I’m healthy, why should I invest in medical insurance now?

You may be in good health now, but the cost of medications is rising, as is your risk of illness or injury.

Unlike a group employer sponsored health plan, an individual health plan is medically underwritten. This means a health questionnaire is required. Any pre-existing conditions will not be covered.

Apply for medical insurance now while you are in good health, so when an illness or injury happens you’ll be covered.

Do I qualify for medical insurance?

Everyone’s situation is unique. You may qualify and your spouse or children may not depending on their prior health history.

Pre-existing conditions will not be covered, but they may not disqualify you from the plan entirely. Contact our office to discuss your unique situation.

What does a health plan cover? What are the benefits?

A personal health plan can be tailored to your specific needs and price range. The coverage depends on your prior health history, family demographics and individual needs. Key components include:

  • Prescription medication
  • Travel insurance
  • Massage
  • Dental coverage
  • Semi-private hospital accommodation

Learn more about the health insurance plans we offer.

Can I afford the health coverage? What does it cost?

Health plans can be tailored to your specific needs and price range. Pricing is based on different age ranges, plan benefits and family demographics. For example, a family of 4 will pay $3.50-$6.50/day depending on age of parents. For self employed individuals these health plans are tax deductible. Contact your tax advisor to find out if you’re eligible.

I already have a group health plan, why do I need coverage?

An employer or association based health plan can be a great bonus. However in most cases the benefits are short lived and tied to your employment or membership in a particular association.

My children are coming off of my group health plan after high school, do they have the option for coverage?

Every group health plan is unique. Generally, children can stay on a parent’s group plan until age 25 as long as they are attending some form of post secondary schooling.

Individual health plans are available to older dependents without coverage now.

I have coverage with my credit card, is that enough?

Many people are unaware that most credit cards have coverage limits, along with pre-existing condition clauses. Check with the credit card company and find out exactly what is covered – and what isn’t.

Take a look at our Pacific Blue Cross Health Insurance options and build the plan that’s right for you.