Navigating Individual Health & Dental Insurance

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Posted on by Deborah Abrahams
Are you facing the prospect of retirement or are you otherwise not eligible for a traditional group benefit plan? Navigating the world of individual health and dental plans can seem daunting, but it doesn’t have to be. At SC Insurance, we simplify the process to help you find the right solution for your unique needs.

Our Health Plan Specialists are dedicated to guiding you through this journey, ensuring you secure the optimal plan for your specific situation.

Tailored Solutions for Every Situation

Retirees

With retirement on the horizon for many Canadians, securing the right health insurance becomes paramount. Our experts offer personalized Retiree Health Reviews, taking into account your health, goals, and desires. Whether you’re planning ahead or facing an imminent change in coverage, we’ve got you covered.

Business Owners

For the over 1.1 million small business owners in Canada, finding affordable health insurance can be challenging. For those with two or more employees, we provide guidance on traditional group insurance plans. For those not eligible for a group plan, we source unique options to ensure you get the coverage you need.

Contract Employees

In today’s evolving job market, many individuals find themselves as contract employees without access to traditional benefits. Our specialists navigate alternative options to ensure you’re covered.

New Canadians

New residents qualifying for government healthcare can benefit from individual health and dental coverage tailored to their specific needs.

Understanding Health & Dental Plans

There are three types of Individual Health Plans, each with its own advantages depending on your situation:

1. Underwritten Plans

These plans offer comprehensive coverage at reasonable rates, though approval hinges on a detailed health history review. While pre-existing conditions may not be covered, exceptions exist with limitations. These are ideal for those in good health looking for comprehensive coverage.

What's Included

  • Prescription Drugs
  • Dental (Preventative and Major)
  • Paramedical Specialists (Registered Massage Therapist, Chiropractor, Physiotherapist, Psychologist, etc.)
  • Vision Care
  • Hearing Aids
  • Ambulance
  • Nursing Care
Optional Coverage:
  • Catastrophic Coverage
  • Travel Insurance (with limitations)

2. Conversion or Guaranteed-Issue Plans

Leaving a group benefit plan doesn’t have to mean losing coverage. Conversion plans provide seamless transitions with full coverage for pre-existing conditions, as long as you apply within a limited period after your benefits terminate (usually 60 days). For those not losing benefit coverage, Guaranteed-Issue plans offer coverage that includes pre-existing conditions.

What's Included

  • Prescription Drugs
  • Dental (Preventative and Major)
  • Paramedical Specialists (Registered Massage Therapist, Chiropractor, Physiotherapist, Psychologist)
  • Vision Care
  • Hearing Aids
  • Ambulance
  • Hospital Care
  • Nursing Care
Optional Coverage:
  • Travel Insurance (with limitations)

3. Self-Employed Incorporated Plans

Self-employed business owners have some unique additional options available. In addition to the above insured plans, many business owners may also benefit from Health Spending Account plans that allow for much more comprehensive coverage.

More Information

Click HERE to learn more and see if a Health Spending Account solution might be an option for you.


Click HERE to learn more about our exclusive SC Gig Plan which offers a comprehensive and simple online application.

BYOND Private Health

Did you know – we also offer a unique Private Health Plan that includes access to local clinics like MedCan and Cleveland Clinic for executive health assessments and ongoing primary care, but includes $1M per year to access the finest private care anywhere if a health issue arises. There is also access to on-demand CT/MRI, executive-level travel protection, and more.


Click HERE to learn more about the BYOND Private Health Plan

Our team is here to simplify the process and ensure that you find the perfect plan.

Contact us for your personalized Health Plan Review today.

info@scinsurance.ca

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