When it comes to improving your well-being, affordability is one of the top barriers you can face. Almost everyone needs to improve their health and well-being, it’s hard to be motivated and have the right mental health ‘head space’ to focus especially with a busy schedule that includes work and family needs.
Putting health insurance in place is about ensuring you have the resources and support needed to live a healthy, fulfilling life.
How health insurance can help your well-being
Once you have health insurance in place, you can be better motivated to take steps to improve your well-being. Here are three ways health insurance helps
1. Access to Preventive Care
Affordable health insurance often includes coverage for preventive services such as annual dental check-ups and tools to engage you in proper health maintenance. The preventive treatment that is covered can help you stop problems before they occur. Properly treating an injury with physiotherapy, for example, can prevent the serious long-term implications of chronic pain as you age. Even serious conditions that we don’t necessarily associate with our overall health can be better managed through preventive care, helping you stay healthy.
2. Financial Protection
Medical expenses can be overwhelming, especially in the event of unexpected health issues. If you only have your government health coverage you are left with too many important healthcare costs not covered, and out-of-pocket expenses you may not be able to afford when you need them. You may have to make a difficult choice between skipping a beneficial treatment option or going into debt to get the treatment that could resolve your health problems. If those treatments include something like prescription drug therapy, this choice could have serious long-term implications for your health.
Even if you have no need for these additional services now, you never know what might happen a few months or years from now. An individual health insurance policy provides a safety net, covering a portion of many healthcare costs. This financial protection ensures that you can focus on maintaining your health and well-being or recovering from a health event without the added stress of extra medical bills.
3. Comprehensive Health Benefits
Affordable health insurance plans typically offer a range of benefits, including mental health services to help you feel better balanced, prescription drug coverage, and visits to the dentist. You will be covered for some costs for treatment by specialists, including psychologists, massage therapists, chiropractors, acupuncturists, physiotherapists, and more. These comprehensive benefits ensure that you have access to the necessary resources to maintain both your physical and mental well-being.
There are many affordable health insurance options
At SBIS we offer hundreds of health insurance options – and here are two affordable options from great Canadian health insurance providers
- Health Plus Insurance PRIORITY and OPTIMUM plans were designed to offer you and your family a better option for affordable health insurance whether you own a business, are an employee, freelance, or work on contract. Both plans provide comprehensive coverage for health services, prescription drugs, basic and major restorative dental, paramedical services, travel emergency health, and more. If you’re in good health, Health Plus is an excellent choice, with low rates that don’t go up with age. Plus, plans come with wellness benefits, including LifeWorks Employee and Family Assistance Program, and pharmacogenetic testing to make sure you are taking the right medication for your DNA.
If you want Health + Dental + Travel + Wellness a Health Plus plan is a great option.
- Manulife Guaranteed Issue Enhanced health and dental plan is affordable coverage packed with other healthcare benefits too. Best of all your acceptance is guaranteed even if you have a pre-existing condition. No needles, no nurses, no questions asked — just great coverage. Guaranteed. Great for you and your family too.
And your Guaranteed Issue Enhanced plan includes TELUS Health Virtual Care for 24/7 access to healthcare practitioners online, through the app and easy access to lab results, prescriptions, refills, and referrals. You also get TELUS LivingWell Companion for 6 months every 3 years for live access to emergency assistance 24 hours a day, 7 days a week.
Can you afford not to have health insurance?
You are eligible to apply for an individual health insurance plan if you are a Canadian resident 18 years of age or older who has provincial health insurance coverage. Everyone eligible qualifies for an affordable guaranteed acceptance plan.
You can take your coverage with you when you change jobs (or have no job at all), unlike coverage provided by an employer. Once you put an individual health and dental insurance plan in place, it is yours regardless of changes in your employment or health. If you are in between jobs, choosing to be a consultant, are a stay-at home parent or retire – and still have health insurance coverage in place. And, if you move to a different province, you will still be covered.
Your individually owned health insurance coverage is guaranteed to continue to protect you every year as long as you continue to pay the policy’s premiums. That’s what makes health insurance part of a strong financial foundation for your entire lifetime.
With your affordable coverage in place, you will be covered regardless of your age, even if you develop a health condition that needs continual treatment.
Call SBIS today to take steps towards protecting your well-being
Investing in affordable health insurance is one of the best decisions you can make, not only for yourself but for those around you. When you’re healthy and well, you’re more productive, energetic, and able to enjoy life to the fullest.
Don’t wait to prioritize your health. Explore affordable health insurance options from SBIS today and take the first step towards a healthier, happier you. If you have any questions or need assistance, we’re here to help you find the best plan that suits your needs. Your well-being is our priority!
