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  Green Shield Canada   Guaranteed Issue Plans  

 

 

Guaranteed Issue (Guaranteed Acceptance) Health Plans

 

Guaranteed issue health & dental insurance plan may be the best solution for you if you want to have coverage for your pre-existing medical condition and medications.

Many Health & Dental Insurance plans are medically underwritten, which means that you are required to complete a medical questionnaire when applying for this coverage. Medical questionnaire is needed to determine your eligibility for this coverage, and your pre-existing medical conditions will be excluded from the policy even when you qualify for this insurance plan.

 

Guaranteed issue (or Guaranteed acceptance) Health & Dental Plans do not require Medical Questionnaire at the time of application and cover pre-existing medical conditions and medications. Guaranteed issue policies include coverage for Prescription Drugs, Dental Care, Extended Health benefits, Vision Care, Hospital and other benefits. However, overall coverage provided by these plans is less than with medically underwritten plans.

 

Please learn what is covered under each insurance plan below and get your quote: no medical questions, guaranteed acceptance, quick issue. The following plans are available:

●  Manulife Financial - Association Plans

●  Manulife Financial - Flexcare Plans

●  Green Shield Canada - ZONE Plans (Zone 1,2,3 & Fundamental plans)

●  Manulife Financial - FollowMe (apply within 90 days of your loss of group benefits)

●  GMS - Replacement Health Plans (apply within 60 days of your loss of group benefits)

●  Green Shield Canada - Health Assist LINK Plans (apply within 90 days of your loss of group benefits)

 

 

 

 

Health and Dental insurance with coverage for pre-existing conditions

 

Manulife Financial - Association Plans

Choose your type of coverage

Drug and Dental Coverage

Drug and Dental Coverage 

Dental Coverage

Base

Bronze (promotional offer)

Base, Bronze, Silver, Gold

Prescription Drugs

Paid at 70% of first $750

to $525 maximum per year

Paid at 70% of first $500

80% of next $2,500

 to $2,350 maximum per year

Not covered

Dental Care - Basic and Supplementary

$400 per year maximum

Paid at 70% 

$500 per year maximum

Paid at  70%

Base plan - $400/year, 70%

Bronze plan - $500/Year, 70%

Silver plan -

Year 1: $600/year,  paid at 60%

Year 2+: $900/year, paid at 80%

Gold Plan - Combined with Major 

Year 1: $750, paid at 60%;

Year 2: $1,000,  paid at 80%

Year 3&4: $1,200, 80%

Year 5+: $1,500 / year, 80%

Dental Care - Major restorative

Not covered

Not covered

Included in Gold plan from

Year 3 & beyond, paid at 60%

($800 maximum every 2 consecutive years)

Vision Care

$100 per 2 benefit years plus $60 for optometrist visits per 2 benefit years

Acupuncturists, dietitians, chiropractors, osteopaths, podiatrists, naturopaths, chiropodists, massage therapists

Maximum claims paid :

$500 combined per year,
Per visit maximum - $25

Maximum claims paid :

$750 combined per year,

No per visit maximum

Maximum claims paid :

$300 combined per year,
Per visit maximum - $20

  For more detailed information, please CLICK HERE For more detailed information, please CLICK HERE For more detailed information, please CLICK HERE

Included with all plans: Paramedical services, Homecare and nursing, Prosthetic appliances, Durable medical equipment, LifelineŽ Personal Response Service, Health Service Navigator with World-Class Medical Second Opinions, Accidental dental, Ambulance, Hearing aids, Accidental death & dismemberment, Survivor benefits

 

Get a Quote

 

 

 

 

Manulife Financial - Flexcare Plans

Choose your type of coverage

Drug and Dental Coverage

 Dental Coverage 

Dental Coverage

Flexcare ComboPlus Starter

Flexcare DentalPlus Basic

Flexcare DentalPlus Enhanced

Prescription Drugs

Paid at 70% of first $750

to $525 maximum per year

Not covered

Not covered

Dental Care - Ongoing Maintenance

$400/Year

Year 1: 50% of the first $1,150 (maximum of $575/year)

Year 2+: 80% of the first $400 and 50% of the next $860 (maximum of $750/year)

Year 1: 70% of the first $1,200 (maximum of $840/year)

Year 2+: 100% of the first $500 and 60% of the next $700 (maximum of $920/year)

Dental Care - Oral surgery, periodontics, endodontics

Not covered

Not covered

Year 1: 0%; Year 2: 60%;

