# Monday, 14 January 2019
                 
Durable medical equipment such as wheelchairs, crutches and canes oftentimes plays a critical role when recovering from an accident or debilitating illness. However, these medical devices can be very expensive to buy or even rent, and many Canadians (mistakenly) believe that their public healthcare plan will cover these costs. This is where private health insurance such as employee benefits and individual health insurance comes into play! Read on to find out more.
posted on Monday, 14 January 2019 14:53:08 (GMT Standard Time, UTC+00:00)  #   
# Thursday, 23 August 2018
                 
Physiotherapy often plays a crucial role when recovering from a debilitating accident or illness. And in many cases, physiotherapy costs are not covered by your provincial healthcare plan. Read on to find out how much coverage for physiotherapy can be obtained via Canadian health insurance plans (employee benefits and individual health and dental).
posted on Thursday, 23 August 2018 15:57:11 (GMT Daylight Time, UTC+01:00)  #   
# Thursday, 31 May 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, 31 May 2018 18:24:14 (GMT Daylight Time, UTC+01:00)  #   
# Wednesday, 13 December 2017
                 
Many Canadians have health insurance coverage that offers some form of dental benefits. Unfortunately, too many of us do not use all of our available dental insurance benefits, thereby leaving our "dental dollars" on the table. Use these tips to make sure you squeeze everything that you can out of your dental plan!
posted on Wednesday, 13 December 2017 16:01:46 (GMT Standard Time, UTC+00:00)  #   
# Thursday, 26 January 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, 26 January 2017 18:50:33 (GMT Standard Time, UTC+00:00)  #   
# Thursday, 06 October 2016
                 
HealthQuotes.ca has been helping Canadians get health insurance coverage for over 25 years now. Along the way we've seen or heard about various mistakes that Canadians can inadvertently make when it comes to healthcare and health insurance. Why not leverage our experience and expertise?
posted on Thursday, 06 October 2016 20:40:22 (GMT Daylight Time, UTC+01:00)  #   
# 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)  #   
# Friday, 20 May 2016
                 
All personal health insurance plans have coverage for durable medical equipment such as wheelchairs, walkers, mobility devices, diabetic supplies and more. But how much coverage exists, and from what individual health insurance plans? Read on to find out.
posted on Friday, 20 May 2016 19:33:32 (GMT Daylight Time, UTC+01:00)  #   
# Thursday, 21 January 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, 21 January 2016 20:27:11 (GMT Standard Time, UTC+00:00)  #   
# 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)  #   
# Tuesday, 22 September 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, 22 September 2015 19:52:12 (GMT Daylight Time, UTC+01:00)  #   
# Monday, 08 June 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, 08 June 2015 18:09:57 (GMT Daylight Time, UTC+01:00)  #   
# Friday, 09 January 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, 09 January 2015 20:40:28 (GMT Standard Time, UTC+00:00)  #   
# Tuesday, 18 March 2014
                 
Please use these health insurance tips if you are considering getting Canadian private health insurance coverage. We have been brokers for health insurance for over 33 years: leverage our knowledge and experience!
posted on Tuesday, 18 March 2014 20:33:43 (GMT Standard Time, UTC+00:00)  #   
# Monday, 10 February 2014
                 
The Canadian healthcare system has been receiving extra scrutiny since the USA launched the Affordable Care Act. But how does the Canadian healthcare system actually work? Read on for a concise, easy-to-follow summary of the Canadian single payer healthcare system.
posted on Monday, 10 February 2014 20:22:19 (GMT Standard Time, UTC+00:00)  #   
# Thursday, 08 August 2013
                 
Confused or have questions about Canadian personal health insurance? In this article we answer the most common questions that we hear on a regular basis as insurance brokers.
posted on Thursday, 08 August 2013 19:11:36 (GMT Daylight Time, UTC+01:00)  #   
# Tuesday, 11 June 2013
                 
This blog article discusses immigration to Canada from a healthcare perspective. Canadian healthcare differs from province to province, and new immigrants should apply for provincial healthcare immediately upon arrival!
posted on Tuesday, 11 June 2013 21:06:33 (GMT Daylight Time, UTC+01:00)  #   
# 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)  #   
# Thursday, 31 January 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, 31 January 2013 19:51:34 (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)  #   
# Wednesday, 15 September 2010
                 
Medical expenses can be a huge and unexpected financial burden for Canadians. One day you are healthy and the next day you find out you may have a health issue. You may not have adequate coverage when a change occurs. Your benefits or individual plan may have gaps or restrictions that leave you vulnerable.
posted on Wednesday, 15 September 2010 01:51:35 (GMT Daylight Time, UTC+01:00)  #   
# Monday, 20 August 2007
                 

Health Insurance for Students Studying In Canada

In a few short weeks, students from all over the world will be heading to Canadian universities and colleges. As a multi-cultural country, Canada welcomes foreign students, and recognizes their contribution to our communities. If you are not a Canadian citizen, and are planning on attending a post-secondary institution here, you should be aware of what exactly is entailed.

