General

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.

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.

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.

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.

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.

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.

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:

• 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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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).

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.

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.

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.

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.