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MY SON WAS GOING OFF MY PLAN - HOW WOULD HE GET COVERAGE?

My son finished school, got a job, and was moving out on his own. But while planning out all his expenses, I noticed that he didn’t have anything down for health coverage.

Like me, I thought he’d get insurance through work, but his employer didn’t offer it. That would be a huge problem for him financially if he comes down with something... especially just starting out in the world. Then I remembered that because he was a dependent on my Elements plan, he was already qualified for coverage. You could call it ‘generational coverage’, I called it a life-saver.

I HAD QUESTIONS, BUT I DIDN'T KNOW WHERE TO GET ANSWERS.

Babysitters, financial advice, health concerns… as a self-employed single mother of two, I had so many questions, but I didn’t know who to ask or have the time to ask them. Honestly, I was feeling lost.

I was checking my mail and noticed a flyer for something called inConfidence. It’s a counselling service that covers just about any issue, and I can use it for free as part of my plan. And it was simple. I could visit their website to get a phone number, then speak to someone directly. And if I wanted to talk to a professional in person, I could. Elements made it easy.

WE’RE A HEALTHY FAMILY. AND OUR KIDS ARE SUPER ACTIVE.

So, when our daughter was suddenly diagnosed with asthma, we were stunned. I know it can be managed with the right treatment, but it just seemed like it was going to limit so much of what she loves – we weren’t even thinking of the medical costs at this point.

But with Elements, so much of that worry faded away. It protects our daughter’s medical status, so she can get her own plan one day without having to spend extra. It also helps with the ongoing bills, which, without coverage, would have piled up fast. Now, we’re all breathing a little easier.

I'M A RELATIVELY HEALTHY PERSON.

I go out for a jog a couple of times a week, I don’t eat a ton of junk, and I’ve never smoked. So, when the doctor told me I had high blood pressure, it didn’t make sense to me.

I was told high blood pressure is a chronic condition, which means the costs can really add up over time. At first, I didn’t know what that would mean for me and my family. Thankfully, I had Elements. It really helps me manage my drug costs, so I can focus on “adjusting my lifestyle” as my doctor put it. One less stress to worry about.

I’VE HAD ELEMENTS FOR A YEAR OR TWO NOW, BUT I WAS NEVER USING IT…

It just felt like an extra expense I didn’t need. That is, until one random afternoon when I went out for a bike ride. I crashed hard and totally messed up my shoulder. It seemed like it was going to be a long road to recovery.

That road was a lot smoother though because of Elements. The physiotherapy coverage saved me a lot of money, and helped me recover faster than I would have if I had just skipped out on going to a professional. Yeah, I’ll be keeping my plan.

I’M SELF-EMPLOYED, WHICH MEANS I DON’T HAVE HEALTH COVERAGE THROUGH WORK.

I figured I’m young enough that I don’t need it right now, I’d just pay for the dentist or whatever out of my pocket. Eventually though, I came across Elements… and it made sense. I was able to mix and match coverage, so I threw together a plan that was pretty solid budget-wise. And just in time, too. A few weeks later I was playing hockey with the boys and took a wrister to the face. I lost a few pearly whites, but Elements totally had me covered.

I’VE ONLY EVER HAD TO LOOK AFTER MYSELF. BUT WHEN I GOT MARRIED LAST FALL, THAT ALL CHANGED.

Especially since we’re both self-employed and without health coverage.

We were wary about getting it right away—we already had a lot of other expenses as newly-weds. But we decided to at least shop around and see what was out there. After doing some research we found Elements. It ended up being pretty cost-effective budget-wise, because we could mix and match coverage, so we got exactly what we were looking for. And because we can change our benefits when we have kids, it was easy to say “I do.”

GETTING PERSONAL HEALTH INSURANCE NEVER REALLY CROSSED MY MIND.

I’ve always had coverage through work and figured that would be enough. But after speaking to an insurance broker I decided to pick up something called “Assured Access”. Basically, it promises that I can get a plan down the line even if my health situation changes. It wasn’t expensive, so it seemed worth it.

Last year, I was diagnosed with Crohn’s. It happened right when I had decided to leave my job to pursue my own thing. Thankfully, I knew that I’d be able to cover the cost of my medication because of Assured Access. Now I have full coverage, no questions asked – best decision ever.