurance in a group conversion plan, you are required to apply within 30 or 60 days of losing your job or employment. Although this plan would replace your employee health insurance, you will get lower coverage maximums, more limitations, and exclusions.

How to Choose The Best Health Insurance Plan

If you want to make the most of your coverage, you should begin by choosing the right health insurance plan. This is the same for guaranteed issue health insurance as it is for medically underwritten or standard insurance plans.

Firstly, it is advisable to acquire some basic knowledge of health insurance in Canada. Since Canada offers a universal healthcare system, it is important to know what this system entails. This will not only help you to know health insurance terminologies but you can easily spot changes in health insurance and even get a great plan easily.

It is also important to properly assess your needs before getting health insurance quotes. When assessing your needs, you should consider the needs of each member of your family. This will help you to get a guaranteed issue health insurance plan that covers everyone in your family. Click here to learn more.

Canada’s public health care system, Medicare, is obviously one of the best in the world, it offers many choices to consumers and covers many medical conditions. However, Medicare covers only medically necessary conditions but you have to take care of the rest yourself. This is why you should go for private health insurance.

Before getting health insurance, it is a good practice to ask for a quote. The insurance quote will show you the cost and services available in the policy and you can even compare the quotes to choose the best coverage. With the advent of the internet, it is easier now more than ever to get and compare private health insurance quotes online and choose the right coverage. Read on to learn more.

A System With 13 Compartments

Canada has 13 jurisdictions (10 provinces and 3 territories). Each jurisdiction determines the medical conditions that are covered by its provincial health system. Although all provinces and territories cover only medically necessary conditions, conditions that are classified as medically necessary in one province may not be medically necessary for another province.

However, medical conditions like medically-required eye exams, oral surgeries performed in a hospital, laboratory services, and orthodontics may be covered by most provinces but routine dental care, cosmetic surgery, prescription drugs, vision, and dental care, podiatry, etc are not covered.

Knowing the gaps in your provincial plan will help you to choose the right coverage. Visit Insurdinary to find out more.

Factors Affecting Insurance Premiums

Several factors affect the cost of insurance. While some of these factors may be within your control, a lot of others are not. Factors like tobacco use, obesity or excess body weight, stress, and physical fitness are within your control, while other factors like age and pre-existing conditions are not.

If you wish to lower the amount you pay in insurance, it is pertinent to work on these factors, especially those that are within your control. For instance, you can quit cigarette smoking or sign up for some fitness programs to lose weight.

How to Get Private Health Insurance Quotes Online

The first step in getting private health insurance quotes online is to shop around. There are lots of insurance providers in Canada offering insurance quotes and you can easily find them online. Shopping around will make it easy for you to compare quotes offered by various companies and choose the best option.

It is also important to provide the insurance company with accurate personal details such as your age, weight, and height and to read the terms and conditions carefully. You need to zone in on the pre-existing condition clause and be sure that you meet every single requirement. Click here to learn more.

Canada has a wonderful healthcare system. In fact, Canada’s universal health care system is considered to be one of the best in the world. Anyone, including citizens and permanent residents, can access the public healthcare for free. But the public health care is not really free, it is funded by Canadian taxpayers. As wonderful as public healthcare is, most Canadians still prefer to sign up for private health insurance in Alberta.

If you are wondering what makes private health insurance better than public healthcare, read on to learn more.

Canada’s Public Health Care

The government-funded healthcare in Canada is administered by each province and territory. Healthcare in Canada is available to everyone irrespective of their income. However, it does not offer comprehensive coverage. In fact, only “medically necessary” conditions are covered by government-funded healthcare in Canada.

Furthermore, conditions that are considered to be medically necessary may vary from province to province. For instance, health insurance Alberta known as Alberta Health Care Insurance Plan (AHCIP) may cover some optometry services provided they are administered in the province. AHCIP also covers hospital visits and stays, psychiatrist visits, oral and maxillofacial surgery services, etc. However, it does not cover routine dental care services, prescription drug services provided in non-hospital settings, non-medically required surgery, vision care, etc. Visit Insurdinary to learn more.

Private Health Insurance in Canada

Since the public healthcare plan only covers medically necessary conditions, you may need to take out private health insurance if you need additional coverage. Private health insurance Alberta is provided by several insurance companies in the province, you can shop around and compare policy options before choosing an insurer.

The major difference between public and private health insurance is the conditions they cover. Private health insurance is simply an extension of the public plan. For instance, you can access coverage for non-medically required surgery, vision care, dental care, prescription drugs, etc.

Furthermore, you may also be able to access better and faster services with private health insurance. For example, the waiting period for diagnostic tests takes up to 47 days for public health care but you only have to wait for about 8 days if you have private health insurance.

Rather than paying a lot of money out of pocket, you can save costs by taking out private health insurance in Alberta. Although you still have to pay premiums in private health insurance, the amount you will pay in premium is usually less compared to the cost of treating serious medical conditions. Click here to learn more.