# Monday, 08 August 2016
                 
There is a special type of health insurance called "conversion health insurance" that is designed for people who have just lost their employee benefits coverage. There are no medical questions and acceptance is guaranteed, even if you have pre-existing health conditions that need to be covered. If you are retiring or have lost your job you might want to consider one of the these conversion plans!
posted on Monday, 08 August 2016 21:24:12 (GMT Daylight Time, UTC+01:00)  #   
# Wednesday, 25 November 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, 25 November 2015 18:09:36 (GMT Standard Time, UTC+00:00)  #   
# Friday, 08 March 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, 08 March 2013 20:08:00 (GMT Standard Time, UTC+00:00)  #   
# Tuesday, 24 July 2012
                 
This blog article discusses diabetes: what it is; various ways to treat it; and purchasing a health insurance plan to cover the costs of testing kits, glucose monitoring equipment and other durable medical supplies.
posted on Tuesday, 24 July 2012 19:01:52 (GMT Daylight Time, UTC+01:00)  #   
# Friday, 17 December 2010
                 
If you are thinking about buying health insurance and have pre-existing conditions it is important that you speak with a HealthQuotes.ca advisor. In many cases families will have members that use medication regularly while other family members have no pre-existing conditions.
posted on Friday, 17 December 2010 20:37:48 (GMT Standard Time, UTC+00:00)  #   
# Saturday, 16 June 2007
                 
Visioncare for Seniors

As we get older, it is normal to experience change in our eyesight. With age often comes difficulty reading small print, increased sensitivity to sunlight, difficulty seeing colors and contrasts, and loss of depth perception. You may also have physical symptoms such as dry eyes, or watery eyes.

It is important to be aware of these changes, and to have your eyes examined regularly to detect any potential problems early on. With the proper care, most age-related vision loss can be corrected with glasses, medication and/or surgery.

For seniors experiencing more serious vision related conditions, vision aids and/or services and support can allow them to maintain their independence and allow them to remain living in their own homes.

Just some of the vision-related symptoms that seniors often experience include:

  • Squinting, greater sensitivity to light
  • Choosing bright objects over dull colored, because it's easier to see
  • Spilling food or drinks because you misjudge where it is
  • Difficulty copying from written text
  • Clumsiness due to not being able to see what you are doing, i.e. buttoning a shirt
  • Experiencing flashes of light or rapid movement from the corners of your eyes
  • Difficulty with night driving, as well as problems seeing street signs or traffic signs
  • Experiencing uncontrolled eye movements
  • Falling due to not being able to see objects in your path

In addition to normal vision changes due to aging, several diseases or conditions can also affect eyesight. Common illnesses include:

  • Glaucoma: occurs when pressure within the eye begins to destroy the nerve fibres in the retina. Early detection and treatment includes eye drops, medication and/or surgery. Because most people do not experience early symptoms, regular eye exams are imperative in order to prevent vision loss and/or blindness.
  • Diabetic retinopathy: diabetes can cause changes to the blood vessels, starving the retina of oxygen, causing cloudy vision, seeing spots, and blindness. People with diabetes need to make their eye specialist aware of their condition in order to prevent possible blindness. 
  • Cataracts: gradual clouding of the lens of the eye, which prevents light from successfully reaching the retina, making tasks such as driving or reading incredibly difficult and/or impossible. Can be successful treated with surgery.
  • Age-related macular degeneration: occurs when the macula is damaged or impaired due to aging. It can cause permanent loss of central vision. Early detection and laser surgery can vastly slow down vision loss.
  • Floaters: tiny spots that float across your field of vision. While this is normal, and can  be shifted out of your central vision by moving the eye around, it can also be symptomatic of a more serious eye disease. Obtain immediate treatment if there is a sudden change in the amount or type of spots, or if you experience light flashes.

As many seniors will experience some vision related problems at some time in their life, it is important to have coverage that will help cover these expenses. Most of these costs are covered through employee benefits, which normally cease after retirement. HealthQuotes.ca offers a FollowMe health plan, which requires no medical examination if applied for within 60 days of discontinued group insurance. This coverage can help defray the costs of vision related treatment, laser surgery, and/or glasses.

We also offer other guaranteed issue health insurance plans (i.e. no medical exam or questions) for those seniors who have medical issues but have not recently lost employee benefits.

Your vision is essential to your well-being, happiness, and continued independence, so make sure you have the visioncare coverage you need!
    

posted on Saturday, 16 June 2007 13:24:20 (GMT Daylight Time, UTC+01:00)  #   
# Friday, 24 February 2006
                 

Often times people have pre-existing conditions, which are not normally covered by standard personal health plans.

When there are existing medical conditions you have two options:

  1. Apply for a standard health insurance plan that will exclude the specific, pre-existing condition (everything else will be covered).
  2. Get a guaranteed issue health insurance plan that will then cover the pre-existing condition.

If you want to apply for a standard health plan just indicate the nature of your condition in the application's medical questionnaire. What then happens is the insurance company's underwriters look at the application and either reject it or make a counter-offer that does not include coverage for the existing condition.

Your other option is a guaranteed issue health plan. The one thing about these plans is that the coverage is limited, with maximums set for benefits. However, many times a guaranteed issue health plan will pay out immediately for the given existing condition (e.g. test strips and syringes for diabetics, etc.). In addition there are valuable core benefits for things like medical practitioners (e.g. physiotherapists, etc.), as well as dental and prescription drug coverage ( depending on the plan).

The following lists guaranteed issue health insurance plans:

  • FlexCare ComboPlus Starter Plan: core benefits (e.g. physiotherapists, home care, nursing, etc.), dental, vision care and drug coverage.
     
  • FlexCare DentalPlus Basic and Enhanced Plans: core benefits like vision, extended health care (e.g. nursing, home care, etc.), and dental insurance (does not come with prescription drug coverage).
     
  • FollowMe: personal health insurance for those who have lost or discontinued their employee benefits (i.e. group insurance). No medical questions are asked if you apply within 60 days from your group insurance termination date. If you are interested in a guaranteed issue health insurance then please call us at 1-800-474-4474.
     
  • Blue Vision Express Plan: core benefits for prescription drugs, routine dental costs, paramedical coverage (e.g. psychologists, physiotherapists, etc.) along with optional dental coverage.
     
  • Sonata Core Plan: coverage for prescription drugs, vision care, paramedicals as well as optional travel, major dental and hospital accommodations.

Feel free to get as many instant quotes for "no medical" health insurance plans as you'd like! You can also contact us if you have any questions. We are nationally licensed health insurance brokers and we are here to help!

posted on Friday, 24 February 2006 20:33:13 (GMT Standard Time, UTC+00:00)  #   
# Thursday, 05 January 2006
                 

Often times health plans require a medical questionnaire to be filled by the applicant, and when the application is submitted to the insurance carrier it goes through what is called "underwriting". The medical history of the applicant (and any other insured family members) is examined, and the policy is either issued or declined. If declined a counter offer may be issued by the carrier, which can then be accepted or declined by the applicant.

The medical questionnaire requirement also depends on the type of insurance being applied for. Employee benefits traditionally do not require a medical, while individual health plans do.

However, there are several guaranteed issue personal health plans that do not require medical questionnaires:

You can compare instant quotes online for the health and dental plans mentioned above, or call us toll-free at 1-800-474-4474 if you would like more information.
 

* Please note that all plan names are the (registered) trademarks of their respective insurance companies.
 



posted on Thursday, 05 January 2006 16:44:00 (GMT Standard Time, UTC+00:00)  #   
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