Health Insurance

Table of Contents

What Is Health Insurance?

Health Insurance

Health insurance is an arrangement with an insurance company that can help you afford health care costs. It’s works by spreading the cost among large groups of people. It paid by one person helps pay for the care of the next.

In addition to spreading financial risk, It has another important function. It improves access to care means more people can seek to buy and pay for health care services.

There are a few ways to get:
1. Group Health Insurance

Otherwise known as employer-based coverage, this type offers discounted coverage for a large pool of mostly healthy people, and the employer and employee split the cost of premiums

2. Individual Health Insurance

Is another type which covers a single person or family. It’s paid for entirely by the purchaser. In this case, premiums can vary based on the purchaser’s age, and they typically offer fewer benefits than group insurance. Both group are commonly referred to as commercial insurance plans, but there are government-sponsored plans like Medicare or Medicaid.

These plans are obtained through a government agency or program and usually cater to those with special circumstances like children, elderly veterans or active service members and those with low incomes. in these plans, costs are split between the government and the insured.

Canadian Individual Health Insurance Plans

We are collaborating with every insurance company. Some of the registered and trusted insurance companies that we are collaborating with which are:

  • Manulife
  • Sun life
  • Chambers of Commerce Group Insurance Plan 
  • IA Financial Group(Industrial Alliance)
  • Johnston group
  • Maximum benefit
  • Simply benefits
  • TELUS Health
  • Accetta Worx
  • Payworks
  • ClaimSecure
  • Canada Life

Health Insurance From Sun Life

Sun Life health insurance protects you and your family from the financial impact of illness, accidents and disability.
There are four main types of this insurance:

  • Personal insurance helps pay for health expenses such as prescription drugs, dental, and vision care.
  • Critical illness insurance helps pay the costs associated with surviving a life-altering illness.
  • Long-term care insurance helps cover the cost when you require substantial assistance from others due to your diminished physical or mental abilities.
  • Disability insurance helps protect your income if you become disabled and can’t work.


Copperhills Family Dentistry specialists provide specialized dental services that help our patients cultivate healthy and happy smiles. We’re happy to provide compassionate care coupled with cutting-edge technology.

Manulife Health & dental insurance

Choose your health and dental insurance based on what matters to you in Manulife.

  • Flexible and affordable insurance tailored to you
    Comprehensive health coverage – no medical questions asked when you apply
  • Health & Dental Guaranteed Issue Enhanced insurance
    Comprehensive health coverage – no medical questions asked when you apply
  • FollowMe™ health & dental insurance
    Coverage that begins when your employee health coverage ends
Health Insurance

Health Insurance Basics

Understanding health insurance and how it works can help you choose a health plan that works for you and your budget. It helps protect you from paying the full cost of your health care, whether it’s an annual dental checkup, a visit to the emergency room, or anything in between.

Here’s how it works – when you sign up for a plan, you’ll pay a monthly fee called a premium. In return, this company will pay a portion of your covered medical costs. Each plan is different, but most cover preventive care, doctor and hospital visits, and prescription drugs.

You can choose a plan that best fits your medical needs as well as your budget and, depending on your income, you may qualify for financial assistance from the federal government to lower your premiums or to help with your out-of-pocket costs.

Why is Health Insurance Important?

It may not be the most exciting thing to shop for, but it’s one of the most important things that you can buy for yourself and your family. Here are two good reasons why.

One, it saves you money on health care. Whether it’s your annual physical, emergency care, or prescription medication, health care can get pretty expensive. That’s more than $7,000. Health insurance pays a portion of your healthcare costs.

In addition, insurance companies can get you better rates for services, so you’ll never pay the full amount. Uncovered health care costs even if you don’t go to the doctor that often.
Accidents happen, and anyone can get sick, so it’s best to be prepared – it helps you stay healthy.

Dental checkups, screenings, tests, and immunizations all can help prevent serious medical conditions later on. The good news is that all plans cover certain preventive services at no cost to you when you use an in-network provider.

Some plans even offer free visits for nutrition counselling as well as value-added wellness programs like reimbursement for gym fees and discounts on fitness gear and programs that help you lose weight or stop smoking.

So how can you get health insurance if you don’t get it through an employer? You can buy it directly from a health insurance company, or you can shop for a plan through the marketplace.


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