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Is the price the same if I use Aeva versus purchasing a plan elsewhere?
Yes. Aeva always features the most competitive rates available in the Canadian health insurance marketplace. Whether you are considering Alberta Blue Cross, Canada Life, Manulife, or Sun Life, you can trust Aeva to offer the best possible rates.
Using Aeva to find your health insurance policy does not increase the cost compared to purchasing directly from the provider.
Using Aeva to find your health insurance policy does not increase the cost compared to purchasing directly from the provider.
Are MRI's covered by health insurance plans in Canada?
No.
MRI's (magnetic resonance imaging) are typically covered by provincial health care plans in all provinces and territories except Quebec. Therefore, they are not usually included in private health insurance plans.
MRI's (magnetic resonance imaging) are typically covered by provincial health care plans in all provinces and territories except Quebec. Therefore, they are not usually included in private health insurance plans.
Which prescription drugs are covered under health insurance plans?
All health care plans have a drug formulary (i.e. a 'list of drugs' that are covered under the plan).
The drug formulary will vary from one plan to the next.
Insurance companies do not publish their drug formularies publicly, as doing so could potentially result in poorer health outcomes for patients.
E.g. a doctor may be more inclined to prescribe a patient 'Drug A' versus 'Drug B' knowing 'Drug A' is covered and 'Drug B' is not - even though the patient should really be prescribed Drug B for their condition being treated.
If there is a particular medication you are uncertain about, a member of Aeva Support can potentially clarify with the insurance company(ies) if it is covered under their respective formulary.
The drug formulary will vary from one plan to the next.
Insurance companies do not publish their drug formularies publicly, as doing so could potentially result in poorer health outcomes for patients.
E.g. a doctor may be more inclined to prescribe a patient 'Drug A' versus 'Drug B' knowing 'Drug A' is covered and 'Drug B' is not - even though the patient should really be prescribed Drug B for their condition being treated.
If there is a particular medication you are uncertain about, a member of Aeva Support can potentially clarify with the insurance company(ies) if it is covered under their respective formulary.
Are orthodontics covered by health insurance?
Most health and dental insurance plans generally do not cover orthodontics.
The few plans that do typically offer limited orthodontic coverage, for example, 50% coverage up to a maximum of $2,000 per lifetime. These plans also usually have a waiting period of about 2 years before the orthodontic benefit becomes available.
The few plans that do typically offer limited orthodontic coverage, for example, 50% coverage up to a maximum of $2,000 per lifetime. These plans also usually have a waiting period of about 2 years before the orthodontic benefit becomes available.
Can I buy health insurance coverage for family visiting from overseas?
A prerequisite for any health care plan in Canada is that you must already be a Canadian resident and covered by a provincial or territorial government health care plan.
If you have family visiting, we suggest you obtain Visitors to Canada insurance, which is a form of Travel Insurance designed for this purpose.
If you need assistance with Visitors to Canada insurance, an Aeva representative can help you upon request by emailing support@aeva.ca.
If you have family visiting, we suggest you obtain Visitors to Canada insurance, which is a form of Travel Insurance designed for this purpose.
If you need assistance with Visitors to Canada insurance, an Aeva representative can help you upon request by emailing support@aeva.ca.
Can I customize a health insurance plan to suit my needs?
Yes, you can customize a health insurance plan to suit your needs, but it will depend on your specific plan.
Most health insurance plans offer optional add-ons that you can choose to include in order to better match your unique personal requirements. For instance, travel add-ons may be available to provide coverage for emergency medical expenses when you are traveling outside your home province.
This flexibility allows you to tailor your health insurance policy, whether it’s with Alberta Blue Cross, Canada Life, Manulife, or Sun Life, to fit your lifestyle and coverage needs.
Most health insurance plans offer optional add-ons that you can choose to include in order to better match your unique personal requirements. For instance, travel add-ons may be available to provide coverage for emergency medical expenses when you are traveling outside your home province.
This flexibility allows you to tailor your health insurance policy, whether it’s with Alberta Blue Cross, Canada Life, Manulife, or Sun Life, to fit your lifestyle and coverage needs.
Why do health insurance companies need to know about my pre-existing conditions?
Disclosing your pre-existing conditions is most relevant for Medically Underwritten health care plans.
With Medically Underwritten plans, by getting the opportunity to review your health history, the insurance company can potentially offer you a more comprehensive plan at a lower relative cost (i.e., better value).
The caveat to Medically Underwritten plans is that while they will offer better value to those who qualify medically, they will exclude (i.e., not cover) health conditions that you are already being treated for or taking medication for. These health conditions are referred to as 'pre-existing conditions'.
Pre-existing conditions are disclosed on a simple questionnaire. Medical tests such as blood or urine samples are not required when applying for health care plans.
For those who do not qualify medically for a Medically Underwritten plan, there are Guaranteed Acceptance plans available that will cover pre-existing conditions without need for a medical questionnaire.
With Medically Underwritten plans, by getting the opportunity to review your health history, the insurance company can potentially offer you a more comprehensive plan at a lower relative cost (i.e., better value).
The caveat to Medically Underwritten plans is that while they will offer better value to those who qualify medically, they will exclude (i.e., not cover) health conditions that you are already being treated for or taking medication for. These health conditions are referred to as 'pre-existing conditions'.
Pre-existing conditions are disclosed on a simple questionnaire. Medical tests such as blood or urine samples are not required when applying for health care plans.
For those who do not qualify medically for a Medically Underwritten plan, there are Guaranteed Acceptance plans available that will cover pre-existing conditions without need for a medical questionnaire.
I'm turning 65, do I need to buy prescription drug coverage?
When you turn 65, you may be eligible for prescription drug coverage under your provincial or territorial government health care plan.
However, these plans often have a limited drug formulary, meaning that not all medications are covered. An individual health care plan from insurance providers like Alberta Blue Cross, Canada Life, Manulife, or Sun Life typically offers a more comprehensive formulary.
This means some or all of the medications you take, or may need to take in the future, might not be covered by your provincial plan but could be covered by an individual health insurance plan.
Beyond prescription drug coverage, individual health care plans often include additional benefits valuable as you age, such as home health care, mobility devices, and hearing aids.
