Guaranteed Issue Health Plans

Health and dental insurance for those retiring or losing their employee group benefits.
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What is a guaranteed issue plan?

A guaranteed issue health and dental insurance plan is a preferred option for those currently covered by an employee group benefits plan, or has recently lost their employee group benefits (within the last 60-90 days).

The term 'guaranteed issue' refers to the fact that no medical questionnaire is required, and the insurance company will issue your coverage on a guaranteed basis - so long as you transition to a plan within 60-90 day of your employee group benefits terminating.

As with any health insurance plan, it is designed to help offset the cost of health and dental expenses that your provincial government health care plan doesn't pay for.

Guaranteed issue plans tend to offer moderate value relative other plan types (i.e. moderate benefits per dollar), however this is because they will cover pre-existing conditions.

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This type of plan is an ideal fit for:

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Individuals and families who is currently covered by an employee group benefits plan, or has recently lost their benefits (within last 60-90 days).

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Individuals and families who have recently lost their employee group benefits (within last 60-90 days).

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Individuals and families who have medical history and 'pre-existing conditions' that they want to ensure are covered.

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Individuals and families who want/need a 'bridging' solution to avoid gaps in coverage while they shop for a Medically Underwritten plan.

What does health insurance cover?

Health insurance plans cover a combination of routine expenses (i.e. planned predictable expenses), and unplanned expenses. Every plan will vary with regard to dollar amounts for these benefits.

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  • Prescription drugs
  • Dental visits
  • Paramedical services
  • Vision care
  • Ambulance (air / ground)
  • Hospital accomodation
  • Emergency travel medical
  • Medical equipment

How much does health insurance cost?

There are a number of factors that can affect plan pricing, including:

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Generally, insurance cost less for younger age groups, and more for older age groups.

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Single, couple or family

Plan cost will vary depending on the number of people covered.

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Province of residence

Plan cost can vary from one province/territory to the next.

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Plan selection

Plans that include more benefits and higher coverage amounts come at a higher cost.

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Other types of health care plans

There are two other types of health insurance plans; Medically Underwritten, and Guaranteed Acceptance. The appropriate plan for you depends on your circumstances. An advisor can assist in determining the appropriate plan for you.

Medically Underwritten

  • Medical questionnaire required
  • Lower relative cost
  • Most benefits per dollar
  • Excludes pre-existing conditions
See Medically Underwritten

Guaranteed Acceptance

  • No medical questionnaire
  • Higher relative cost
  • Lowest benefits per dollar
  • Covers pre-existing conditions
See Guaranteed Acceptance

What's your current situation?

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