Help, I Don’t Have Workplace Benefits! Can I Get Health Insurance?

Woman with red hair and a denim shirt looking surprised
Being without employer health insurance doesn’t mean you’re without options to help you safeguard your health. In fact, there are many avenues to finding the right health insurance plan for your unique needs.

Whether you are winding down your pace of work or launching into your career, having the safeguard of health insurance is an investment in your future. But, if you are not a full-time employee enjoying the health benefits that an organization provides, you do need to take steps to put your own protection in place.

In fact, there are several options you can explore to secure the health coverage you need.

Why Do You Need Health Insurance?

Before diving into the options, let’s understand why health insurance matters

Protection against unexpected costs

Medical expenses can quickly add up for things other than visiting the doctor or going to the hospital (which are covered under your government health plan). Whether it’s a routine dental check-up, prescription medications, or getting therapy, having health insurance shields you from significant out-of-pocket costs. Without coverage, a sudden illness or injury could lead to financial stress.

Timely access to healthcare

Health insurance ensures that you can promptly access medical services when needed – you won’t hesitate to seek medical care, when necessary, because of the out-of-pocket costs, and your plan may include access to virtual care services. Delays due to lack of coverage can worsen health conditions. Timely care improves outcomes and prevents complications.

Knowing you’re covered provides peace of mind. Health insurance reduces your anxiety about unexpected health events.

If you have a full-time employer, you will most likely have health benefits. In fact, if you work permanent part-time, you have a 50/50 chance of having employer health coverage. But, if you don’t work, are retired, work for yourself or only work on contract or other part-time basis – you are right: you do need help to ensure you have your own health insurance in place. And take the time to review if your employer benefits really meet your needs.  Having your own health insurance plan can fill in the gaps and provide extra protection for you and your family.

What is a personal health insurance plan?

Personal health insurance plans are designed for individuals who don’t have access to group insurance through their employer (or who want to fill in any gaps in an employer health plan or to be prepared to be without one). These plans offer comparable benefits and coverage, ensuring that you’re protected even if you’re a freelancer, contract worker, or part-time employee.

Here are some reasons you should consider putting a plan in place:

  • Personal plans are flexible, and you can choose the coverage level, deductibles, and additional features to meet your unique needs
  • Your coverage stays with you for your lifetime, regardless of job changes or location, for as long as you continue to pay for your coverage.
  • If you are waiting for your group benefits to kick in, your personal coverage is in place.
  • If you’re worried about losing employer health benefits, apply for a personal health insurance plan before or within 90 days from when your group coverage ends.

Apply now

What’s covered under personal health insurance?

Health insurance plans cover a range of services, including dental visits, drug costs, hospital rooms, vision care, massage therapy, physiotherapy, medical equipment, and even travel insurance. Some plans are guaranteed issue with a few simple questions (and your premium payment) and some plans require you to answer medical questions to qualify for coverage.

Here’s a great plan option for you: Manulife’s Health and Dental Guaranteed Issue Plan. If you have pre-existing health conditions and need personal health and dental insurance, you are guaranteed acceptance into this plan, regardless of your health status. No medical questionnaire or evidence is required. It’s available to everyone over the age of 18 with provincial health coverage, whether you have never had personal health insurance before or are coming off a group plan. It provides coverage for

  • up to $2,500 in coverage for prescription drugs, even for pre-existing conditions
  • Dental care coverage for exams, cleaning, fillings, and oral surgery
  • Vision care: prescription lenses, frames, contact lenses, and laser eye surgery (up to $200 every two years).
  • Mental health therapy with coverage for psychologists, registered social workers, and more.
  • Nursing, ambulance, and medical equipment.
  • Emergency medical travel insurance for up to 10 days per trip
  • 24/7 virtual healthcare access with TELUS Health Virtual Care

For more information on this plan, click here.

Remember, safeguarding both your health and finances is crucial

Personal health insurance plans are designed to help protect against out-of-pocket health care costs not covered by your government’s health insurance plan. If you are a resident of Canada, over the age of 18 and covered by a government healthcare plan, you are eligible to apply for coverage.

Having health care coverage helps you handle the costs of medical treatments when they are needed, and health insurance will deliver preventative healthcare tools to help you lead a healthier lifestyle.

The best thing is that by having your own health insurance coverage in place you can count on it for as long as you pay your premiums. You get steady coverage if you are working full-time, part-time, between gigs or changing projects — your plan is with you every day.

SBIS is always ready to help you

At SBIS we can help you explore options to find the right health insurance plan for your unique needs, choose wisely, and invest in your health—it’s the best decision you can make for yourself and your loved ones. There’s lots of information out there. Speaking with us at SBIS is an effective way to sort some of it out. Is Manulife’s Guaranteed Issue Plan just what you are looking for? It may be – but if not, we have a huge number of other plan options from leading Canadian insurers that will be. Give us a call today or go online to apply for coverage for you and your loved ones. We are always ready to help – just go online or give us a call today.

2 Responses

  1. pension from Sun Life (Gen. Motors), messed up my Green shield benefits, 82 yrs. old, require health coverage. Any chance of help that won’t break the bank?

    1. Hi Patricia, thank you for reaching out. As a broker we have multiple options to meet your needs and budget. I will email you directly, however if you check back to your comment before you find my email please give us a call at 1-800-667-0429 to inform us about your situation and we will do the best to assist you.


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