However, these plans often have a limited drug formulary, meaning that not all medications are covered. An individual health care plan from insurance providers like Alberta Blue Cross, Canada Life, Manulife, or Sun Life typically offers a more comprehensive formulary.
This means some or all of the medications you take, or may need to take in the future, might not be covered by your provincial plan but could be covered by an individual health insurance plan.
Beyond prescription drug coverage, individual health care plans often include additional benefits valuable as you age, such as home health care, mobility devices, and hearing aids.
How much will a health care plan cost?
The cost of a health insurance plan, often referred to as the 'premium,' varies based on several key factors:
- Your province of residence
- The specific health insurance plan you choose
- The age of the individuals covered under the plan
- The number of people insured under the plan (larger families typically pay more than smaller families)
- Any optional add-ons or additional coverage included in your plan
At Aeva.ca, we help Canadians compare plans from top providers like Alberta Blue Cross, Canada Life, Manulife, and Sun Life to ensure you find the best match for your needs and budget.
Do I need a medical exam to get health insurance coverage?
No, there is no physical or other medical exam required to qualify for any health or dental care plan.
Medical exams are common for other forms of insurance, such as Life, Disability, and Critical Illness insurance.
Medical exams are common for other forms of insurance, such as Life, Disability, and Critical Illness insurance.
Do health care plans include travel insurance?
Many health insurance plans include travel insurance benefits, particularly Emergency Travel Medical coverage, which handles emergency medical costs incurred while traveling outside your home province.
However, not all health insurance plans include travel benefits by default. If travel insurance is not included, most providers offer optional add-ons so you can customize your plan to include travel coverage if desired.
However, not all health insurance plans include travel benefits by default. If travel insurance is not included, most providers offer optional add-ons so you can customize your plan to include travel coverage if desired.
Can I be denied health insurance coverage?
As long as you are covered by provincial healthcare, you will always be offered coverage when you apply for a health insurance plan through Aeva.
It is possible to be declined for a Medically Underwritten plan due to your medical history.
You can always apply for a Guaranteed Acceptance plan, regardless of whether you have pre-existing conditions or have been declined for coverage (e.g., declined for a Medically Underwritten plan).
It is possible to be declined for a Medically Underwritten plan due to your medical history.
You can always apply for a Guaranteed Acceptance plan, regardless of whether you have pre-existing conditions or have been declined for coverage (e.g., declined for a Medically Underwritten plan).
How do I choose the best health insurance plan?
Aeva shows you all the health insurance plans available in your local province or territory.
It's important to understand that with health insurance, you generally get what you pay for. A higher cost plan will tend to offer more money for more benefits, treatments, and services. Conversely, a lower cost plan will tend to offer less money for fewer benefits, treatments, and services.
The best health insurance plan for you and your family will depend on your budget and what you can sustainably afford.
It's important to understand that with health insurance, you generally get what you pay for. A higher cost plan will tend to offer more money for more benefits, treatments, and services. Conversely, a lower cost plan will tend to offer less money for fewer benefits, treatments, and services.
The best health insurance plan for you and your family will depend on your budget and what you can sustainably afford.
What is the cheapest health insurance plan?
Aeva shows you all the health insurance plans available to you in your local province or territory.
Using Aeva, you can filter the available plans according to your budget.
It's important to understand that with health insurance, you generally get what you pay for. A higher-cost plan will typically offer more extensive coverage, including more benefits, treatments, and services. Conversely, a lower-cost plan will offer less extensive coverage, with fewer benefits, treatments, and services.
Using Aeva, you can filter the available plans according to your budget.
It's important to understand that with health insurance, you generally get what you pay for. A higher-cost plan will typically offer more extensive coverage, including more benefits, treatments, and services. Conversely, a lower-cost plan will offer less extensive coverage, with fewer benefits, treatments, and services.
Can you cancel health and dental insurance?
Yes, you can cancel your health and dental insurance plan at any time.
However, there may be a waiting period if you decide to re-enroll in a plan after cancellation. To learn more about specific policies from Alberta Blue Cross, Canada Life, Manulife, and Sun Life, visit our website Aeva.ca.
However, there may be a waiting period if you decide to re-enroll in a plan after cancellation. To learn more about specific policies from Alberta Blue Cross, Canada Life, Manulife, and Sun Life, visit our website Aeva.ca.
What is co-insurance in health insurance?
Co-insurance is an amount paid by the insured person on health and dental claims, expressed as a percentage.
For example, Prescription Drugs may be covered at 80% on your plan. This means 80% is the co-insurance, and you must pay the remaining 20% out-of-pocket.
This is different from a copay (short for copayment), which is a flat fee paid by the insured person for certain health care services.
Most health and dental plans will have some amount of co-insurance, though the percentage will vary. Some plans may also have a copay while others may not.
For example, Prescription Drugs may be covered at 80% on your plan. This means 80% is the co-insurance, and you must pay the remaining 20% out-of-pocket.
This is different from a copay (short for copayment), which is a flat fee paid by the insured person for certain health care services.
Most health and dental plans will have some amount of co-insurance, though the percentage will vary. Some plans may also have a copay while others may not.
Do health insurance plans cover pre-existing conditions and medications I am already taking?
There are three types of plans available, each treating pre-existing conditions and medications differently.
Guaranteed Acceptance plans will cover pre-existing conditions and medications without requiring a medical questionnaire.
Guaranteed Issue plans cater to those leaving an employee group benefits plan, covering pre-existing conditions and medications without a medical questionnaire if you transition within 60-90 days of your group benefits terminating.
Medically Underwritten plans exclude pre-existing conditions and medications, only covering new conditions and medications after the coverage starts.
Guaranteed Acceptance plans will cover pre-existing conditions and medications without requiring a medical questionnaire.
Guaranteed Issue plans cater to those leaving an employee group benefits plan, covering pre-existing conditions and medications without a medical questionnaire if you transition within 60-90 days of your group benefits terminating.
Medically Underwritten plans exclude pre-existing conditions and medications, only covering new conditions and medications after the coverage starts.
What do health insurance plans include?
You can compare all the plan details using Aeva's plan comparison tool.
Health insurance plans cover numerous health care expenses that are not covered under your provincial/territorial plan, such as:
Plans will vary in terms of which benefits they include, so it is important that you understand what is included in the plan of your choosing.
