HEALTH INSURANCE QUOTE AND EXPERT TIPS

Why Choose LSM Insurance for health insurance?

  • Serving Canadians across the country for over 25 years
  • Access to multiple health insurance plans
  • One of the largest Canadian life insurance brokerages
  • We work with more life insurance companies than the majority of brokers (20+ insurers)

 

LSM Insurance is accredited by:

 

 

 

Get a health insurance quote today or ask questions

Health and Dental Insurance Quote

Name *
Phone *
Email
Your Date Of Birth
OHIP (Provincial Health Insurance)
Comment
* Please Confirm Your Contact Details Are Correct

Sample health insurance quotes

Female, age 40, dental and vision only, Manulife FlexCare plan including dental coverage 70% (year 1), 80% (year 2+) – increases from $500 to $1,000/pp/yr; other dental coverage: 80% – root canal, 50% – major services

Best quote:
$56 per month

Male, age 44, non-smoker, no serious health pre-conditions, extensive dental, visual and prescription drugs benefits, Manulife ComboPlus Enhanced plan

Best quote:
$154 per month

Female, age 25, non-smoker, no serious health pre-conditions, extensive dental, visual and prescription drugs benefits, Manulife ComboPlus Enhanced plan

Best quote:
$154 per month

* Please note that health insurance quoting is very complex and quotes above were calculated for particular insured profiles; each quote depends on numerous variables and can widely vary depending on person’s profile and coverage chosen.

What does health insurance cover?

Health insurance can cover numerous health care costs that are not covered under your provincial plan, such as:

  • Prescription drugs
  • Vision care, including eye exams, glasses, and contact lenses
  • Dental care
  • Practitioners such as physiotherapists, etc.
  • Travel insurance and travel emergency medical services
  • Ambulance and other health care services and medical equipment

Interested in health insurance or have questions? Please complete the form above.

When do you need health insurance?

In many cases, health benefits are provided by your employer as a part of a group plan, but there are particular cases when you might need health insurance coverage:

  1. Your employer does not provide group benefits, as is the case with many small businesses or startups.
  2. You left your current employment and do not have health benefits any more.
  3. You work as a freelancer and need to take care of your benefits yourself.
  4. Your existing benefits (via an existing position or via your spouse) are not extensive enough and you need to top them up.

Interested in health insurance or have questions? Please complete the form above.

What is important to know when you get health insurance?

There are some things that are important to know if you are planning to get health benefits.

  1. Explore the market: There are many providers on the market offering various packages; pricing can vary greatly. It is a good idea to work with an experienced insurance broker who knows the various plans and can advise you on which plan will be your best fit. Some plans are catered for more advanced dental services, others focus on drug prescriptions.
  2. Only partial benefits are available at the beginning: Very often, insurance providers do not offer full benefits in the first years of coverage, and then cap them at a pre-defined value. This is done to prevent the situation where people buy insurance only to pay for a treatment while knowing that they already have an issue. As an example, if you purchase dental coverage with a maximum value of $3,000 per year, in the first year, you might be able to expense a maximum of $750, in the 2nd year $1,500, and $2,500 in the 3rd year. In any year after that, your coverage will be capped at a maximum of $3,000 per year.
  3. Tailor the health plan to your situation: There is often no point in paying for things that you do not need. If your main focus is on getting overall round-up coverage, there is no point in getting coverage offering extra high coverage for prescription drugs – these are tailored for people with chronic diseases. Choose the pieces of your coverage wisely and make sure that you are cost-savvy.

Interested in health insurance or have questions? Please complete the form above.

What are the most frequent health insurance myths?

  1. A provincial plan always covers me: There are many things that are not covered by provincial plans, such as OHIP in Ontario. Most emergency issues will be covered, but other health care services, such as regular dental or vision care, will not be covered.
  2. A provincial plan covers me when I am travelling: This is a dangerous myth that has proven many times to lead to costly mistakes. Your provincial plan covers only a couple hundred dollars per day in medical costs, but in some countries, such as The United States, one night in a hospital can cost over $10,000.
  3. Once I purchase health insurance, I am fully covered: As mentioned earlier, your health insurance coverage is often capped at values that are lower in the first two years, and later has a maximum cap.

Interested in health insurance or have questions? Please complete the form above.

Testimonials

Fred Cross:

“… I wanted to thank you for the excellent service you provided. You were very thorough in your explanations and I wouldn’t hesitate to refer you in the future.…”

Riyaz:

“…My wife, Farzana and I were shopping for insurance back in 2006 when we came across LSM Insurance and Jack.

He gave us all the time we needed and went through the various options in great detail and answered all questions to our satisfaction…”

Frank Guilllaume:

“…Thank you Andrew for helping me, you explained to me how to find the right coverage at a price that I can afford for my family. He was slow and helped me understand what I needed…”

Mary and Phil:

“…We found Jack Bendahan to be a very personable and professional young man who met with us in our own home to discuss the various options available.…”

One Comment

  1. Let’s Talk About Schizophrenia 06/12/2008 at 5:26 am

    […] the cost of medications prescribed to someone with schizophrenia should be covered by provincial health insurance plans. In Toronto, 60 per cent of residents surveyed are willing to pay an extra $1 in taxes every year […]

Skip to
second column

Head Office: 2900 John Street Suite #302 Markham, L3R 5G3
Office 1-866-899-4849, 905.248.4849 Fax 905.300.4848


© LSM Insurance Services Ltd. 1998-2018