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I want to be covered when my group coverage ends

If your group health coverage is ending soon or has recently ended, how do you make sure you and your family can continue to enjoy the benefits of health and dental coverage?

Regardless of whether you're retiring, starting your own business, or making a career change, including health and dental insurance in your financial planning protects you against routine and unexpected health-related expenses you might otherwise have to pay out-of-pocket.

Supplemental health insurance is the solution

We're all aware that provincial healthcare funding is continually reassessed. While governments reduce coverage for some healthcare services and cease to provide others, your group health plan has bridged the gaps. Individual, supplemental health insurance is designed to do the same: to protect you against out-of-pocket expenses not covered by your provincial health plan.

Understand your options, then make your choice

It's important to know you have options with supplemental health insurance. There are many plans and benefit levels from which to choose.

Some plans are designed specifically for those whose group health coverage has recently ended or will soon end. Completion of a medical questionnaire is not required as long as you apply within 60 days of your group health coverage end date.

Others plans are designed to offer great flexibility in coverage options, some of which require completion of a medical questionnaire.

Once you have determined your benefit focus and reviewed the advantages of the different plans available, you select the coverage that suits your situation, your lifestyle and your finances.

When reviewing health insurance options, be aware of what the government covers,

When your group health plan ends, don't hesitate to apply for individual, supplemental health insurance.

Some individual plans do not require completion of a medical questionnaire, as long as you apply within 60 days of your group health coverage end date. Even better, if apply before your group coverage ends, your individual coverage can start as soon as your group plan stops - and you'll have the peace-of-mind of uninterrupted coverage.

Remember, if you're self-employed or are an employee of your own business, your health insurance premiums may be tax-deductable.

When you consider the tax savings, supplemental health insurance may even pay for itself.

Consider factors like service, accessibility and reputation when purchasing insurance,

for the peace-of-mind of knowing that you will be taken care of promptly, tomorrow and in the years to come.

What does my government plan cover?

Every province and territory has a different health plan. However, the following are usually not covered by government health insurance plans:

  • Prescription drugs
  • Dental checkups and treatment
  • Hospital stays
  • Specialized care, including speech therapists or pathologists, physical therapists, chiropractors, and many more
  • Homecare and nursing
  • Medical supplies and equipment
  • Emergency medical health treatment for travellers
  • Personal emergency response
  • Hearing aids
  • Accidental death and dismemberment
  • Catastrophic coverage

Your province may outline coverage on their website.

I have other financial priorities. Why do I need supplemental health insurance?

Every year, you could pay thousands in unexpected medical and dental expenses if you don't have a health plan.

You could be especially vulnerable in the event you suffer a serious illness or injury. Or you could use up your savings on private care, because your government health insurance plan, unfortunately, offers only limited coverage for home nursing care and in-home assistance.

For only dollars a day, you can have comprehensive coverage that you and your family simply shouldn't be without. And, if you're self-employed or are an employee of your own business, your supplemental health insurance could literally pay for itself.

What Others Have Chosen

FollowMe™ Health

The FollowMe Health plan is specially designed for those whose group health coverage is ending, or has just recently ended. It offers coverage for prescription drugs, extended health care and optional coverage for dental care.

When you apply within 60 days of your group health coverage end date, you qualify without having to complete a medical questionnaire, regardless of your health.

FollowMe Health provides four levels of coverage from which to choose, Basic, Enhanced, Enhanced Plus and Premiere, as well as a FollowMe Travel Add-on, so you may select the protection that best suits you and your family.

Flexcare®

Flexcare is a uniquely flexible supplemental health insurance plan. Whether your focus is prescription drugs, dental care, vision care, extended health care or a combination of all, Flexcare offers a wide selection of plans from which you can choose.

Flexcare Core plans — DrugPlus™, DentalPlus™ and ComboPlus™ — offer comprehensive protection, while Flexcare Add-Ons allow you to increase Core plan coverage in the areas most important to you.

Flexcare Stand-Alone options provide even more alternatives. Stand-Alones can be purchased without a Core plan, which is often an ideal solution for those who have a limited group plan and would like to top-up their existing group coverage.