Canada Health Insurance

Canada Health Insurance
Dental Insurance
About Dental Insurance
Coverage Details
Preventive Treatment
Drug Coverage
About Drug Coverage
Coverage Details
Fees and premiums
Choosing a Plan
Health Insurance Basics
Basic Insurance Plans
Health Insurance Plans
Stages of Insurance
Enhanced Plans
How to Compare Plans
Government Coverage
Canadian Health Insurance Quotes
Health Insurance Options
Group Insurance
Group Health Insurance
Business Advantages
Small Business Insurance Plans
Family Health Insurance
Other Insurances
Individual Health Insurance
Self Employed Health Insurance
Senior Health Insurance
Short-Term Health Insurance
Travel Health Insurance
Critical Illness Insurance
Vision Health Insurance
Immigrant Health Insurance
Guaranteed Health Insurance
Extended Health Insurance
Podiatrist Services
Speech Therapist Services
Naturopath Services

Self Employed Health Insurance

Facebook Twitter YouTube Blog RSS

This page is intended to provide self employed individuals in Canada with general information pertaining to self employed health insurance.

Even though all citizens of Canada are provided with access to medical care by the Canadian government’s federal and/or provincial programs, these programs do not provide coverage for every health condition or situation.

Many individuals receive group health insurance coverage through their employer, but for those who are self employed, the bonus of health insurance becomes their responsibility. Obtaining supplemental self employed health insurance ensures that you are covered for the medical care and services that are not included in the federal and provincial plans. Self employed persons should determine what is covered by their government plans, what is not, and what coverage is currently needed or might be needed in the future.

Self Employed Health InsuranceWhy do I need supplemental self employed health insurance?
The purchase of a supplemental self employed health insurance plan can provide coverage for medical care and services that are not completely covered by the federal/provincial programs, such as a private room in the event of hospitalization, preventative care, private nursing care, and cosmetic surgery. Supplemental health plans also offer coverage for prescription drugs, prescription eye glasses/contacts, laser eye surgery, comprehensive dental coverage, as well as professional treatment by chiropractors, massage therapists, psychologists, podiatrists, plastic surgeons, and other types of specialists.

When shopping for self employed health insurance, asking the right questions will ensure that you get the coverage you need at a price you can afford.

Below are some pertinent questions you should ask a potential insurance provider:

  • Will I be required to undergo a medical exam prior to being approved for coverage, and if so, what types of examinations will I have to undergo?
  • Is coverage effective immediately upon approval of the application?
  • Does the plan cover pre-existing conditions, and what is considered to be an existing condition?
  • What is covered under the plan and what is excluded?
  • How does the plan’s coverage differ from the government plan?
  • Does the plan cover visits to specialists or special procedures?
  • Does the plan cover prescription eye glasses/contacts and dental care?
  • What type of prescription drug coverage is provided by the plan?
  • How do I file a claim, and how and when do I receive reimbursement for claims?
  • What will be the monthly cost of the plan, and what methods of payment are accepted?
  • What happens if I accidentally miss a payment?
  • Will my premiums increase as I get older or if particular health issues arise?
  • Is there a deductible that applies to the plan, and if so, how much is it?

Although you may deem researching and obtaining self employed health insurance tedious and time-consuming, proper coverage for your particular self-employed situation is important for your health, your well-being, and your finances. Unexpected illness or injury can result in significantly high expenses that could leave you with financial concerns. While supplemental health insurance typically requires your budget to include an additional monthly payment, the advantages far outweigh the costs.