Year 3+: 80%

Dental Care - Major restorative

Not covered

Not covered

Year 1: 0%;  Year 2+: 60%

Vision Care

$150 per 2 benefit years plus $70 for optometrist visits

per 2 benefit years

$250 per 2 benefit years plus $70 for optometrist visits

per 2 benefit years

$250 per 2 benefit years plus $70 for optometrist visits

per 2 benefit years

Chiropractor, Chiropodist, Osteopath, Naturopath, Podiatrist, Registered Massage Therapist, Acupuncturist, Dietitian

Dollar maximum - $25/visit, maximum visits - 20/specialist per year

Dollar maximum $25/visit, maximum visits 20/specialist

Dollar maximum $25/visit, maximum visits 20/specialist

Travel Emergency medical (to age 70)

$5,000,000 per person for trips lasting a maximum of 9 days, $100 deductible per claim

 Additional coverage for either 8 or 21 days can be purchased as an Add-On.

Included with all plans: Paramedical services, Homecare and nursing, Prosthetic appliances, Durable medical equipment, LifelineŽ Personal Response Service, Health Service Navigator with World-Class Medical Second Opinions, Accidental dental, Ambulance, Hearing aids, Accidental death & dismemberment, Survivor benefits

For more detailed information about Health & Dental insurance plans, please select your province:

Alberta  | Ontario | Newfoundland and Labrador | Prince Edward Island

Manitoba |  New Brunswick | Nova Scotia

British Columbia | Saskatchewan

 

Get an Instant Quote or Apply Online

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Your group benefits expire soon and you want to have coverage for pre-existing conditions

Get your quote and apply ONLINE for plans designed to offer uninterrupted health and dental coverage for you and your family, when you retire or your employment and group benefits end.

If you apply within 90 days (with Manulife) and 60 days (with GMS) of your loss of group health and dental benefits, your application will be automatically accepted.  

 

Manulife Financial - FollowMe

If you apply within 90 days of your loss of group benefits, your application is automatically accepted.

Plans Basic Enhanced Enhanced Plus Premiere

Prescription Drugs

(paid at 80%)

$500 per year

$1,250 per year

$1,250 per year $2,500 per year

Dental Care

Not covered

Not covered

Supplementary & Ongoing Care   - 80%

Year 1: $700

Year 2: $850

Year 3+: $1,000 / year

Supplementary & Ongoing Care - 80%, Major Services - 60% Year 1: $800
Year 2: $1,000
Year 3+: $1,500 /year

Vision Care

$150 + $60 eye exam per 2 benefit years

$200 + $60 eye exam per 2 benefit years

$200 + $60 eye exam per 2 benefit years

$300 + $60 eye exam per 2 benefit years

Acupuncturists, Dietitians, Chiropractors,  Osteopaths, Podiatrists, Naturopaths, Chiropodists, Registered Massage Therapists, Physiotherapists

20 visits per specialist per anniversary year

$15 max per visit

$600 combined per anniversary year

$600 combined per anniversary year

$650 combined per anniversary year

Hospital - Preferred hospital accommodation

 $175/day paid at 50% up to max of 150 days/year

$175/day paid at 100% for first 60 days and

at 50% next 90 days

$175/day paid at 100% for first 60 days and

at 50% next 90 days

$100/day paid at 100% for first 100 days and

at 60% next 90 days

Travel (optional) - requires an additional premium

15-day or 30-day trip length, Maximum of $5,000,000 per trip, $200 deductible

 9-month stability clause,  Maximum issue age is 69, Termination at age 80

Included with all plans: Homecare and nursing, Prosthetic appliances, Durable medical equipment, LifelineŽ Personal Response Service, Health Service Navigator with World-Class Medical Second Opinions, Accidental dental, Ambulance, Hearing aids, Accidental death & dismemberment, Survivor benefits

For more detailed information about FollowMe Health & Dental insurance plans, please CLICK HERE.

 

Get an Instant Quote or Apply Online

 

 

 

 

GMS - Replacement Health Plans

If you apply within 60 days of your loss of group benefits, your application is automatically accepted.