Health insurance plans cover numerous health care expenses that are not covered under your provincial/territorial plan, such as:
- Prescription drugs
- Dental care
- Licensed health care practitioners (e.g. physiotherapists, massage therapists, chiropractors etc.)
- Vision care (e.g. eye exams, glasses, & contact lenses)
- Travel medical insurance
- Ambulance (ground/air), as well as other health care services & medical equipment
Plans will vary in terms of which benefits they include, so it is important that you understand what is included in the plan of your choosing.
Do I need to be in good health and under a certain age to apply for health insurance?
No.
There are Guaranteed Acceptance health insurance plans available that do not require a medical questionnaire and can be applied for at any time. These plans are ideal for individuals who may not qualify for a Medically Underwritten health insurance plan due to their health history.
There are Guaranteed Acceptance health insurance plans available that do not require a medical questionnaire and can be applied for at any time. These plans are ideal for individuals who may not qualify for a Medically Underwritten health insurance plan due to their health history.
Do contractors get health and dental insurance?
Contractors typically do not receive health and dental insurance from their employers, so they are often responsible for obtaining their own coverage.
Aeva.ca offers a range of health insurance plans suitable for self-employed individuals, including options from Alberta Blue Cross, Canada Life, Manulife, and Sun Life. By using Aeva's brokerage services, contractors can find the best policy to meet their healthcare needs.
Aeva.ca offers a range of health insurance plans suitable for self-employed individuals, including options from Alberta Blue Cross, Canada Life, Manulife, and Sun Life. By using Aeva's brokerage services, contractors can find the best policy to meet their healthcare needs.
What is individual health and dental insurance?
Health and dental care plans are sometimes referred to as 'individual,' 'private,' 'extended,' or 'supplemental' health and dental insurance.
These are all synonymous terms and really just different labels attempting to describe the exact same thing. That is: a health and dental insurance plan that you own, you pay for, and you control. You have a direct relationship with the insurance company.
When they are referred to as 'extended' or 'supplemental,' it is because they are designed to extend (aka supplement) your provincial government health care plan.
When they are alternatively referred to as 'private' or 'individual,' it is because they are paid for and owned by you - as opposed to paid for by someone else on your behalf (e.g., an employer or the government).
These are all synonymous terms and really just different labels attempting to describe the exact same thing. That is: a health and dental insurance plan that you own, you pay for, and you control. You have a direct relationship with the insurance company.
When they are referred to as 'extended' or 'supplemental,' it is because they are designed to extend (aka supplement) your provincial government health care plan.
When they are alternatively referred to as 'private' or 'individual,' it is because they are paid for and owned by you - as opposed to paid for by someone else on your behalf (e.g., an employer or the government).
Who is eligible for health and dental insurance plans?
To be eligible for health and dental insurance plans, you must be covered by a provincial government health care plan. This ensures that basic health care services are already in place, making you qualified for additional coverage options provided by companies like Alberta Blue Cross, Canada Life, Manulife, and Sun Life.
If you are looking for assistance in finding the best health insurance policy, Aeva.ca can help guide you through various options to match your specific needs.
If you are looking for assistance in finding the best health insurance policy, Aeva.ca can help guide you through various options to match your specific needs.
Is it worth having a health insurance plan?
The choice of having an individual health insurance plan for you and your family is a personal one.
As with any form of insurance, you don't always need it, but when you do, you're usually glad you have it.
If you insure your home or your car, why would you not also insure your own health—which is arguably the most valuable of all these items?
An individual health insurance plan helps cover unforeseen expenses which are not covered by a government health insurance plan.
e.g. prescription drugs, supplemental costs of surgeries, consultations with licensed health care practitioners, dental and vision appointments, etc.
As with any form of insurance, you don't always need it, but when you do, you're usually glad you have it.
If you insure your home or your car, why would you not also insure your own health—which is arguably the most valuable of all these items?
An individual health insurance plan helps cover unforeseen expenses which are not covered by a government health insurance plan.
e.g. prescription drugs, supplemental costs of surgeries, consultations with licensed health care practitioners, dental and vision appointments, etc.
How quickly will my health or dental claim(s) be paid?
Though it can vary from one insurance company to the next, you can generally expect to receive payment within approximately 5-6 business days.
Submitting your claims online helps to ensure that all required information is obtained and that your claims are received and processed faster.
Alternatively, you can submit claims manually using a paper form. Naturally, paper forms are more error-prone and can result in longer processing times. For this reason, using online claims is advisable.
Submitting your claims online helps to ensure that all required information is obtained and that your claims are received and processed faster.
Alternatively, you can submit claims manually using a paper form. Naturally, paper forms are more error-prone and can result in longer processing times. For this reason, using online claims is advisable.
What qualifies as a life event for health insurance?
Life events are significant occurrences such as getting married, having a child, or losing your employee group benefits.
These life events may make you eligible to make changes to your health insurance plan outside of the normal open enrollment periods.
For instance, if you have recently had a child, you can potentially add them to your plan within a certain period without needing the child to qualify medically—usually within 30 days of birth.
If you've experienced a life event, please contact support@aeva.ca at your earliest convenience so that we can assist with potential next steps where appropriate.
These life events may make you eligible to make changes to your health insurance plan outside of the normal open enrollment periods.
For instance, if you have recently had a child, you can potentially add them to your plan within a certain period without needing the child to qualify medically—usually within 30 days of birth.
If you've experienced a life event, please contact support@aeva.ca at your earliest convenience so that we can assist with potential next steps where appropriate.
How do you determine which health insurance plan is primary?
This is referred to as 'Coordination of Benefits'. While there are a number of different possible scenarios, the most common is when a couple is covered under two separate plans.
In such a scenario, you will always submit claims in the following sequence:
1. Your own benefits plan first.
2. Your spouse’s plan (for any remaining unpaid amounts from step 1 above). Likewise, your spouse’s claims should be submitted to their own plan first.
A full blog post going deep on this subject can be found here: https://aeva.ca/blog/what-is-coordination-of-benefits
In such a scenario, you will always submit claims in the following sequence:
1. Your own benefits plan first.
2. Your spouse’s plan (for any remaining unpaid amounts from step 1 above). Likewise, your spouse’s claims should be submitted to their own plan first.
