Dental And Health Insurance Packages - Think of health insurance as something to protect your health and your budget. It covers expenses incurred for routine health care, routine dental care, illness and injury that are not covered by provincial or territorial health insurance.
Your particular needs and circumstances, as well as your budget, will help you determine the type and amount of coverage that is right for you. You can find flexible options that allow you to fully customize a health insurance policy that meets your needs. They are easy to buy and easy to manage and most importantly, easy to understand.
Dental And Health Insurance Packages
There are two main types of supplementary health insurance that you can choose from. They help you pay for expenses that regular insurance doesn't cover, or share the cost with other insurance plans you may have. If you're a gig worker, freelancer, or self-employed -- which is about one in three Canadians these days -- you may especially need supplemental insurance. Depending on the type of coverage you are applying for, you may be required to answer a medical questionnaire at the time of application. Flexcare by Manulife
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If your situation is that you were previously covered by employment insurance but have lost your benefits through quitting your job, job loss, or retirement, you may qualify for insurance that essentially continues your coverage ( but not necessarily with the same benefits). With this type of insurance, like Manulife's FollowMe™ plans, you are guaranteed coverage and there are no medical questions at the time of applying. You'll need to apply for coverage and pay your top premium within a certain amount of time after you lose your work benefits—with Manulife plans, that's 90 days.
There are some eligibility requirements for health insurance. You must be over the age of 18, a resident of Canada, and already covered by a provincial or territorial health plan. You can also cover your spouse and dependent children who are under 21 and not employed. You can't buy insurance for someone else, like your parents, but you can pay premiums for them if you want.
Many expenses, some of which can amount to many hundreds of dollars a year, can be covered by health and dental insurance. These include things like:
You can tailor your coverage to suit your needs and budget. For example, you may need coverage for drugs but not dental care, or for dental care but not drugs, or you may need a plan that covers both. Typically, insurance companies will offer several types of coverage packaged as one plan. For example, Flexcare from our Manulife
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Combo plans offer drug, dental, vision, and travel coverage, while Manulife FollowMe™ plans offer drug, vision, hospital coverage for a semi-private room, and extended health care. Some FollowMe™ plans also include dental care, but travel insurance must be purchased separately. There are many options to choose from.
Plans often include accidental death and dismemberment (AD&D) coverage as well as a survivor benefit. With AD&D, the policyholder receives a payout if they are dismembered in an accident. If an adult covered by the policy dies in an accident, the survivor's benefit provides one year of continued insurance without premiums for the remaining persons covered by the policy. These types of plans can help you protect those you love should something happen to you.
Some types of coverage can be purchased as standalone plans. For example, if your plan doesn't include travel, catastrophe insurance, or hospital coverage, you can purchase them as standalone plans. Catastrophic drug coverage offers unlimited drug coverage once you've paid a certain amount in annual drug costs, while hospital coverage provides a semi-private or private room if you're hospitalized.
Many health insurance policies provide more than just coverage – there are non-insurance benefits as well. For example, you may obtain telephone or virtual health care services that provide 24/7 access to health care professionals, upon request, who can provide services such as prescriptions, mental health care, diagnoses, and referrals.
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Many insurance companies now offer wellness programs alongside their insurance plans, which can help you and your family on a healthier path. For example, Manulife offers our Vitality Program, where you create a member profile and can track daily activities like walking the dog or going to the gym. Or you can complete nutrition courses online to earn points that can be used for rewards or even reduce your rewards.
When deciding which coverage is best for you, you should consider a few things, such as:
You'll also need to balance your needs against your budget, so you'll want to look into things like the percentage of health and dental costs covered, the size of the deductible (how much you pay out-of-pocket before coverage kicks in) , as well as the types of expenses covered.
Life is full of ups and downs, so if your circumstances change, you may want to change the coverage on your policy. You can increase the coverage of an existing policy by submitting a written application with updated medical information. Or you can reduce your coverage if you have been covered by existing benefits for at least 12 consecutive months. If you are having major life changes such as getting married or having children, you can add your spouse or child to your coverage.
Student Health Insurance Plan
It is important to read and understand the policy and benefits schedule so that you know what is covered, what is not covered, and the limits of coverage. Once you reach the maximum annual coverage limit for an expense, you must pay out of pocket for the following year. And some expenses are subject to lifetime caps, which are the maximum dollar amounts your insurance company would pay out in your lifetime for nonessential health care like orthodontics or fertility treatments.
Keep in mind that the year for many benefits is the anniversary year of the policy, not a calendar year, so if you took out your policy in March, your benefits will last for one year until next March. This is important to remember so you can get the most out of your health insurance, especially the benefits of preventive health care. Set reminders to make regular doctor and dentist appointments, and make time to see your massage therapist, chiropractor, or other health care professional. Consider enrolling in wellness programs and save time and effort by using virtual health services.
Equally important to understand is what happens when there are multiple policies. While you can't have more than one private health insurance policy from the same insurer, some of your expenses may be covered by other sources, such as another health insurance policy, your spouse's policy, or car insurance, or of the credit card. In this case, the amount of eligible expenses covered by the province or territory will be paid first and payment of the remaining eligible expenses will be coordinated among the other insurers. Your policy will outline how this works: Sometimes one insurer will pay the full amount, and sometimes it will be split between your insurers.
In many cases, your pharmacist, dentist or healthcare professional will send your application directly to you, which means there are no online forms or paperwork for you. Otherwise, you can submit your claim online or in the mail within 12 months of the date you were charged and after you've paid more than any deductible in your plan.
Health & Dental Plans For Individuals Explained
You can apply for Manulife Health and Dental Insurance online at or by phone at 1-877-COVER-ME. You should have a list of your medications handy, and if you request a plan that requires a medical questionnaire, you will be asked about your medical history and contact information for your doctor. If you request FollowMe™, you will need information about the benefits of your previous group.
Health insurance can help you feel comfortable when it comes to expected and unexpected medical expenses, as well as help you manage your budget for them. It can also improve your well-being and quality of daily life.
If you already have a plan with us and have questions or want to make a complaint, you can give us a call: Let's face it: getting dental work done can be expensive. Even the simplest cleaning can make a dent in your wallet. Having comprehensive dental insurance can be the difference between putting off important oral care or living with gum disease or a mouthful of tooth decay. However, due to the way some policies are designed, you may be limited in the work you can get done.
Some people put off treatment because their insurance doesn't cover treatment at all, while others do so because they have used up their maximum coverage for the year. However, most people agree that having some coverage is better than none. So how do you get started? Here are four important steps to take when buying dental insurance to avoid finding yourself with unexpected expenses.
Blue Shield Health Insurance Coverage
Dental insurance offers you coverage to help pay for certain dentist appointments
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