Plans 

EssentialPlan

ChoicePlan

PremierPlan

Prescription Drugs

No coverage

Paid at 80%

to $1,250 maximum per year

Paid at 80%
to $2,500 maximum per year

Dental Care

80% preventative & basic

50% major

$1,000 combined maximum

80% preventative & basic

50% major

$1,250 combined maximum

80% preventative & basic

50% major

$1,500 combined maximum

Vision Care

(eye wear and eye exams)

$100 /2 years combined maximum

$150 /2 years combined maximum

$300 /2 years combined maximum

Acupuncturist, dietitian, chiropractor, osteopath, chiropodist/podiatrist, naturopath, chiropodist, massage therapist, clinical psychologist, speech therapist, physiotherapist

50% to $600 combined

maximum

80% to $600 combined

 maximum

100% to $600 combined maximum

Private & Semi-Private Hospital Accommodations

80% to $2,000 combined maximum

80% to $5,000 combined maximum

80% to $10,000 combined maximum

Travel (emergency medical)

$1,000,000 lifetime maximum Out-of-Canada travel ends at age 80

No coverage

7 days out of Canada
183 within Canada
90 day stability for 69 & under 180 day stability for age 70+ 

15 days out of Canada
183 within Canada
90 day stability for 69 & under

180 day stability for age 70+ 

Included with all plans: Homecare and nursing, Prosthetic appliances, Durable medical equipment, Accidental dental, Ambulance, Hearing aids, Orthopedic shoes & custom made foot orthotics

Please refer to the Policy Wording for complete details (terms, conditions and limitations).

 

Get an Instant Quote or Apply Online

 

 

 

 

Green Shield Canada - Health Assist LINK

If you apply within 90 days of your loss of group benefits, your application is automatically accepted.

Plans LINK 1 LINK 2 LINK 3 LINK 4

Prescription Drugs

 (paid at 80%)

Year 1: $500

Year 2: $650

Year 3+: $800 / year

Year 1: $750

Year 2: $900

Year 3+: $1,100 / year

Year 1: $1,200

Year 2: $1,350

Year 3+: $1,500 / year

Year 1: $2,300

Year 2: $2,400

Year 3: $2,500

Year 4+: $2,700 / year

Dental Care 

Maximums for all Dental services combined

Not covered

Year 1: $600
Year 2: $800
Year 3+: $1,000 / year

Year 1: $750
Year 2: $1,000
Year 3+: $1,250 / year

Year 1: $1,000
Year 2: $1,250
Year 3+: $1,750 / year

Dental Care - Basic & Comprehensive Services  

Not covered 

Paid at 80%

Paid at 80% Paid at 80% 

Dental Care - Major and Orthodontic Services

Not covered  Not covered 

Major Services
Available in Year 3,
Paid at 50%
Orthodontic - Not covered

Available in Year 3,
Paid at 60%
Orthodontic - $2,000 lifetime maximum

Vision Care

$150 + $50 eye exam

per 2 benefit years

$200 + $50 eye exam

per 2 benefit years

$250 + $65 eye exam

per 2 benefit years

$300 + $80 eye exam
per 2 benefit years

Chiropractor, Chiropodist/ Podiatrist, Naturopath, Osteopath, Physiotherapist

15 visits per specialist

 per  year

$20 max per visit

$300 per specialist 

per  year

$400 per specialist

per  year

$600 per specialist

$1,200 combined 

per  year

Massage Therapist, Acupuncturist

15 visits per specialist

per year

$20 max per visit

15 visits per specialist

per year

$20 max per visit

20 visits per specialist

per year

$20 max per visit

30 visits per specialist

 per year

$20 max per visit

Psychologist, Registered Social Worker

$600 per year
combined
$600 per year
combined
$600 per year
combined
$600 per year
combined

Speech Therapist

$300 per year $300 per year $400 per year $600 per year

Hospital - Preferred hospital accommodation

 $200 per day

max of 30 days / year

$200 per day

max of 30 days / year

$200 per day

max of 30 days / year

$250 per day

max of 30 days / year

Travel

Max of $5,000,000 per year

10 days per trip 10 days per trip 15 days per trip 15 days per trip

Included with all plans: Accidental dental, Ambulance, Hearing aids, Homecare and nursing, Prosthetic appliances, Durable medical equipment, Custom made boots or shoes, custom made foot orthotics, Compression stockings, Diabetic supplies, Mobility aids and more.

 

Get Your Quote or Buy ONLINE

 

NOTE: The product-related information is for illustration purposes only. For complete benefits, terms, conditions, limitations and exclusions, please refer to the Policy wording.  

 

 

If you have questions or concerns feel free

Ask a Question

Please call at 1-877-443-0101, 416-493-0101 for more information and quotes

 

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Revised: August 19, 2020