Comparing insurance options should be easy
But complicated details, unfamiliar terms and confusing differences can make it a real chore. This should help.
Health Plus Advantages
Other plans have lower total limits and often very low per visit limits (e.g. $20).
Other plan limits are $5000 - $10 000.
The few with higher limits cost much more.
Other plans have deductibles and
Other plans celebrate your milestone birthdays with an automatic rate increase, often a hefty one. Every 5 years, age 45-65.
Other plans don't offer this way to save.
Big ad budgets don't mean better value ...
Health Plus vs. Manulife Flexcare
You've probably seen ads for Manulife but when it comes to personal health and dental insurance, Health Plus comes out on top. It's simple. We designed Health Plus to cover more and cost less.
For example: We cover up to $30,000 in prescription drugs; the Manulife Flexcare max is $10,000. Our paramedical is better, not only because we pay $750 per practitioner per year compared to the Flexcare limit of $500. Manulife pays only $25 per visit. We cover the going market rate.
And Health Plus rates are much lower. The rate per month for Health Plus Optimum is $116; Manulife charges $177, and it gets worse as you get older or start a family. For a family, parents ages 45-54 with two kids, your Manulife bill would be a hefty $567. Health Plus Optimum is $296, regardless of your age. Unlike Flexcare, we don’t automatically raise your rates every 5-year milestone birthday.
Don’t get us wrong. Manulife is a great company. As brokers, we do business with the firm and sometimes offer Manulife products to our clients. But not in this case. If you want the best value insurance for your money, that’s Health Plus.
Even if you have a pre-existing condition Health Plus may still be an option.
Other plans often simply deny coverage. Ask us what's possible.