Tips to choosing a health plan | victoria health services

There are many things to consider when choosing a plan. The more you know and understand what options are available, the more likely you are to find the right plan for you. Consider the following to help guide your decision when choosing coverage.

1.  Do you have all the coverage you need?
   Provincial government health plans, (MSP and PharmaCare), cover only the basic medical needs such as a visit to your physician or hospital care. Supplementary health coverage includes medical services and supplies NOT covered by your provincial health care plans. This includes coverage for prescription drugs, medical equipment and supplies, select services from registered medical practitioners, vision care, dental care and more.
2. Why do you need coverage even if you’re healthy?
   You need to obtain coverage before any unforeseen future accident or sickness since most individual health plans don’t cover the costs for conditions you have or may have had for a period of time prior to purchase.
3. Does the health plan cover you while traveling?
   Even if your health plan includes some travel coverage, in most cases, it may not provide enough financial protection in the event of a serious illness or injury. Travel coverage can be purchased on its own and gives you the option to include additional travel coverage which provides up to $5 million in coverage and it pays first, before your health plan.
4. Are you looking for dental coverage only?
   Individual plans also provide coverage for gaps that may exist in your employer sponsored health plan.
5. What is the health insurer’s reputation for service?
   The service your benefit provider provides is as important as the benefits you choose. Are they known for quick and hassle-free claim payments? How friendly and professional are their representatives? Do they offer easy-to-use self-service? Do your homework and shop around. Seek advice before purchasing a health plan.
6. Be sure to consider all of your options carefully
   You’re looking for a plan to help protect you and your family from the unexpected costs of health care. You want a plan that provides the coverage that you’re looking for — at a reasonable cost.

* Diversified Health offers the service of direct billing for your health treatments, so you have one less chore to deal with.