Home >
Personal Health & Dental Insurance
>
Guaranteed Issue Plans
Health & Dental Insurance
with Coverage for Pre-existing Conditions
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.
Most 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.
However,
insurance companies also offer Guaranteed
issue (or Guaranteed acceptance) Health & Dental Plans
that
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. But overall coverage provided by these plans is less than
under
medically underwritten health & dental insurance plans.
The following Guaranteed issue Health & Dental plans
from Manulife, GMS, Green Shield are available. Explore
the plans, get your instant ONLINE quotes, choose your
best option and buy directly from the insurance company,
or call us for assistance .
Guaranteed
Acceptance, Quick Issue Plans
Summary of Benefits and Quick Online Quotes
● Manulife Financial -
Enhanced Guaranteed Issue Plan
● Manulife Financial -
Association Plans
● Manulife Financial -
Flexcare Plans
● Green Shield Canada -
ZONE Plans (Zone 1,2,3 & Fundamental
plans)
Health Insurance Plans after Your Group Benefits Ended:
Summary of Benefits and Quick Online Quotes
● Manulife Financial -
FollowMe (apply within 90 days of your loss of group benefits)
● GMS - Replacement Health Plans
(coverage starts within 90 days of your loss of group benefits)
● Green Shield Canada -
Health Assist LINK Plans
(apply within 90 days of your loss of group benefits)
Guaranteed
Acceptance, Quick Issue Plans, No Medical Questionnaire
 |
Manulife
Association Plans
& Enhanced
Guaranteed Issue Plan
|
Choose your type of coverage
|
Drug and Dental Coverage
|
Drug and Dental Coverage
|
Dental Coverage
|
Base
|
Enhanced guaranteed issue plan
|
Base, Bronze,
Silver, Gold
|
Prescription Drugs
|
Paid at 70% of first $750
to $525 maximum
per year
|
80% co-insurance
Plan max
$2,500/year
Included in annual max: $500 for Lifestyle drugs
|
Not covered |
Dental Care
- Basic and Supplementary
|
Paid at 70%
$400 per year maximum
|
Paid at 80%
$450 per year maximum
|
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
|
$200 per 2 benefit years plus $60 for
optometrist visits per 2 benefit years
|
$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
|
80% co-insurance
$500 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
|
 |
|
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
Back to Top
⇑
Your
Group Benefits Expire
Soon and
You Need 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 of your loss of group
health and dental benefits, your application will be automatically
accepted.
 |
Manulife Financial
FollowMe
Plans
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
|
$1,300 per year
|
$1,300 per year |
$2,600 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%,
Year 1: $800
Year 2: $1,000
Year 3+: $1,500 /year Major Services - 60% commencing in Year 2
|
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
|
$200/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.
 |
GMS - Replacement Health Plans
If your
policy starts within
90 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).
 |
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.
|
NOTE:
The product-related information is for illustration purposes
only. For complete benefits, terms, conditions, limitations
and exclusions, please refer to the
Policy wording.
Please call at 1-877-443-0101,
416-493-0101 for more information
and quotes,
or Ask Your Question Online
Back to Top
⇑
|