Big ad budgets don't mean better value ...
You've probably seen ads for big insurers like Manulife. But how do they really compare when it comes to personal health and dental insurance? Health Plus was designed to save you money, and give you the coverage you want.
Health Plus OPTIMUM rates are $133 per month for a single. For a comparable plan Manulife charges $171, and rates go up as you age. Not with Health Plus. Unlike the big insurers we don’t think a rate hike is a great birthday present. For a family of 4, parents aged 45, a Manulife bill is $594/month. Health Plus OPTIMUM is $323. For that, you get higher drug limits, more paramedical coverage, and Wellness Benefits, including LifeWorks Employee Assistance Program (even if you work for yourself).
Health Plus members save up to $1260 a year*
*For a single, in premiums paid compared to Manulife Flexcare
Prices represent 2022 Ontario rates. Rates for all plans are subject to medical qualification. If you'd like help comparing the coverage of these plans or others get in touch.
Age | Green Shield SureHealth Zone 5 | Green Shield SureHealth Zone 6 | Manulife Flexcare ComboPlus Basic | Manulife Flexcare ComboPlus Enhanced | Health Plus PRIORITY | Health Plus OPTIMUM |
|---|---|---|---|---|---|---|
30 | $132 | $149 | $111.10 | $171.30 | $102 | $133 |
45 | $138 | $159 | $137.50 | $213.20 | $102 | $133 |
55 | $149 | $169 | $145.10 | $228.80 | $102 | $133 |
60 | $160 | $183 | $154.10 | $238.90 | $102 | $133 |
65 | $152 | $174 | $122.50 | $191.80 | $102 | $133 |
Health Plus Advantages
Comparing insurance options should be easy. But complicated details, unfamiliar terms and confusing differences can make it a real chore. This should help.
Better Paramedical
Health Plus pays up to $1000 per person per year per type of practitioner. At the going market rate for services and equipment.
Other plans have lower total limits and often very low per visit limits (e.g. $20).
High Prescription Drug Limits
to $30,000 per person per year
Other plan limits are $5000 - $10 000.
The few with higher limits cost much more.
Great Dental Coverage
Starting at $1000 per year per person with no deductibles.
Dental injury from accident is 100% covered with no maximum.
Other plans have deductibles and
lower maximums.
Lower, Stable Rates
Health Plus rates not only start lower, they're the same for all ages, and stay low even as you get older.
Other plans celebrate your milestone birthdays with an automatic rate increase, often a hefty one. Every 5 years, age 45-65.
Cost Plus Pricing
That's insurance speak for how we can make more of your healthcare bills tax-deductible, even your current prescription drug expenses.
Other plans don't offer this way to save.
Extras
Unique combination of wellness and business services included. No extra cost, no claims required.
Other plans either don't offer wellness services at all or if they do they charge extra.
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.