Non-Canadian citizens will require approximately 6 months in order to gather the required documentation and information that is needed. Make sure you allow yourself the necessary time to apply for and receive your documents and permits. You will need to allot time in order to find housing, etc. You will also need to determine how much money you will need in order to cover tuition, books, housing, etc. As you will not be covered under provincial healthcare, it is advisable to also purchase health coverage.

For those who wish to continue their education in Canada, we have provided some helpful tips to help you with the process.

• You must first choose the institution you wish to attend. Every university and college has it's own admission requirements, especially regarding language capabilities. It is important that you meet these requirements and are eligible for enrolment. It is advised that you apply a year before you wish to attend. Contact the university/college that you are interested in and obtain the necessary information and application forms. You must have your proof of acceptance before you apply for your study permit.


• Once you have your proof of acceptance, you can now apply for your study permit. In order to be eligible for this permit, you will need to prove that you have enough money to cover your expenses. This includes your tuition, living expenses for you and any family members that are coming with you to Canada, and transportation between Canada and your current country of residence. You may also need to obtain a certificate from the police stating that you have no criminal record and are not a risk to Canadian security. You must be willing to complete a medical examination, if necessary, in order to prove that you are in good health. An immigration officer may want to verify that you intend on leaving Canada upon completion of your studies.

• You are now ready to apply for your study permit. You will need to find out how long it will take to process your application. You can do this by visiting the Citizenship and Immigration Canada website. This website also has the necessary forms for you to download and print. Check the List of Designated Countries to see if you also need to apply for a temporary resident visa as well as your study permit. You do not need a separate application for a visa, as a visa officer will process your application at the same time. Collect all of the documents you will need to provide, such as your proof of acceptance, proof of identity, proof of financial support and letter of explanation. Once you have all your documentation in order, submit your application to the nearest visa office. You will be required to pay a processing fee, which is non-refundable, even if your application is denied.

• Once your application is approved, you will receive a letter of introduction confirming your approval. You must bring this letter with you to show immigration officials when you arrive in Canada. If you are from a designated country in which you require a visa, the Temporary Resident Visa (TRV) will be in your passport. This indicates the expiry date in which you must arrive in Canada, and also whether or not you will be allowed to enter Canada multiple times during your stay. Make sure you bring all of your necessary documents, as you will be required to show them before admittance into Canada.

The Canadian government does not cover the medical costs incurred by foreign students. Therefore, it is strongly recommended that foreign students purchase their own health insurance coverage. HealthQuotes.ca offers several Visitors to Canada insurance plans. These plans provide coverage for foreign students attending school in Canada. To qualify, you must be a full-time student during the time of coverage. These policies cover expenses such as:

•  Hospitalization
• Physician Fees
• Medical Appliances
• Nursing Care
• Diagnostic Services
• Prescription Drugs
• Dental Care
• Ambulance

For more information about health insurance for foreign students, please contact one of our brokers.

posted on Monday, 20 August 2007 15:36:18 (GMT Daylight Time, UTC+01:00)  #   
# 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)  #   
# Tuesday, 26 September 2006
                 

Paramedicals and Health Plans

Today, people have a wide array of health care choices. With new technological and research advances, there are a wider variety of prescription drugs and treatments available for most health problems. Unlike some previous healthcare choices , new drug therapy can be very effective with fewer side effects. This, combined with other forms of therapy, can be highly effective for people suffering from pain caused by back and foot problems. 

For many health problems relating to back and foot pain, your doctor may recommend that you seek treatment from a chiropractor, chiropodist, massage therapist, podiatrist, acupuncturist, or naturopath (depending on the nature of your injury). These treatments, combined with drug therapy, can help promote healing and drastically reduce healing time. There are many effective prescription drugs that can help reduce the swelling and the pain, while treatment from a relevant health care practitioner can help resolve the underlying health issue. 

Check to see if your current health insurance plan covers these forms of treatments. For those who want to create their own unique health care coverage, we offer a "Stand-Alone" option, which is available via the Flexcare Core Plan. The Flexcare Basic Plan allows the consumer to choose coverage for such treatment options such as:

  • Chiropractor
  • Chiropodist
  • Osteopath
  • Naturopath
  • Podiatrist
  • Registered Massage Therapist
  • Acupuncturist

A medical questionnaire is required, and there is a 20 visit maximum per discipline per year limit. For those consumers who wish to purchase more comprehensive add-on coverage, Flexcare Enhanced Plan is also available.

