Lots of choice is great—but sometimes it's challenging to decide what's best. Whether you're choosing Elements coverage, which lets you mix-and-match modules to build the perfect plan for you, or one of our other plans, consider your stage of life, your family's needs, and your future needs. Read on to see how others have created their perfect plans.
Sophie has been covered under her parents' plan but, now that's she's 22, she's getting her own plan. She takes advantage of the 60-day window to move from her parents' personal health plan to her own Elements plan without having to answer medical questions.
She's looking for an affordable plan with drug coverage. She chooses Entry Health with Essential Drug coverage. She thinks she may one day be covered under an employer's group plan, so she adds the Assured Access module, which lets her put her plan on hold and then re-activate it later on without medical underwriting.
Simon's a pretty healthy guy and wants to take advantage of his current health to secure the best plan he can get within his existing budget. He chooses an Elements plan with Essential Health module, Essential Dental and Essential Drugs. He adds on the Hospital Cash module to supplement in-hospital service provided by his provincial coverage.
He's planning to get married next year and can add his partner to his plan without medical underwriting. Also because Elements lets you upgrade your plan on key life events like marriage, Simon can move up to Enhanced Health and Enhanced Drugs—again, without medical underwriting.
Alex and Audrey
Alex and Audrey have a three-year-old and another on the way. They'd like the comprehensive coverage of an Elements plan and want to plan for the future inevitables... like antibiotics and braces. They take an annual family vacation and often take road trips in the summer, so they choose Enhanced Health module for the travel coverage it includes. They go with Enhanced Drugs and opt for Enhanced Dental, which will cover orthodontic treatment for their kids.
They also add on the Critical Illness module, so their living expenses won't be a concern in the event one of them develops a devastating illness.
Natalie has been diagnosed with Type 2 diabetes and chronic back pain—long-term conditions that unfortunately come with several prescriptions and requirements for medical supplies and the services of health care specialists like massage therapists. She's worried that her pre-existing conditions will prevent her from qualifying for a plan like Elements, where she would have to answer medical questions. She chooses our Guaranteed Issue plan. Although there are annual maximums for her medications and treatments, coverage under her plan includes expenses for her pre-existing conditions.
Ben has group health coverage under his employer's plan—but, he's missing dental coverage, and those costs can add up. He chooses the standalone Individual Dental Plan to supplement his group plan with coverage for preventive, restorative and surgical services, and more. He also loves to travel—and after a close call on a scooter down south last year, he wants to make sure he's got appropriate coverage. He opts for an annual travel plan—one purchase for worry-free year-round coverage.