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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
Choose your type of 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, Lifeline® Personal Response Service, Health Service Navigator with World-Class Medical Second Opinions, Accidental dental, Ambulance, Hearing aids, Accidental death & dismemberment, Survivor benefits

Get an Instant Quote or Apply Online

Manulife Financial Flexcare Plans

Choose your type of coverage	Drug and Dental Coverage	Dental Coverage	Dental Coverage
Choose your type of 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, Lifeline® 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

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, Lifeline® 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 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).

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 Apply 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.

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

or Ask Your Question Online

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