Talk to your family physician about the new courses of treatment available, and whether they would be beneficial to you. Your doctor can usually recommend a specialist. For those who are seeking a physician see the College Of Physicians And Surgeons web site.

posted on Tuesday, 26 September 2006 16:10:53 (GMT Daylight Time, UTC+01:00)  #   
# Wednesday, 12 July 2006
                 

How To Enjoy your Retirement without Worries

Retirement should be one of the greatest joys of your life. You’ve spent the majority of your years working hard and planning for that moment when you could finally enjoy the fruits of your labor. 

However, losing your employee benefit package when you retire can leave you suddenly uninsured at a time in your life when you need that insurance the most. Fortunately, finding alternative health insurance coverage need not be a difficult, time consuming matter.

If you and your family members who are to be covered do not have any serious pre-existing health conditions, then a standard personal health insurance policy can be purchased.

For those who have pre-existing conditions, HealthQuotes.ca offers FollowMe, which is a benefit plan specifically designed for those who have recently lost their group coverage. This health insurance plan does NOT require a medical questionnaire as long as coverage is applied for within 60 days of termination of the employee benefits.

FollowMe offers four plans to choose from:

· Basic.
· Enhanced.
· EnhancedPlus.
· Premiere.
    
FollowMe offers coverage for services such as:

· Dental Services.
· Prescription Drugs.
· Vision Care.
· Hospital Benefits.
· Survivor Benefit.
· Fracture Benefit.
· Accidental Death and Dismemberment.
· Other Extended Benefits.

Call our staff of qualified insurance brokers at 1-800-474-4474 to determine what level of coverage you and your family need. Remember, your application needs to be made within 60 days of your employee benefits package.  Select the plan that suits your needs, and start enjoying retirement!

posted on Wednesday, 12 July 2006 21:39:51 (GMT Daylight Time, UTC+01:00)  #   
# Thursday, 30 March 2006
                 

People who are diabetic usually require the following supplies:
  • Insulin cases and kits (e.g. syringes, pumps, etc.).
  • Monitoring supplies for glucose levels.*
  • Testing supplies (e.g. test strips, etc.).
  • Diabetic shoes (diabetics have a high risk of serious foot problems).

Personal health insurance covers diabetic medical supplies under Durable Medical Equipment, but most plans require a medical examination.

Health plans with no medical examination that supply diabetic medical supplies are:

1. FlexCare from Manulife Financial. There are two available plan types:

a) ComboPlus Starter Plan

  • Comes with core dental, prescription drug and health coverage.
  • HomeCare and Nursing, Prosthetic Appliances, Durable Medical Equipment: maximum per anniversary year for each of these 3 categories of benefits separately, is according to the following table:
     
    Year 1 Year 2 Year 3 Year 4 Year 5
    $1,000 $1,300 $1,500 $1,700 $3,000

b) DentalPlus Basic and Enhanced Plans:

  • Comes with core dental and health coverage (no drugs).
  • HomeCare and Nursing, Prosthetic Appliances, Durable Medical Equipment is the same coverage as the Start Plan mentioned above.

2. Blue Vision Express Plan from Ontario Blue Cross.

   Guaranteed acceptance coverage available to Ontario citizens.

  • Ontario Blue Cross is a non-profit organization.
  • Comes with core health coverage.
  • 80% coverage.
  • Maximum of $2,500 per year.
posted on Thursday, 30 March 2006 20:53:35 (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)  #   
# Wednesday, 21 December 2005
                 

It is becoming considerably more important that customers are well informed about insurer-agent relationships and agent compensation related to the products and services they buy.

In June 2005, Canadian insurance regulators released a Consultation Paper, which included a proposal to regulate what agents must disclose about their insurer relationships and compensation. The insurance industry has responded by stating that they believe an industry-led standard is preferable to such regulation.

For over a year, several insurers have been working with the Canadian Life & Health Insurance Association (CLHIA) and its industry counterparts to develop guidelines for agent disclosure. Earlier this year, the industry released an Advisor Disclosure Reference Document that sets out those guidelines. A modified version of the document for group benefits and group retirement business was released in September. The CLHIA has urged regulators to allow these guidelines to be fully implemented and assessed before taking further regulatory action.

Insurers and agents are advised to work together to ensure customers have clear and complete information. They need to disclose about the agent’s business relationships with insurers, agent compensation (including any potential incentive reward), and any conflicts of interest. 

posted on Wednesday, 21 December 2005 02:25:07 (GMT Standard Time, UTC+00:00)  #   
# Thursday, 08 December 2005
                 

HealthQuotes.ca is happy to announce the launch of our health and travel insurance blog.

We will be posting insurance related topics that we feel will be of use to the Canadian public.

We encourage feedback, and would like to establish a flow of information and dialog between us as brokers and the public.

All postings are stored so that people can search for topics of particular interest.

Enjoy!
The HealthQuotes.ca Team

posted on Thursday, 08 December 2005 18:45:50 (GMT Standard Time, UTC+00:00)  #   
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