- 1959 Upper Water Street Suite 407 -Purdy's Wharf Tower 1 Halifax, NS, B3J, 3N2
- 1-902-877-6555
- geoff@equisgroup.ca
Personal Health And Dental Insurance
Halifax, Nova Scotia
We will find the best personal health and dental insurance plan for you at a cost you can afford.
Our competitors will often show you a quote from the one carrier they represent. They want the quick sale. We work a little differently…in a good way! We want a happy and long-term client who has the lowest price. It’s that simple.
Our 20+ years experience tells us that you need to compare quotes from multiple carriers to guarantee the best rate. Our experience also tells us that the average person will not be able to notice the small differences between the quotes you get yourself online.
Let us get the quotes for you and present them in a way that makes your decision easier. More importantly, let us help you make the RIGHT decision. Lowest price, and the best plan.
The biggest difference between insurance carriers is understanding the per visit maximums imposed on the health plan, and annual maximums that you need to be aware of.
Why would anyone pay $100 per month for a plan that has a $750 annual maximum. This happens all too often. Price is important, but you need to be aware of the fine print.
“You get what you pay for”
In the health and dental insurance world, you get what you pay for. We will show you the secrets. Your monthly cost, and drug copay is an important part of the equation, but it’s not the only parts to consider. We will take the time to learn about you and figure out what is most important to you and your family.
Contact us to learn more detail about the two main types of health plans for you to choose from:
- Standard Health Plan: you get approved for coverage after answering health questions. In these plans, most pre-existing conditions won’t be covered. Like your auto insurance, they only cover claims that happen in the future. They will cover birth control, but most other drugs will be excluded. With these plans, you are protecting your future.
- Guaranteed Issue Plan: your pre-existing drugs will be covered. There will be very few health questions, if any at all. There will be annual maximums on your spending. Beware of these maximums to make sure the plan is right for you. Our team can help.
Here are some other popular plans you may want to consider
Assured Access
For people who have Group Benefits now, but want to guarantee their health and dental insurance for life.
Retiree health and dental benefits are becoming a thing of the past. You can answer health questions today and be approved for a health and dental plans for life. You must be part of a group plan to apply for this.
As the name suggests, having an Assured Access will ensure you can access the drug coverage you need when you leave your work’s group plan. All group plans have conversion options, but did you know they are expensive and have low annual drug maximums. Having an assured access plan is the best way to protect you for your entire life. Contact us today to find out more.
Travel 80
For people who want to travel in retirement. Answer the health questions today while you are young to guarantee your approval of any travel plan in the future.
This is offered by Manulife. Many Canadians retire only to find out they don’t qualify for Travel insurance because of their pre-existing conditions. Some find out they can be approved, but at a high cost.
Guarantee yourself travel coverage until age 80. Answer the health questions to get approved. Once approved, you get 30-day trips until age 80. If your trip is longer than 30 days, simply add more days on for an additional cost…but the trick is that you will not have to answer health questions for these top-ups until you reach age 80. Further, you get 50% of your money back if you have no claims for 10 straight years.
Standalone Dental Plan
For people who want a dental plan, without the healthcare coverage. You will be approved, and the coverage will be limited compared to a Standard Health Plan. Waiting periods may apply
Call us today to receive your free consultation at 902-877-6555.
What’s covered in a personal health and dental plan?
Every plan is a little different, but in general you can pick and choose from the categories below. Click the box below to get more information about what is normally covered on a plan:
Extended Healthcare
Helps to provide coverage for items not covered on your provincial plan. Covered items include:
- Ambulance Coverage
- Hospital Coverage
- Travel Coverage
- Nursing Care
- Medical Appliances
- Hearing Aids
- Custom Orthotics
- Practitioner coverage such as Chiro, Physio, Massage, Acupuncture, Naturopath, etc
- You will determine the amount of coverage employees get at each practitioner per year. Standard amounts are $300, $400, and $500.
Drug Coverage
Provides coverage for eligible prescription drugs. The claims process is simple. You show your drug card to the pharmacy, and they bill directly to the carrier on your behalf. You can also buy your drugs online, and have them delivered to your door.
Vision Coverage
Provides coverage for eye exams, contacts, lenses, frames, and laser eye surgery. You will choose the amount of coverage available to employees on a 24-month basis. Children under 18 can use this coverage every 12-months.
Basic & Routine Dental
Provides coverage for all your basic dental needs. Check-ups, cleanings, fillings, polishings, tooth extractions, etc
Major Restorative Dental
Never let dental accidents or emergencies catch you unguarded. Our personal dental plans will provide you coverage for bridges, dentures, crowns, onlays and other major restorative dental services.
Orthodontics Coverage
Give your children the healthy smile they deserve. Our dental plans provide Nova Scotians with coverage for orthodontic work for children up to age 18, including braces and more.