A full blog post going deep on this subject can be found here: https://aeva.ca/blog/what-is-coordination-of-benefits
Does legal separation affect your health insurance?
Separated partners can choose to keep each other on their health insurance policy; however, when people legally separate, they often opt for separate health insurance plans suited to their individual needs.
Insurance providers such as Alberta Blue Cross, Canada Life, Manulife, and Sun Life offer a range of plans to cater to different circumstances. If you're navigating health insurance options due to legal separation, Aeva.ca can help you find the best health insurance policy tailored to your new situation.
Insurance providers such as Alberta Blue Cross, Canada Life, Manulife, and Sun Life offer a range of plans to cater to different circumstances. If you're navigating health insurance options due to legal separation, Aeva.ca can help you find the best health insurance policy tailored to your new situation.
How long can my child remain on my health and dental plan?
The duration for which your child can remain on your health and dental plan varies depending on the policy provider.
Manulife:
Dependent children can stay on their plan up to the age of 21.
Sun Life:
Dependent children can stay on their plan up to the age of 21, or up to age 25 if they are enrolled in a post-secondary program.
Canada Life:
Dependent children can stay on their plan up to the age of 21, or up to age 25 if they are enrolled in a post-secondary program. Most group benefit plans cover children to the age of 21 if they are not in school, or up to age 25 if they are enrolled in a post-secondary program.
Manulife:
Dependent children can stay on their plan up to the age of 21.
Sun Life:
Dependent children can stay on their plan up to the age of 21, or up to age 25 if they are enrolled in a post-secondary program.
Canada Life:
Dependent children can stay on their plan up to the age of 21, or up to age 25 if they are enrolled in a post-secondary program. Most group benefit plans cover children to the age of 21 if they are not in school, or up to age 25 if they are enrolled in a post-secondary program.
How important is health insurance?
Health insurance is crucial for protecting against unexpected medical expenses. An unforeseen health issue, like a diagnosis requiring costly medication, can be financially devastating.
Health insurance plans cover expenses not included in your provincial government plan, providing broader financial protection for various health-related needs.
Health insurance plans cover expenses not included in your provincial government plan, providing broader financial protection for various health-related needs.
Can I add stepchildren to my health and dental plan?
Yes, you can add stepchildren to your health and dental insurance plan. Generally, they need to be unmarried and dependent on you for maintenance and support.
In addition to stepchildren, biological and adoptive children can also be covered under your health and dental insurance as long as you have legal guardianship.
In addition to stepchildren, biological and adoptive children can also be covered under your health and dental insurance as long as you have legal guardianship.
Can I add grandchildren to my health and dental insurance plan?
Typically, only immediate family members in your household are eligible to be covered under your health and dental plan.
However, a grandchild can be added as a dependent if you have legal guardianship and they reside with you.
However, a grandchild can be added as a dependent if you have legal guardianship and they reside with you.
Can I add or remove my spouse to my health and dental plan?
Yes, you can add or remove your spouse from your health and dental insurance plan. However, depending on the policy, underwriting may be required, meaning your spouse might need to qualify medically. This could involve answering medical questions.
Adding or removing a spouse can occur at any time during the lifetime of the policy. Depending on the situation, the difference in premium will either be billed or refunded accordingly.
Adding or removing a spouse can occur at any time during the lifetime of the policy. Depending on the situation, the difference in premium will either be billed or refunded accordingly.
Do I need dental insurance?
Dental coverage is often bundled with health insurance plans, but you also have the option to choose health care coverage only. Deciding whether to have dental insurance is a personal choice.
If you and your family visit the dentist frequently, dental insurance could offer more value for you compared to those who visit less often.
Dental coverage acts more like a financing arrangement rather than traditional insurance. Dental expenses are typically not as financially devastating as major health care costs.
To explore this topic further, read our full blog post: Is Dental Insurance Important to Have?
If you and your family visit the dentist frequently, dental insurance could offer more value for you compared to those who visit less often.
Dental coverage acts more like a financing arrangement rather than traditional insurance. Dental expenses are typically not as financially devastating as major health care costs.
To explore this topic further, read our full blog post: Is Dental Insurance Important to Have?
When are children eligible for health and dental insurance?
Dependent children are eligible to be added to your health care plan at birth.
If you have a newborn child, you can usually add them to your plan without medical underwriting provided you apply to do so within 30 days of birth.
If you have a newborn child, please email support@aeva.ca for assistance in adding them to your plan.
If you have a newborn child, you can usually add them to your plan without medical underwriting provided you apply to do so within 30 days of birth.
If you have a newborn child, please email support@aeva.ca for assistance in adding them to your plan.
When should I apply for health and dental insurance?
There are several ideal times to apply for health and dental insurance. Here are the key instances when you should consider it:
- When you are young and have relatively little health history.
- When you turn 21 and are no longer a 'dependent' under your parents' plan. This could extend to age 25 if you were a full-time student attending post-secondary (depending on the plan your parents have).
- When you become a Canadian citizen and are covered by a provincial government health care plan.
- When you leave your employer and lose your employee group benefits (applying within 60 days is best).
- When you separate from a spouse and need to find your own plan.
- When you decide to become self-employed.
- When your employee group benefits are insufficient, and you wish to supplement with your own plan.
Is medical marijuana covered by health insurance?
Medical marijuana coverage can vary depending on your health insurance plan. Be sure to review your plan's specifics.
To qualify for coverage, medical marijuana must be obtained from a licensed producer and prescribed by a licensed healthcare practitioner.
Please note that seeds or plant materials used to grow cannabis are not eligible for coverage.
To qualify for coverage, medical marijuana must be obtained from a licensed producer and prescribed by a licensed healthcare practitioner.
Please note that seeds or plant materials used to grow cannabis are not eligible for coverage.
Where can I find my health and dental plan numbers?
You can find your health and dental Plan numbers and ID numbers on your wallet cards that come with your welcome kit and health insurance policy documents.
If you're unable to locate your Plan and ID numbers, please email support@aeva.ca and we'll be glad to assist in recovering these numbers for you.
If you're unable to locate your Plan and ID numbers, please email support@aeva.ca and we'll be glad to assist in recovering these numbers for you.
How do I submit health insurance claims online?
Each insurance company will have its own secure client portal you can use for submitting your claims electronically.
