# Thursday, February 28, 2019
                 
Have you ever wondered what sort of coverage is actually offered via private health insurance plans in Canada? In this article we take a look at the types of coverage that private health and dental insurance plans offer, as well as how these coverages relate to public Canadian healthcare plans. There are also links to more detailed articles about specific types of coverage for those people who really want to dive into the realm of private Canadian health insurance!
posted on Thursday, February 28, 2019 4:11:58 PM (GMT Standard Time, UTC+00:00)  #   
# Thursday, May 31, 2018
                 
Massage therapy is one of the most popular extended health insurance benefits. Not surprising, really, seeing how a massage feels great and is so relaxing. But what sort of massage therapy coverage is available via Canadian healthcare and private health insurance plans such as employee benefits and individual health insurance? Read on to find out more!
posted on Thursday, May 31, 2018 6:24:14 PM (GMT Daylight Time, UTC+01:00)  #   
# Tuesday, August 1, 2017
                 
Employee benefits are something that job applicants often look at when deciding whether or not to take a job offer. But what questions should be asked of a potential employer? Read on to find out what we, as experienced insurance brokers, think are the top questions that should be asked by employees regarding group insurance benefits.
posted on Tuesday, August 1, 2017 9:16:16 PM (GMT Daylight Time, UTC+01:00)  #   
# Thursday, January 26, 2017
                 
In this article we examine what the phrase "health insurance" actually means. We first highlight the difference between government-managed healthcare systems and private health insurance. We then compare and contrast the two types of health insurance available to Canadians: employee benefits and individual health insurance plans.
posted on Thursday, January 26, 2017 6:50:33 PM (GMT Standard Time, UTC+00:00)  #   
# Thursday, January 21, 2016
                 
When Canadians think of health insurance one thing that usually does not come to mind is travel insurance protection. Yet many Canadian health insurance plans do offer some levels of travel medical benefits, depending on the type of health insurance and the carrier that is offering the plan. Read on for further details.
posted on Thursday, January 21, 2016 8:27:11 PM (GMT Standard Time, UTC+00:00)  #   
# Wednesday, November 25, 2015
                 
There are two main types of individual health insurance plans available in Canada: medically underwritten and guaranteed issue health insurance plans. But what are the main differences between the two, and what type of personal health insurance plan is suitable for you? Read on to find out the answers to these and more questions.
posted on Wednesday, November 25, 2015 6:09:36 PM (GMT Standard Time, UTC+00:00)  #   
# Tuesday, September 22, 2015
                 
Catastrophic benefits offer coverage for prescription drugs, durable medical equipment, home care and nursing services. Benefits commence only after the maximums for a given health insurance plan are reached, and coverage is designed to protect insured Canadians from a catastrophic financial situation due to illness or accident. Read on for more information.
posted on Tuesday, September 22, 2015 7:52:12 PM (GMT Daylight Time, UTC+01:00)  #   
# Monday, August 24, 2015
                 
Canadian disability insurance 101 here! We discuss the two main DI types (short-term and long-term), along with disability insurance providers (i.e. DI sources). We also touch upon first, second and third level payers and how they tie into "all sources maximum".
posted on Monday, August 24, 2015 8:13:30 PM (GMT Daylight Time, UTC+01:00)  #   
# Monday, June 8, 2015
                 
Many seniors reach a point where they can no longer carry out all of their daily living activities. This is when homecare services become important, since they allow the elderly to continue living in their own home with dignity. But do health insurance plans offer coverage for home care and nursing? Read on to find out!
posted on Monday, June 8, 2015 6:09:57 PM (GMT Daylight Time, UTC+01:00)  #   
# Tuesday, March 10, 2015
                 
Sometimes employee benefits can be outside of a company's operating budget. Does this mean that health, dental and drug coverage is not possible for those employees? The answer to this is "no"! Read on and use these helpful tips to reduce your group insurance premium costs.
posted on Tuesday, March 10, 2015 6:31:28 PM (GMT Standard Time, UTC+00:00)  #   
# Friday, January 9, 2015
                 
Chiropractic has come a long ways since it was first practiced over 100 years ago. Chiropractors can often treat the cause of a physical ailment, as opposed to just treating that condition's symptoms. And more good news: Canadian health insurance plans provide chiropractic coverage! Read on for more information.
posted on Friday, January 9, 2015 8:40:28 PM (GMT Standard Time, UTC+00:00)  #   
# Friday, March 8, 2013
                 
Retirement is something that many of us look forward to. However, what is often overlooked is continued medical benefits. Many times retirees will have some existing medical conditions which they want to get coverage for, and in many cases a group conversion plan fits the bill!
posted on Friday, March 8, 2013 8:08:00 PM (GMT Standard Time, UTC+00:00)  #   
# Thursday, January 31, 2013
                 
