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Nova Scotia Health Insurance

Choose from multiple coverage options in two minutes or less.

Nova Scotia health insurance

Explore options for health insurance in Nova Scotia

As the cost of healthcare continues to rise, having the appropriate coverage is more important than ever. Without it, a single illness or injury could cost you thousands of dollars in medical expenses, wreaking havoc on your finances.

Special Benefits Insurance Services offers a wide array of Nova Scotia Health Insurance plans to residents to offset the cost of care you receive when you’re sick or injured. But don’t wait until you experience a medical emergency to apply for a plan. If you do, you may not be able to get the coverage you need. Purchasing a plan now can help protect you and your family today and in the future.

The advantages of Special Benefits Insurance Services

To ensure a vast array of coverage options in Nova Scotia, we offer products from Manulife Financial, GMS and Green Shield Canada so you can choose the plan that is right for you and your family. Regardless of your health history or current health status, we have a solution for you. We provide Nova Scotia Health Insurance plans to

Fill in the gaps left by your provincial plan

Although the government provides health insurance coverage to all Canadian residents through the provincial insurance plans, those plans cover only a handful of basic services. If you want a treatment that isn’t covered, you’re responsible for paying for the cost out of your own pocket unless you have an individual supplemental health insurance plan. The health plans offered through SBIS cover a variety of services that aren’t covered by Nova Scotia’s provincial plan, including prescription drugs, registered therapist visits, semi-private or private hospital accommodations, home support services and much more.

We have a partnership with Green Shield Canada to exclusively offer the Prism Spectra®, Prism Precision®, and Prism Continuum® plans for a flexible, affordable health insurance plan that suits your needs and your budget.

We also are pleased to offer insurance products from Manulife Financial in Nova Scotia, including the Flexcare®, FollowMe™, and Association programs. With add-ons that allow you to customize your Nova Scotia Health Insurance policy, you can make sure you only pay for the coverage you need.

Through GMS, we offer plans to help you take care of your health and wellness so you can live life to its fullest, no matter what stage of life you’re in.

No matter which carrier you choose, our plans offer varying levels of protection at different price points. Both guaranteed and underwritten options are available. Even if you’ve experienced health issues in the past, you may still be able to get the protection you need. With a wide range of plans to choose from, you can select the one that meets your coverage needs and fits your budget.

Prism health insurance plans

Prism Spectra®

The Prism Spectra program is a great option if you are healthy and don’t currently have health and dental coverage in place and are looking for comprehensive coverage complemented by high benefit maximums.

Prism Precision®

The Prism Precision program may be right for you if you are looking for a practical alternative for health and dental coverage for services and treatments that are not covered by the government. No medical questionnaire required, and coverage is guaranteed, even for pre-existing conditions.

Prism Continuum®

The Prism Continuum program may be your best solution if you, your spouse, or your dependents are losing, or have lost your company group health benefits within the last 90 days and are looking for guaranteed coverage even with pre- existing conditions.

Please click on each Prism® tab below to see the different plan details and rates

The Prism Spectra program is another option if you are leaving a company group plan or don’t currently have health and dental coverage in place and are looking for comprehensive coverage complemented by high benefit maximums.

The Prism Precision program may be right for you if you are looking for a comprehensive dental plan. There are 2 dental options to choose from P3 and P4; both of which have varying dental maximums. Both of these plans also include coverages for services and treatments that are not covered by the government. No medical questionnaire required, and coverage is guaranteed, even for pre-existing conditions.

The Prism Continuum program may be your best solution if you, your spouse, or your dependents are losing, or have lost your company group health benefits within the last 90 days and are looking for guaranteed coverage even with pre-existing conditions.

Manulife health insurance plans

SBIS is also proud to offer residents of Manitoba the option of purchasing health insurance from Manulife Financial. We provide access to the Flexcare®, FollowMe™ and Association plans so you can develop a custom insurance solution based on your highly individualized insurance needs. Some program features include

Manulife Flexcare®

Manulife FollowMe™

Manulife Guaranteed Issue Enhanced Plan

Manulife Association®

Please click on each Manulife® tab below to see the different plan details and rates

GMS Health Insurance plans

Some say the cost of overall healthcare in Nova Scotia is a little lower than in most of Canada, but healthcare costs continue to go up. GMS Health Insurance plans cover things that Nova Scotia’s MSI doesn’t cover, and that saves you from facing the stress of unforeseen out-of-pocket healthcare expenses.

GMS Personal Health Plans: Bundled to give you peace of mind when it comes to your medical needs and those of your family, you can choose from three base plans and add on the extras you need—like prescription drug and dental coverage and even medical travel insurance.

GMS Replacement Health Plans: If you and your family have depended on group benefits but face a future without them, GMS’s three Replacement Health plans offer guaranteed coverage if you apply within 60 days of leaving your group plan. It’s simple to apply.

Please click on each GMS tab below to see the different plan details and rates

Why choose SBIS?

In Nova Scotia, it can be overwhelming to shop for health insurance and select the plan that’s right for you and your family. When you work with us, we simplify the process. We’re the perfect partner to help you find the plan you need when you want to enhance your health insurance coverage. When you choose SBIS, you get:

Contact us today to get the coverage you and your family need with a Nova Scotia Health Insurance Plan.