Instructions for getting registered for online claims will be included with your policy documents. You will need your Plan and ID numbers in order to register for online claims successfully.
If you aren't yet registered for online claims, please use the following links:
Manulife Plans:
http://manulife.ca/secureserve
Sun Life Plans:
http://mysunlife.ca/
Canada Life Plans:
https://my.canadalife.com/
If you need assistance, please email support@aeva.ca.
Instructions for getting registered for online claims will be included with your policy documents. You will need your Plan and ID numbers in order to register for online claims successfully.
If you aren't yet registered for online claims, please use the following links:
Manulife Plans:
http://manulife.ca/secureserve
Sun Life Plans:
http://mysunlife.ca/
Canada Life Plans:
https://my.canadalife.com/
If you need assistance, please email support@aeva.ca.
Are diabetic supplies covered by health insurance?
Diabetic supplies may be eligible for coverage depending on your health insurance plan. Please review your policy details or contact your provider to confirm specific coverage for diabetic supplies.
At Aeva, we assist Canadians in comparing and selecting health insurance plans from Alberta Blue Cross, Canada Life, Manulife, and Sun Life to find the one that best suits their medical needs, including potential coverage for diabetic supplies.
At Aeva, we assist Canadians in comparing and selecting health insurance plans from Alberta Blue Cross, Canada Life, Manulife, and Sun Life to find the one that best suits their medical needs, including potential coverage for diabetic supplies.
Which health insurance plans cover brand-name medications?
Some health insurance plans, typically top-tier plans, do cover brand-name medications.
Other plans may cover brand-name medications up to the cost of their generic equivalent.
Use the Aeva plan comparison tools to find which plans cover brand-name medications or speak with an Aeva representative for further assistance.
Other plans may cover brand-name medications up to the cost of their generic equivalent.
Use the Aeva plan comparison tools to find which plans cover brand-name medications or speak with an Aeva representative for further assistance.
Can I get health and dental coverage if I recently moved to Canada?
If you've recently moved to Canada, individual health and dental plans require that you be covered by a provincial or territorial government health insurance plan.
If you aren't yet covered by government health insurance, we recommend seeking a travel insurance product known as 'visitors to Canada'. This type of insurance is designed to provide coverage until you are eligible for provincial or territorial health and dental plans.
Speak with an Aeva advisor, and they can assist you in finding the right plan.
If you aren't yet covered by government health insurance, we recommend seeking a travel insurance product known as 'visitors to Canada'. This type of insurance is designed to provide coverage until you are eligible for provincial or territorial health and dental plans.
Speak with an Aeva advisor, and they can assist you in finding the right plan.
Are birth control drugs covered by health insurance plans?
Birth control drugs may be covered depending on the specifics of your health insurance plan. Coverage can vary significantly between providers such as Alberta Blue Cross, Canada Life, Manulife, and Sun Life. We recommend reviewing your plan details or consulting with an Aeva health insurance expert to ensure you have the coverage you need for contraceptives and other medications.
If you are unsure about your plan's coverage, Aeva.ca can help you find the best health insurance policy to match your needs.
If you are unsure about your plan's coverage, Aeva.ca can help you find the best health insurance policy to match your needs.
How long does it take for a health insurance application to be approved?
The time for health insurance application approval varies based on the type of plan.
For *Guaranteed Issue* and *Guaranteed Acceptance* plans, your coverage becomes effective on the 1st of the next month after both the application and payment are received.
For *Medically Underwritten* plans, your coverage will be effective on the 1st of the next month after the application is approved (subject to medical qualification) and payment is received. These plans can take longer to approve because the insurance company needs to obtain and review records from your attending physician(s). On average, this process takes about 3 weeks but may take longer if there are difficulties in obtaining medical records.
For *Guaranteed Issue* and *Guaranteed Acceptance* plans, your coverage becomes effective on the 1st of the next month after both the application and payment are received.
For *Medically Underwritten* plans, your coverage will be effective on the 1st of the next month after the application is approved (subject to medical qualification) and payment is received. These plans can take longer to approve because the insurance company needs to obtain and review records from your attending physician(s). On average, this process takes about 3 weeks but may take longer if there are difficulties in obtaining medical records.
Which health insurance plans cover pre-existing conditions?
There are three different types of health care plans:
Each type of plan has a different approach to 'pre-existing conditions'.
Medically Underwritten Plans:
Will exclude pre-existing conditions. Conditions that are considered chronic in nature will generally be excluded on a permanent basis, while conditions that are acute in nature may be excluded initially with the potential to be reconsidered after a period of time (e.g., 12, 24, 36, 48 months).
Guaranteed Issue Plans:
Will cover pre-existing conditions, so long as you apply within 60-90 days of your employee group benefits terminating (some insurance companies offer 60 days to make this transition, while others 90 days).
Guaranteed Acceptance Plans:
Will always cover pre-existing conditions. An in-depth blog post article can be found here: https://aeva.ca/blog/what-are-exclusions-for-pre-existing-conditions-how-do-they-work
- Medically Underwritten
- Guaranteed Issue
- Guaranteed Acceptance
Each type of plan has a different approach to 'pre-existing conditions'.
Medically Underwritten Plans:
Will exclude pre-existing conditions. Conditions that are considered chronic in nature will generally be excluded on a permanent basis, while conditions that are acute in nature may be excluded initially with the potential to be reconsidered after a period of time (e.g., 12, 24, 36, 48 months).
Guaranteed Issue Plans:
Will cover pre-existing conditions, so long as you apply within 60-90 days of your employee group benefits terminating (some insurance companies offer 60 days to make this transition, while others 90 days).
Guaranteed Acceptance Plans:
Will always cover pre-existing conditions. An in-depth blog post article can be found here: https://aeva.ca/blog/what-are-exclusions-for-pre-existing-conditions-how-do-they-work
When are my health and dental insurance premiums due?
Premium due dates for health and dental insurance premiums can vary significantly between providers. Knowing the exact dates can help you stay on top of your payments and ensure continuous coverage.
Manulife:
Premiums are due on the 1st business day of each month.
Canada Life:
Premiums are due on the 15th of each month.
Sun Life:
Premiums are due any day between the 1st to 28th of any given month. You can specify your preferred date at the time of application.
