Find your perfect plan!
The process is very easy.
We guide you through a series of questions designed to address the most common issues when choosing a Health Benefits plan.
By answering these questions, we can determine the insurance plan that best suits your needs
Once you're done, we will email you the list of medical benefits plans that are best for you.
If you aren't sure about a question, click the for more information
About You
1 - To help us narrow down the # of plans that would be suitable for you, please check one of the following that best applies to you.
Why are we asking this?
Some health plans require proof of good health to be approved for coverage. These types of plans often provide coverage with exclusions for treatment for pre existing conditions.Some plans do not ask any medical questions and offer guaranteed acceptance. Some plans do not require medical evidence if you were recently covered by an employer sponsored group benefit plan.2 - Age of primary applicants
Why are we asking this?
Insurance rates are age dependent. Age will determine eligibility for some plans.
3 - Age of any dependent children to be covered. (click once for each child)
Select each one that applies.
Why are we asking this?
Insurance rates are age dependent. Age may determine eligibility for some benefits4 - Plan duration-Do you require a plan that provides coverage past age 75?
Why are we asking this?
Some plans expire at age 75.5 - Pricing (Single, Couple, Family - All Inclusive)
Why are we asking this?
To obtain optimal pricing indicate single=1 person; couple = 2 people; family = 3+6 - Province of residence
Why are we asking this?
Each province is responsible for its own public health plan coverage and applicable taxes etc resulting in subtle differences of coverage levels and rates from province to province.7 - Are you either a business owner or operating your own business?
Why are we asking this?
Owners & operators of incorporated businesses may be eligible for a Private Health Spending Account (HSA) enabling you to pay plan premiums and other eligible health care & dental expenses from corporate pre tax income vs with personal after tax income.
Prescription medications
1 - Need for prescription medication coverage
Why are we asking this?
Medications can be costly and are critical for maintaining good health, controlling medical conditions, and recovering from illness.2 - For Alberta residents: Do your average household prescription drug costs exceed $2000 per year?
Why are we asking this?
Alberta residents have access to a subsidized guaranteed issue prescription drug plan through Alberta Health Services. Ask us for more information.
Health Practitioners & Vision
Do you want these practitioners included in your plan? (1 - least important, 5 - most important)
1 - Health & Medical Practitioners - Psychologist, Chiropractor, Physiotherapist, Speech Therapist, Podiatrist, Naturopath, Accupuncture, Massage Therapist)
Why are we asking this?
Health professionals play a critical role in improving access to quality health care. They provide essential services that promote healthy lifestyle, prevent diseases and deliver health care services based on the primary health care approach.2 - Eye Exams, Glasses, Contact Lenses & Corrective Laser Surgery
Why are we asking this?
An outdated eyeglass prescription can cause unnecessary stress on your eyes, head aches, squinting and even neck aches. Less than precise vision can also present serious safety issues while driving or operating equipment. Eye exams can detect early signs of diabetes and cancer.
Medical supplies
How important are these? (1 - least important, 5 - most important)
1 - Diabetic supplies and equipment
Why are we asking this?
Diabetes is a chronic condition that affects all ages. If this is not controlled, diabetes results in high blood sugar levels which can lead to serious conditions such as vision loss, cardiovascular disease, nerve damage, amputation etc. Some of the supplies needed for diabetic care are syringes, needles, lancets and testing strips.2 - Hearing Aids
Why are we asking this?
54% of Canadians have had some type of hearing loss in the high frequency range. Hearing aids may have to be replaced anywhere from 3 to 7 years and can cost in excess of $1500.3 - CPAP Machines
Why are we asking this?
CPAP machines treat sleep apnea by providing a stream of oxygenated air while you sleep helping to prevent pauses & interruptions in your breathing. Symptoms include snoring, morning headaches, insomnia, hypersomnia and irritability Starting costs are usually in excess of $500 and as much as $20004 - Orthotics
Why are we asking this?
Shoe devices that are molded pieces of material to insert into your shoe to keep your foot in a neutral position. These may help with fallen arches, long days of standing on the job, diabetes to name a few issues.5 - Other durable equipment & medical services
Why are we asking this?
When sent home from the hospital with an illness or injury you may need help with recovery. These may include such equipment as wheelchairs, crutches, ramps, hospital beds, etc.6 - Private/ Semi-Private Hospital Room
Why are we asking this?
Some patients may prefer to have more privacy while recovering in the hospital. Some plans may offer hospital cash built into this benefit if access to a private or semi private room is not available.7 - Plan Design Flexibility
Why are we asking this?
This gives you the ability to upgrade or customize your programs which best suit your needs.
Emergency services
Rank how important these items are to you. (1 - least important, 5 - most important)
1 - Dental Accident
Why are we asking this?
Accidental trauma to your teeth requires immediate attention and often emergency surgery. Resulting costs can be in the tens of thousands requiring financing in the absence of adequate coverage or emergency funds in place.2 - Ambulance Land & Air
Why are we asking this?
This is a common misconception that Provincial health care will cover. This cost would actually come out of your own pocket. Ambulance land transfer is approximately close to $400 and air may start around $5000 and up.3 - Home Nursing
Why are we asking this?
As hospitals discharge patients early this provides registered or licensing nurse for your home care.
Dental
What kind of dental coverage do you want? (1 - least important, 5 - most important)
1 - Basic dental (preventative & cleaning recalls, minor restorative)
Why are we asking this?
Regular dental checks will prevent issues before they become a problem, such as cavities, tooth decay & gum disease. Dentists will regularly check for symptoms of oral cancer as well. A dental plan for you and your family will help budget and reduce large unexpected bills for this important expense.2 - Restorative (endodontics & periodontics)
Why are we asking this?
This includes advanced dental work such as root canal therapy, dental surgery, treatment of gums, bone and connective tissue.3 - Major Dental - crowns/bridges/dentures/implants, etc
Why are we asking this?
Covers costly restorative dentistry to replace missing teeth and empty spaces.4 - Orthodontic
Why are we asking this?
Helps to budget & offset large orthodontic bills for you or your family. Most suitable for a minimum of 2 or more family members requiring orthodontic treatments. (HSA options are available and more preferable for business owners)
Add-ons & Perks
1 - Emergency Travel Coverage
Why are we asking this?
Helps cover the Insured with hospital or physician services and medical costs while you are in another province or country.2 - Perks: Medical Second Opinion / Discount Vision / Employee Assistance Plan (EAP), Loyalty/Reward Program
Why are we asking this?
Discounts on value added on services and well being. EAF - such as lawyers and psychologist services.3 - Hospital Cash
Why are we asking this?
This is a daily dollar allotment, which could go towards costs of private/semi private rooms or other hospital expenses.You're all done!
Based on your answers, we can now use our proprietary algorythm to determine your best Health benefits plan.
Please enter your email address below and we'll send you a breakdown of the health benefits plans that would best suit you.