How To Get A Great Health Insurance Quote When You Need One

Family in hands
Provincial health insurance in Canada provides basic coverage for a handful of medical expenses. There are many products and services not covered by your government plan. That’s why purchasing a supplemental health insurance plan can ensure you have the coverage you need to protect your family from the cost of an unexpected injury and illness.

Health insurance is called ‘supplemental’ because it covers healthcare costs not covered by your government plan, like some medical, dental, or other health-care costs you and your family might face day-to-day. Health insurance helps you cover these costs so you can avoid paying out-of-pocket, needing to ask loved ones or family members for money, or dipping into your savings to cover the costs of an illness or injury.

To choose your health insurance plan, it makes sense to get numerous health insurance quotes from different insurers. Obtaining quotes will help you select a plan that fits your budget and meets your needs. There are several ways to get pricing for health insurance plans.

Online from an insurance carrier

If you are like most people, you will start your search for health insurance online, hoping to discover the best product selection and save time and money by virtually browsing through an insurer’s offerings. The problem is you may not understand all of the options or spend more time than you expect comparing plans. Want information from more than one insurer? You will need to visit each carrier’s website and provide any information they require to give you a quote. (And do you really know which insurers provide health insurance?)

When you get health insurance quotes online, it’s more convenient than contacting the insurers by phone because you don’t have to do it during normal business hours. However, if you have questions, you may not be able to get answers right away. You may need to submit them via email and wait for someone to get back to you.

If may be possible to contact the insurance carrier directly. If you can, your phone call will be greeted with an automated queue before you are connected to a representative. This person asks questions about your medical history and the medical history of anyone who will be covered under the plan. The answers you provide will be used to determine your eligibility so it’s important for you to provide accurate information.

When you call an insurer, you may be able to get a health insurance quote over the phone, or you may have to wait until the insurer has had time to process the information you give them.

Going directly to insurance carriers for quotes can be time consuming because you have to seek out each insurer, go online or call them separately. Plus, some insurance carriers don’t sell directly to the public. They only work through brokers, so you may miss plans that meet your needs.

SBIS Products

Getting quotes from a broker, like SBIS

Contacting a broker is the fastest way to get multiple quotes from different insurers. Brokers sell plans from a variety of health insurance carriers and have access to plans that may not be available to the public. When you work with a broker, you make a single phone call to get access to a wide range of plans that meet your needs. Brokers are equipped to evaluate your needs, answer questions you have and make recommendations about the Canada health insurance plans available in the marketplace.

When you get health insurance quotes from a broker, you save time because you don’t have to contact each insurer directly. But you still get the benefit of comparing different plans from different carriers so you can find the one that offers the best value for your money. And, you don’t pay any more than if you had gone directly to an insurer.

An insurance broker like SBIS can make things so much easier – all at no cost to you! You can call us, and you will speak with a live expert immediately who will go over some questions and help you figure out what kind of plan would best suit your needs. Our representative will also go over what your options are if you have a pre-existing health condition, or if you are leaving a group benefit plan , and present you options for a new individual health plan that doesn’t require any medical questions.

The best part is that when you work with SBIS, you will get the information needed to compare plans and make the right choices. We will get to work to educate you on your options, so you don’t have to sift through all the information alone and

  • Compare quotes for you so you understand your choices
  • Find specialty coverage to fit your unique needs
  • Provide online purchase options for your convenience
  • Talk to you by telephone – only when YOU want to consult with an expert.

At SBIS, we explain what is covered under each plan, such as medications, vision care, specialist treatments and more. We also explain the benefits of each plan and what your premium may be.

Once you know what you’ll be paying each month, you’ll probably find that the cost of having health insurance protection is sensible compared to the potential costs if you didn’t have a health insurance plan at all.

SBIS helps after you have chosen your plan

After you put your health insurance plan in place, you may need to make changes – and at SBIS we will help you with great customer service for things like

  • A change in dependent status, adding a new dependent or even a name change
  • Changing your address (even if you move provinces, your plan will go with you)
  • Updating your premium payment information like a bank account change
  • Upgrading or downgrading your coverage to fit your needs.

If you have any questions about changes to your health insurance plan, don’t hesitate to call us. And if you have a problem with your health insurance claim? With SBIS, you have a champion in your corner. We will assist throughout the process and offer tips that can help you make your health and travel insurance claims. If there are any issues you have the real peace of mind that we will work on your behalf to help you get the most out of your insurance coverage. We are your advocate and the industry professional in your corner – at no extra cost.

Call SBIS to get a great quote today

SBIS representatives are friendly experts who take your call and help you with your questions. We can even help after you’ve already purchased a plan to make any changes that need to be made. Don’t put off getting the health insurance you need any longer. Call us Monday to Friday 8:45 a.m. – 4:45 p.m. Eastern Time at 1-800-667-0429 or 416-601-0429 – we’re happy to help.

And you can read more about Special Benefits Insurance Services here.


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