Manulife:
Premiums are due on the 1st business day of each month.
Canada Life:
Premiums are due on the 15th of each month.
Sun Life:
Premiums are due any day between the 1st to 28th of any given month. You can specify your preferred date at the time of application.
When does my health and dental coverage start?
When your health and dental coverage starts depends on the type of plan you're applying for, such as Guaranteed Issue, Guaranteed Acceptance, or Medically Underwritten plans.
For Guaranteed Issue and/or Guaranteed Acceptance plans:
Your coverage generally starts on the 1st of the following month after your application has been submitted and payment received.
For Medically Underwritten plans:
Your coverage generally starts on the 1st of the month after your plan is approved and you've accepted the offer.
Waiting Periods:
Note that as soon as your coverage starts, you can access most of the benefits in your plan. Some benefits may have a waiting period, meaning a period of time must elapse before you can use certain benefits, often found on dental and/or vision benefits. Please refer to your policy documents for more details.
For Guaranteed Issue and/or Guaranteed Acceptance plans:
Your coverage generally starts on the 1st of the following month after your application has been submitted and payment received.
For Medically Underwritten plans:
Your coverage generally starts on the 1st of the month after your plan is approved and you've accepted the offer.
Waiting Periods:
Note that as soon as your coverage starts, you can access most of the benefits in your plan. Some benefits may have a waiting period, meaning a period of time must elapse before you can use certain benefits, often found on dental and/or vision benefits. Please refer to your policy documents for more details.
What is a pre-existing condition in health insurance?
A 'pre-existing condition' means any condition that existed prior to the effective date of your health care plan.
Pre-Existing Condition means any disease or physical condition, whether diagnosed or not, for which symptoms occurred or medical treatment was sought, recommended, required, or obtained, from or by a Physician (medical treatment including any medical advice, consultation, care, diagnosis, treatment or service provided by a Physician), or for which drugs were prescribed by a Physician or taken by an Insured Person, during the 24-month period immediately preceding the Effective Date of Coverage.
An in-depth blog post article can be found here: https://aeva.ca/blog/what-are-exclusions-for-pre-existing-conditions-how-do-they-work
Pre-Existing Condition means any disease or physical condition, whether diagnosed or not, for which symptoms occurred or medical treatment was sought, recommended, required, or obtained, from or by a Physician (medical treatment including any medical advice, consultation, care, diagnosis, treatment or service provided by a Physician), or for which drugs were prescribed by a Physician or taken by an Insured Person, during the 24-month period immediately preceding the Effective Date of Coverage.
An in-depth blog post article can be found here: https://aeva.ca/blog/what-are-exclusions-for-pre-existing-conditions-how-do-they-work
How can I obtain my annual receipt or statement from the insurance company?
To retrieve your annual health insurance receipt, log in to your chosen insurance company's secure online client portal, which includes providers like Alberta Blue Cross, Canada Life, Manulife, and Sun Life.
Alternatively, you can call your insurance company using their toll-free customer service numbers to request an annual statement or receipt be sent to you.
Alternatively, you can call your insurance company using their toll-free customer service numbers to request an annual statement or receipt be sent to you.
How do I update my payment information with my insurance company?
To update your payment information with your health insurance provider, you can call their toll-free number. This option is available for carriers like Alberta Blue Cross, Canada Life, Manulife, and Sun Life.
Additionally, most insurance companies offer a secure online client portal where you can easily update your payment details. Simply log in with your credentials to make the necessary changes.
Additionally, most insurance companies offer a secure online client portal where you can easily update your payment details. Simply log in with your credentials to make the necessary changes.
Why should I have health and dental insurance?
Ensuring you have individual health and dental insurance is essential to cover costs not included in your provincial government health care plan. These out-of-pocket expenses can include prescription drugs, treatments by licensed health care practitioners, dental visits, vision care, and even ground/air ambulance rides. Without the right health insurance policy, these costs can accumulate rapidly, impacting your financial well-being. Health and dental insurance offer peace of mind by protecting you from unexpected medical expenses.
With health insurance brokerage services like Aeva, Canadians can find the best health insurance plans from top providers such as Alberta Blue Cross, Canada Life, Manulife, and Sun Life. This ensures you get comprehensive coverage tailored to your specific needs.
With health insurance brokerage services like Aeva, Canadians can find the best health insurance plans from top providers such as Alberta Blue Cross, Canada Life, Manulife, and Sun Life. This ensures you get comprehensive coverage tailored to your specific needs.
How can I update my contact information with my health insurance company?
Each health insurance company typically offers a toll-free number you can call to update your contact information.
Additionally, many insurance providers, such as Alberta Blue Cross, Canada Life, Manulife, and Sun Life, have secure online client portals where you can conveniently update your details.
Additionally, many insurance providers, such as Alberta Blue Cross, Canada Life, Manulife, and Sun Life, have secure online client portals where you can conveniently update your details.
What if I change my mind after I apply for health insurance?
If you are not completely satisfied with your health insurance policy, let an Aeva representative know as soon as possible by emailing support@aeva.ca.
We will communicate with the insurance company, including Alberta Blue Cross, Canada Life, Manulife, or Sun Life, to cancel your coverage and refund any unused premiums paid (if any).
We will communicate with the insurance company, including Alberta Blue Cross, Canada Life, Manulife, or Sun Life, to cancel your coverage and refund any unused premiums paid (if any).
What costs does my provincial government health care plan cover?
Canada has 13 different health insurance plans - one for every province and territory.
As benefits can and do vary from one province/territory to the next, we encourage you to check your local health authority website for exact details.
That said, government health care plans will generally not cover the following expenses:
As benefits can and do vary from one province/territory to the next, we encourage you to check your local health authority website for exact details.
That said, government health care plans will generally not cover the following expenses:
- Prescription drugs
- Dental checkups and treatment
- Vision care
- Semi-private or private hospital rooms
- Registered/licensed specialists and therapists such as Acupuncturists, Chiropodists, Chiropractors, Naturopaths, Osteopaths, Physiotherapists, Podiatrists, Psychologists/Psychotherapists, Registered Massage Therapists, Speech Pathologists/Therapists
- Health-related products such as orthotics, hearing aids, prosthetics, and medical equipment
- Health-related services such as ambulance, home care and nursing, medical coordination, and second medical opinions
- Emergency medical care for travelers
How will I know when my health insurance claim has been approved?
