Health Insurance
Related FAQs
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Insurance companies do not publish their drug formularies publicly, as doing so could potentially result in poorer health outcomes for patients.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Insurance companies do not publish their drug formularies publicly, as doing so could potentially result in poorer health outcomes for patients.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.
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.
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 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.
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.
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 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).
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.
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.
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.
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.
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.
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 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 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.
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.
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.