Choosing the right type of health and life insurance can appear daunting. There are many options available for business owners, stay at home parents and for people who have health and life insurance through their employer or professional association.

You want a health insurance plan that helps you manage your routine health care expenses. If you are unable to earn an income while you recover from a serious illness or injury you will need coverage to pay your mortgage and bills. If you die unexpectedly you need good life insurance to protect your loved ones.

The last thing you need is to be paying too much for insurance protection you don’t understand. Our Life Insurance Brokers will work with you to simplify the process. They will advise and help you understand your insurance options so you can make the right choices on the health and life insurance you need.

Health insurance is a type of insurance which is purchased by the employers to cover the health expenses of employees and themselves. The insurance contract is made between the employer and the insurance company and it is the responsibility of the employer to pay the premiums to the insurance company. Generally, employer demands a partial portion of the premium from employees and the same amount will be deducted from the employee’s payroll. Group health insurance is a better option to offer health benefits of the employee. Several insurance companies offer attractive group health insurance at affordable rates.

Health insurance benefits both the employer and employees. Employer gets monetary benefits in term of premiums. Premiums rate of group health insurance are less compared to that of individual health insurance plans. Employees get a feeling that they are under the same umbrella and their assured health protection motivates them to work sincerely and dedicatedly. The amount of employee’s contribution to premiums depends on the laws and regulations of the state and the bye laws of the company.

Most of the states has made group health insurance a must factor for companies. Apart from that present professionals wish to work with the companies providing health insurance coverage. So, it has become an important factor for the company to provide health insurance coverage to attract and retain the well qualified employees for the smooth running of business.

You can find several insurance companies when you step out to purchase a group health insurance plan. The better method to get the best plan for your business or company is to search, compare and decide. Search for the leading group health insurance companies and get their quotes. Internet is a best platform to depend to get these quotes. You can also go through the reviews made by the clients about the service and plans of insurance companies. Select the best quotes from different insurance companies and compare them in terms of premium rates, coverage amounts, deductible amounts, co-payments, experience of insurance companies and their claim settling efficiency. Have a look on what are the important areas included and excluded. Then take a wise decision considering these factors twice. The rest will be best for you.

Residents That Qualify for BC MSP

1. You are a citizen of Canada, or lawfully admitted to Canada for permanent residence

2. You are making your home in BC

3. You are physically present in BC at least 6 months in a calendar year

4. Or you are a dependent, living in BC, of someone who already has BC MSP coverage.

 Dependents can be spouses or children who live in BC. A ‘Spouse’ means a person who is married or living and cohabiting in a marriage-like relationship, like common law. They can be the same gender as the applicant. A ‘child’ means to a person who is under 18 years old or under 24 and attending school full-time, for whom you are the legal ward.

BC Health Insurance: What is Covered?

The BC MSP provides the following benefits:

*  Medically required services provided by a physician.

*  Maternity care provided by a physician or a midwife.

*  Medically required eye exams - if your doctor refers you to an optometrist, or ophthalmologist, this is covered. Regular eye exams are not.

*  Diagnostic services when ordered by a doctor, midwife, podiatrist, dental surgeon or oral surgeon. For example x-rays and blood work are covered.

* Dental and oral surgery when medically required to be performed at a hospital. This means the majority of dental and oral surgery is NOT covered.

* Orthodontic services related to severe congenital facial abnormalities.

*  Routine eye exams for people 18 years of age or under, and people 65 years and older.

BC Health Insurance: What is Not Covered

BC MSP doesn’t provide coverage for the following items. Please note this list is not exhaustive. If something isn’t mentioned in the covered section, ask your physician.

* Cosmetic surgery or other services deemed to be not medically required.

* Dental services (except for those mentioned in covered section).

* Routine eye exams for those aged 19 to 64.

*  Eyeglasses, hearing aids, and other equipment or appliances.

*  Chiropractic, massage therapy, naturopathy, physical therapy and non-surgical podiatry services.

*  Preventive services and screening tests not supported by evidence of medical effectiveness. For example, routine annual “complete” physical examinations, whole body CT scans, etc.

*  Services of counsellors or psychologists.

*  Medical examinations, certificates or tests required for: driving a motor vehicle, employment, life insurance, school or university, recreation and sporting activities, or immigration purposes.

* Prescription drugs.