Claims are paid in one of two ways:
Insurance companies offer online access to their plans, allowing you to view your claim history, claim status, and add your banking information for direct deposit of claims.
If your claim is approved, you will receive a direct deposit to your bank account. Alternatively, if you have not provided direct deposit instructions, a cheque will be issued and mailed to your physical address.
If your claim submission is complete and accurate, you will generally receive your claim reimbursement within 5-6 business days.
- Direct deposit
- Cheque
Insurance companies offer online access to their plans, allowing you to view your claim history, claim status, and add your banking information for direct deposit of claims.
If your claim is approved, you will receive a direct deposit to your bank account. Alternatively, if you have not provided direct deposit instructions, a cheque will be issued and mailed to your physical address.
If your claim submission is complete and accurate, you will generally receive your claim reimbursement within 5-6 business days.
What information can I find online from my health insurance company?
Though each health insurance company will vary in terms of what they offer for online services, generally you can expect the following items to be accessible online:
Insurance providers such as Alberta Blue Cross, Canada Life, Manulife, and Sun Life typically offer these details online to help you manage your health insurance policy effectively.
- Status of any claims you have submitted
- Your claims history for the last 12+ months
- Benefit details for your health insurance plan including dollar maximums
Insurance providers such as Alberta Blue Cross, Canada Life, Manulife, and Sun Life typically offer these details online to help you manage your health insurance policy effectively.
What are some common reasons why a health insurance claim wouldn't be paid?
The most common reasons for delayed payment of health insurance claims or claims not being paid include:
Improper documentation/lack of receipts: Submitting claims without copies of the original receipts will likely result in claim rejection.
Costs submitted after 12 months: Claims must be submitted within 12 months of the date you paid for the expenses you're claiming.
Costs that aren't medically necessary: Generally, health claims must be deemed medically necessary under the terms of your plan. Preventative dental services aren’t usually medically necessary; however, they may be allowable if your plan covers them.
Excluded conditions: Some plans (Medically Underwritten) require insured persons to qualify medically, which involves the completion of a medical questionnaire. Consequently, specific health conditions may be excluded from these plans. When a medical condition is excluded, it means there is no coverage for any treatments—including medications—related to the excluded condition. If a treatment normally used for an excluded condition is being used to treat an unrelated condition, your health provider must provide a written explanation. Include this explanation when you submit your claim.
Improper documentation/lack of receipts: Submitting claims without copies of the original receipts will likely result in claim rejection.
Costs submitted after 12 months: Claims must be submitted within 12 months of the date you paid for the expenses you're claiming.
Costs that aren't medically necessary: Generally, health claims must be deemed medically necessary under the terms of your plan. Preventative dental services aren’t usually medically necessary; however, they may be allowable if your plan covers them.
Excluded conditions: Some plans (Medically Underwritten) require insured persons to qualify medically, which involves the completion of a medical questionnaire. Consequently, specific health conditions may be excluded from these plans. When a medical condition is excluded, it means there is no coverage for any treatments—including medications—related to the excluded condition. If a treatment normally used for an excluded condition is being used to treat an unrelated condition, your health provider must provide a written explanation. Include this explanation when you submit your claim.
What is a pre-determination of benefits for dental and when do I need one?
A pre-determination of benefits is an 'estimate' of what your dental insurance plan will cover for a specific dental procedure.
If you are unsure whether a particular dental procedure will be covered, or if a proposed course of treatment is expected to cost more than $500, it is advisable to have your dentist’s office submit a pre-determination of benefits to the insurance company before the procedure. To submit this information, your dentist will need your Plan Number and ID number.
The insurance company will review the submission and reply with a written letter clarifying the amounts (if any) covered by your plan.
This way, you can make an informed decision about how to proceed with your dental treatment.
If you are unsure whether a particular dental procedure will be covered, or if a proposed course of treatment is expected to cost more than $500, it is advisable to have your dentist’s office submit a pre-determination of benefits to the insurance company before the procedure. To submit this information, your dentist will need your Plan Number and ID number.
The insurance company will review the submission and reply with a written letter clarifying the amounts (if any) covered by your plan.
This way, you can make an informed decision about how to proceed with your dental treatment.
When do I need a doctor's prescription for health insurance claims?
You need a prescription for drugs, and you may require a doctor’s note for accessing certain health care services covered by your health insurance plan. It's important to check your specific policy details to understand what documentation is needed for your claims. Whether you are insured through Alberta Blue Cross, Canada Life, Manulife, or Sun Life, understanding these requirements can help streamline your reimbursement process.
For more help in navigating your health insurance needs, Aeva.ca is here to assist you in finding the perfect plan.
For more help in navigating your health insurance needs, Aeva.ca is here to assist you in finding the perfect plan.
How do I make a health or dental insurance claim?
If you need to make a health or dental insurance claim, your health care provider may have already submitted it on your behalf using your Plan and ID numbers.
If your provider has not submitted your claim, you can do it yourself either online or by mail.
To submit your claims online:
- Do so within 12 months of the date you were charged.
- Ensure you've paid more than any deductible in your plan.
- Specify the currency if your claim is for services outside Canada.
- Keep original receipts and applicable supporting documentation for 12 months.
To submit your claim on paper by mail:
- Submit within 12 months of the date you were charged.
- Ensure you've paid more than any deductible in your plan.
- Specify the currency if your claim is for services outside Canada.
- Include original receipts and applicable supporting documentation.
- Make sure you've signed your claim form.
What information needs to be shown on prescription drug receipts?
Prescription drug receipts must be original receipts (not statements) and show:
• Name of drug
• Drug identification number (DIN)
• Date of service
• Prescription number
• Prescription strength and quantity
• Drug cost
• Dispensing fee (if applicable)
All other receipts must be original receipts on the printed letterhead of the person or company providing the service and show:
• Name of patient
• Date(s) of service
• Description of service
• Cost of each service
• Proof of payment
• Name of drug
• Drug identification number (DIN)
• Date of service
• Prescription number
• Prescription strength and quantity
• Drug cost
• Dispensing fee (if applicable)
All other receipts must be original receipts on the printed letterhead of the person or company providing the service and show:
• Name of patient
• Date(s) of service
• Description of service
• Cost of each service
• Proof of payment
How do I make a travel insurance claim?
