Health Insurance

Features of Health Insurance

Available to individuals and families.
Ideal when no employer health plan is available.
Covers common medical expenses that the Government Health Insurance Plan does not (eg. dental work, prescription drugs, eyeglasses, private and semi-private hospital rooms).
Available as both Health & Dental insurance combined, or as Dental Insurance only.
Your plan can be customized to fit your unique needs.
Premium payments are treated as medical expenses under the Income Tax Act. Therefore, if you are self-employed or a small-business owner, you may receive a tax deduction for your business while your employees get a non-taxable benefit.

Options

There are 4 different health plans available: base, bronze, silver, and gold. All plans include several "core" benefits (see below), but the level of dental and drug coverage increases from base plans (lowest coverage) to gold (highest coverage).
Each plan is available in two forms: dental only, and health & dental. Dental Only plans include dental coverage and the below "core" benefits, while Health & Dental plans include dental coverage, the core benefits, plus prescription drugs.

Core Benefits (that all plans cover):

Vision Care: covers costs towards prescription lenses and frames and/or contact lenses.
Hospital benefits: pays for private or semi-private hospital rooms. If no room is available, this money is paid to you each day in cash.
Accidental Death and Dismemberment: Pays for a loss directly resulting from accidental bodily injury or loss of life.
Travel Coverage (to age 65): Covers emergency hospital/medical expenses while traveling and access to a 24-hour worldwide medical assistance center up to to a maximum of $1,000,000 per trip.
Continued coverage: coverage is continued for 1 year, following the death of an adult policyholder.
Extended Health Care: covers the cost of Chiropractors, Chiropodists & Podiatrists, Naturopaths, Registered Massage Therapists, Psychologists, Physiotherapists, Acupuncturists, and Speech Pathologists/Therapists.
LifeLine Response Service: Provides 24-hour monitoring service for people coping with medical problems at home.
Homecare, Nursing, Prosthetic Appliances, and Durable Medical Equipment: Covers the services of registered health professionals, including Registered Nurse, Registered Nursing Assistant or healthcare aid; includes surgical bandages and dressings and the purchase or rental of medically necessary equipment such as crutches, non-electric wheel chairs and hospital beds, oxygen and other equipment recommended by your physician and approved by Liberty Health. Also includes prosthetic appliances such as artificial limbs, eyes, splints, casts and breast prostheses following mastectomies.
Hearing Aids: Covers the cost to purchase and/or repair hearing aids.
Ambulance Services: Covers trips to hospitals in a licensed ground ambulance.
Accidental Dental: Covers dental treatment required as a result of an accidental blow to the head or mouth.

Uses of Health Insurance

To provide health and/or dental insurance coverage when employer coverage is not available.
To supplement existing health and/or dental insurance coverage.

Common terminology found in Health Insurance

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