Health and Dental Insurance Canada.

Health and Dental Insurance Made Easy!

Want To Bridge The Gap In Your Alberta Health Insurance?

Health and dental insurance for Canada

The costs of prescription drugs, dental care, ambulances and medical equipment could be staggering.

Can your monthly budget handle a big medical bill?

The Alberta Health Care Insurance Plan (AHCIP) covers most of our major medical bills, like hospital costs, visits to our doctor, emergency room visits, etc. The good news is that living in Canada, Alberta gives us all universal health-care so we know we will be cared for by a well functioning medical system.

But in Canada the Alberta government doesn’t cover everything. For many people who do not have an employee benefits health and dental insurance plan that gives them a prescription drug plan, dental coverage, vision care, supplementary medical services like massage therapy and chiropractic care, etc. they have to cover these costs themselves. This can often mean delaying or avoiding beneficial medical care until you have saved enough money to pay for the service, or going into debt to get extended medical care.

Both of these options are not good. Wouldn’t it be nice to know you have a health and dental insurance plan that will help you cover the high costs of good dental care, or allow you to get those expensive prescription drugs you need? There are a number of good plans offered to people in Canada. At Life Guard Insurance we suggest you look into the following three companies:

Alberta Blue Cross

Manulife Flexcare or FollowMe Health

If you are and individual or family without supplemental health insurance one of these three companies could provide excellent coverage for you.

Alberta Blue Cross Non-Group Health and Dental Insurance

If you are looking for a plan that will provide prescription drug coverage and extended medical coverage, like medical equipment, ambulance rides, etc. this could be a great plan for you. This plan does not cover dental care, so either you pay for your dental out of pocket or purchase just dental coverage separately.

Alberta Blue Cross Non-Group is an Alberta government sponsored plan for people who are not members of a group insurance plan. This coverage is VERY CHEAP because the bulk of all claims payments are covered by Alberta Health and Wellness. Alberta Blue Cross only administers the plan, collecting the premium and processing claims.

Coverage from Alberta Blue Cross Non-Group Health and Dental Insurance

Prescription Drugs: 70% of your prescription to a maximum of $25 per prescription.

Ambulance Services

Clinical Psychological Services

Home nursing Care

Hospital Accommodation

Up to $25,000 of medical coverage per year.

and more…

The biggest benefit is that there are no exclusions for pre-existing medical conditions! Everyone is accepted, even if you have just been diagnosed something like diabetes, requiring insulin injections daily. This plan is purchased directly from Alberta Blue Cross. At Life Guard Insurance we do not sell this plan, as it is not available to the brokerage market, however we feel it is so beneficial for our clients in Canada and around Alberta that we would like to make it available to you.

Alberta Blue Cross Non-Group Brochure

Alberta Blue Cross Non-Group Application Form

Dental Insurance Coverage

Dental costs can be very steep. Insurance coverage for these dental costs can be purchased on its own or part of a more comprehensive plan. As a stand alone plan, Manulife Flexcare offers excellent coverage in two great levels of coverage, DentalPlus Basic and Enhanced. Both Sun Life and Alberta Blue Cross combine their dental coverage with prescription drugs plans and extended medical. These plans are great if you want one complete package, but if you already have coverage through something like the Alberta Blue Cross Non-Group (above) then Manulife Flexcare is your best choice.

To purchase your coverage, you can go online, directly to the insurance companies above, or you can click the banner below for Manulife’s FlexCare and FollowMe Health and Dental Insurance Plans.