If your health insurance plan includes travel coverage, you can claim costs for medical emergencies while travelling outside your home province.
Your policy documents will include 24x7x365 toll-free support numbers to call for assistance in the event of a medical emergency. You will need to provide your Plan and ID numbers to confirm coverage and get help with the next steps.
Whenever possible, call these numbers before incurring any medical expenses to ensure you are directed to the best facilities and to maximize the amount covered by the insurance.
Your policy documents will include 24x7x365 toll-free support numbers to call for assistance in the event of a medical emergency. You will need to provide your Plan and ID numbers to confirm coverage and get help with the next steps.
Whenever possible, call these numbers before incurring any medical expenses to ensure you are directed to the best facilities and to maximize the amount covered by the insurance.
What is the time limit for submitting a health or dental claim?
You have 12 months from the date you incurred an expense for a health and dental service to submit your claim for reimbursement.
Can you get treated without health insurance?
Yes. You will always be able to claim on your provincial/territorial government health care plan. Any amounts not covered by your government plan you would pay out-of-pocket yourself.
If you are not covered by a government health care plan (e.g. non-Canadian residents, or visitors to Canada), you would pay 100% of any medical expenses out-of-pocket, which can be costly.
For those who are working towards Canadian residency, or are visiting Canada, it is advisable to look into Visitors to Canada insurance, which will help to cover medical costs for those not yet covered by a provincial/territorial government health care plan.
If you are not covered by a government health care plan (e.g. non-Canadian residents, or visitors to Canada), you would pay 100% of any medical expenses out-of-pocket, which can be costly.
For those who are working towards Canadian residency, or are visiting Canada, it is advisable to look into Visitors to Canada insurance, which will help to cover medical costs for those not yet covered by a provincial/territorial government health care plan.
What do you need to get health insurance?
To be eligible for an individual health insurance plan, you must meet the following requirements (regardless of the insurance company):
Be a resident of Canada and have coverage under your government health insurance plan. You must also be at least 18 years of age on the date of application for the policy, except for children of an insured person. Quebec residents must also be registered under the RAMQ Prescription Drug Insurance Plan or have equivalent coverage under a group plan.
Note: If the plan is Medically Underwritten, it will require a medical questionnaire, and you will need to qualify medically. If you do not qualify due to your health history, there are alternative options, such as a Guaranteed Acceptance plan, available.
Be a resident of Canada and have coverage under your government health insurance plan. You must also be at least 18 years of age on the date of application for the policy, except for children of an insured person. Quebec residents must also be registered under the RAMQ Prescription Drug Insurance Plan or have equivalent coverage under a group plan.
Note: If the plan is Medically Underwritten, it will require a medical questionnaire, and you will need to qualify medically. If you do not qualify due to your health history, there are alternative options, such as a Guaranteed Acceptance plan, available.
What is a premium for health insurance?
A premium for health insurance refers to the amount you pay regularly to keep your health insurance policy active. The premium cost can vary based on factors such as the age of the insured individuals, the number of people covered under the plan, and the chosen plan type.
Typically, health insurance premiums are paid on a monthly basis.
Typically, health insurance premiums are paid on a monthly basis.
Can you max out your health insurance?
Yes, health insurance plans come with plan maximums and benefit maximums.
Plan maximums can be annual maximums, which is the maximum amount to be paid out by the insurance provider in a year, and/or lifetime maximums, which represent the total amount to be paid out by the insurance provider during the lifetime of your policy and/or benefit.
Once you have maxed out your health insurance plan, the insurance company will not reimburse future claims.
Each benefit included in your plan may also have an annual maximum, which will refresh each year.
Plan maximums can be annual maximums, which is the maximum amount to be paid out by the insurance provider in a year, and/or lifetime maximums, which represent the total amount to be paid out by the insurance provider during the lifetime of your policy and/or benefit.
Once you have maxed out your health insurance plan, the insurance company will not reimburse future claims.
Each benefit included in your plan may also have an annual maximum, which will refresh each year.
What is health insurance?
Individual health insurance helps to pay for health and dental expenses you may incur.
As a Canadian resident, you are covered for basic medical services by your provincial or territorial government health plan.
Individual health insurance plans in Canada are often referred to as 'extended' health care. They extend or supplement your government health plan by covering expenses that your government plan does not.
As a Canadian resident, you are covered for basic medical services by your provincial or territorial government health plan.
Individual health insurance plans in Canada are often referred to as 'extended' health care. They extend or supplement your government health plan by covering expenses that your government plan does not.
Can you have two separate health insurance plans?
It's not unusual to have multiple health insurance plans.
You can be covered under both an employee group benefits plan and an individual health insurance plan. If you have multiple plans, you would submit your claims sequentially. For instance, you would file a claim with one plan first, then submit the remaining balance to the second plan.
However, it's important to note that you cannot claim the full amount of the same expense twice.
You can be covered under both an employee group benefits plan and an individual health insurance plan. If you have multiple plans, you would submit your claims sequentially. For instance, you would file a claim with one plan first, then submit the remaining balance to the second plan.
However, it's important to note that you cannot claim the full amount of the same expense twice.
What is copay in health insurance?
A copay (short for copayment) is a flat fee paid by the insured for some health care services.
For example, the insured might pay a flat $10 for prescriptions, and insurance covers the remaining balance up to plan and annual maximums (the maximum amount to be paid out by the insurance provider in a year).
Health and dental plans vary among insurance companies with respect to copays. Some insurers may include a copay in their plans, while others may not. Some might offer co-insurance instead of a copay, or a combination of both.
Co-insurance is another amount paid by the insured on health and dental claims, expressed as a percentage rather than a flat fee.
For example, the insured might pay a flat $10 for prescriptions, and insurance covers the remaining balance up to plan and annual maximums (the maximum amount to be paid out by the insurance provider in a year).
Health and dental plans vary among insurance companies with respect to copays. Some insurers may include a copay in their plans, while others may not. Some might offer co-insurance instead of a copay, or a combination of both.
Co-insurance is another amount paid by the insured on health and dental claims, expressed as a percentage rather than a flat fee.
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