Companies (especially small to medium size business, or SMBs) should consider personal health insurance plans as a cost-effective alternative to traditional employee benefits when it comes to offering workers health and dental benefits.
posted on Thursday, January 31, 2013 7:51:34 PM (GMT Standard Time, UTC+00:00)  #   
# Thursday, June 21, 2012
                 
We are very happy to announce the launch of a new group insurance product from Wawanesa Life called Diversity. Companies that have 3 to 9 employees can now get instant Diversity quotes online. No more going back and forth with a broker regarding employee information. No more waiting for your quotes for weeks on end.
posted on Thursday, June 21, 2012 4:17:20 PM (GMT Daylight Time, UTC+01:00)  #   
# Wednesday, December 8, 2010
                 
It is widely known and well proven that employees who feel like their employer cares about their future and retirement are happier and more productive members of the workforce. Probably the most direct and profound measure of this is the retirement plan. Pensions and Group RRSP’s have and continue to be the cornerstone of industry for attracting and retaining a quality workforce. Still only 38% of working Canadians are members of a group retirement savings plan because small business think it is too complicated or expensive to be involved in a Pension or Group Savings plan.
posted on Wednesday, December 8, 2010 1:25:23 AM (GMT Standard Time, UTC+00:00)  #   
# Tuesday, October 19, 2010
                 
HealthQuotes.ca has developed several key strategies for dealing with benefits for the Canadian arms of both large America companies and multinational firms.
posted on Tuesday, October 19, 2010 1:10:44 AM (GMT Daylight Time, UTC+01:00)  #   
# Friday, June 19, 2009
                 
Many Canadians have group health insurance which is provided by their employer. These insurance plans cover health costs which are not covered by the employee's provincial health insurance plan. This can include such expenses as dental care, vision care, prescription medications, etc. Depending on the group health insurance plan your employer provides, expenses such as physiotherapy, chiropractor, and speech therapist can also be covered, either partially or entirely.

Group health insurance is available for any business that has a minimum of 2 employees. This can be an easier and less expensive option to individual health insurance, as there may be less medical questions asked in order to qualify for health and dental benefits. Long term disability may also be included in a group plan; typically there is a 120 day waiting period for this benefit. However, individual long term disability coverage can be acquired with a typical waiting period of between 30 to 90 days, depending on the plan.

LTD insurance insures that a person will have an income if a sudden illness/accident prevents the insured person from working. It is designed to protect against the sudden loss of income, which for most Canadian families, can be financially devastating. Disability insurance pays a monthly benefit while the injured and/or ill person cannot return to work; this differs from critical illness insurance, which pays a lump sum even if the person returns to work.  Disability insurance is available for either long-term or short-term; it also is available on a guaranteed issue basis. Guaranteed issue disability is currently only available to residents of Ontario; however HealthQuotes.ca is working on expanding this coverage for other Canadian residents. Four questions are asked for this coverage:

•    Are you currently disabled?
•    Are you currently hospitalized?
•    Do you have cancer?
•    Are you HIV positive?

If the answer to these 4 questions is no, then enrolment in this LTD coverage is guaranteed, regardless of any other health concerns and/or issues.

Having this type of insurance coverage can be especially important during this tough economic recession. For those families that are living paycheck to paycheck, any loss of income can be disastrous for their financial well-being. An unexpected illness or injury can financially cause a family to suddenly not be able to pay their mortgage, car payments, etc. as well as big expenses such as university tuition.

Closely read your employee benefits package to see whether or not Long Term Disability insurance is included, and if so, how much you are covered for. Examine your monthly expenses and how much money is needed every month to adequately support your family. If you are not fully covered should an accident/illness occur, you may want to purchase more LTD coverage. A consultation with your insurance broker is usually free, so it won’t cost anything to ask questions if you are unsure about what type of health insurance coverage you have, and whether or not it is suited for your current needs.

posted on Friday, June 19, 2009 4:35:05 PM (GMT Daylight Time, UTC+01:00)  #   
# Thursday, June 1, 2006
                 

Small Business Employee Benefits

Maximizing Your Profit Potential

By offering a comprehensive benefits package, you can attract the best employees for your business. Group benefits play a large role in whether a qualified potential employee accepts your employment offer.

Employee benefits can also help ensure that your employees enjoy a long and productive career. Statistically, employees that are happy and satisfied in the workplace tend to be more productive and have fewer absences. Happy employees are also very reluctant to leave their place of employment, thus ensuring a long-lasting career in which both employer and employee enjoy a mutually beneficial relationship.

HealthQuotes.ca offers a variety of comprehensive employee benefit packages to suit your insurance needs. You can obtain no cost assistance in purchasing group insurance from over 10 leading Canadian insurance companies such as:
 
- Manulife Financial
- Empire Life
- Blue Cross
- Great West Life
- Desjardins Financial
- RBC
- Standard Life
- The Cooperators
 
A full range of health, dental, drug and LTD benefits are available nationally, and quotes can be obtained usually within 24 hours.

posted on Thursday, June 1, 2006 12:30:16 AM (GMT Daylight Time, UTC+01:00)  #   
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