Health Coverage That Fits Your Life
Flexible, affordable plans made just for you.
Individual health insurance helps you manage the cost of medical care, from prescriptions to dental to vision.
Compare personalized plans online and find the right fit for your health and budget.
COVERAGE
Individual Health Coverage Summary
Individual health insurance plans (also referred to as “personal” or “family” health insurance) typically offer the following benefits, some of which may be optional:
Prescription Drug Coverage
Vision care (eyeglasses, exams, etc.)
Registered specialists and therapists
Hospital rooms & Ambulance transportation
Dental Benefits (basic, preventive and major dental services)
Durable medical equipment
Get The Information You Need in Minutes:
Free Services We Offer
Compare instant quotes from leading Canadian benefit companies side-by-side.
No-cost assistance in purchasing your personal health insurance (we can help with any issues during the underwriting process).
Purchase family health and dental benefits online.
Free consultation with a licensed, experienced Canadian insurance broker is available ONLY if you would like to talk to an insurance expert over the phone.
Compare Plans
For the full details concerning coverage (e.g. paramedicals, etc.) please see the health plan details page
Manulife Coverage: FollowMe & Flexcare
FollowMe is Manulife’s guaranteed acceptance health and dental insurance plan for Canadians. Manulife FollowMe Health Insurance is a “conversion plan” designed for people who have lost their employee benefits coverage within the last 90 days. Manulife Flexcare plans offer customizable options such as optional add-ons and targeted protection for specific needs. Check out all Manulife plans we offer below:
Guaranteed Acceptance Insurance
If you have a pre-existing condition, have medical history, or prefer not to answer medical questions, a guaranteed acceptance health and dental plan could be the ideal option as acceptance is guaranteed. Specific conditions apply, and we can assist you in determining the most suitable plan for your needs. Click here for more information.
Health and Dental Conversion Plans
If you have a pre-existing condition, have medical history, or prefer not to answer medical questions, a guaranteed acceptance health and dental plan could be the ideal option as acceptance is guaranteed. Specific conditions apply, and we can assist you in determining the most suitable plan for your needs. Click here for more information.
Frequently Asked Questions
Are birth control pills (contraception) covered?
Refer to the following list for details concerning insurance carriers and whether or not they cover birth control pills:
FlexCare: Enhanced plans only (e.g. ComboPlus enhanced, DrugPlus
enhanced, etc.).
Blue Cross: all health plans with prescription drug coverage.
Sonata: no coverage for birth control pills.
Sun Life Financial: the Enhanced plan covers birth control pills.
When does my benefits coverage start?
This depends on the insurance carrier you select, but usually coverage will commence once the first day of the next month after your first payment installment has been received.
What are eligible prescription drugs?
Eligible prescription drugs are drugs with a DIN # ( drug identification number) that are prescribed by a physician.
Fertility drugs are generally excluded, except in the FlexCare Enhanced plans.
Some lifestyle drugs and experimental drugs that have not been approved by the Medical Association are excluded.
Some mixed drugs that have an SN number but no DIN number are not covered.
Over-the-counter drugs are not eligible medications.
Reimbursement of drugs is based on the lowest-cost generic equivalent if available, on all individual health plans.
For more detailed information, please see our article “Prescription Drugs and Health Insurance“.
I’m retiring. Do you have insurance plans for me?
Yes! Click here to find out health plans for retiring employees.
What is Manulife Vitality?
Manulife Vitality Add-On is for individuals looking for premium discounts on healthy living. Learn more here,
How many personal health insurance quotes can I get?
You can get as many quotes as you would like, there is no limit.
Can I come back at a later date and then purchase family health insurance?
Yes, you can come back to our site at any time to either get more health quotes or to purchase health and dental benefits. Take as much time as you would like to decide what is best for you!
What does Blue Cross offer in Ontario?
See which health insurance plans Blue Cross offers in Ontario here!