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Whether you’re self-employed, or covered under your employer’s health-care plan, you might find yourself looking for individual health insurance in Alberta; and the search can be time consuming and frustrating. Even finding reliable information can be difficult.
You know individual health insurance in Alberta exists, but you want to find coverage that’s affordable and covers your needs. In this post we’ll show you how to find affordable plans online.
Before we get to that let’s quickly look at the health insurance in Alberta options:
• Vision
• Dental (basic and extended)
• Prescription medication
• Emergency medical services provided in another country (travel insurance)
• Practitioners like physiotherapists to promote wellness or help with injury recovery
• Medical equipment to assist with your mobility
Six Ways to Find Individual Health Insurance in Alberta Online
1. Know Whether You Qualify for Government Programs
Before you begin your search to find affordable health insurance in Alberta online, see what Alberta Health Care covers. There also might be other government programs you could qualify for. The Alberta government covers some basic health care needs, but many like to upgrade to individual insurance to have coverage for things like dental, vision, semi-private hospital rooms, ambulance rides, medication and more.
2. Individual Health Insurance in Alberta – Shop Around
Never settle for the first quote you get. There are several different plans available from various insurance carriers for example, life insurance, cancer insurance, etc, each offering different combinations of services at varying prices. Make sure you look at plan options to compare from website to website.
3. Individual Health Insurance in Alberta Get Online Quotes Directly from Insurance Companies
Individual health insurers have a range of policies available on their websites. Most carriers have the option to directly compare plan details, so you can get a better range of plan options. You could also apply online to see if you qualify, but you won’t be able to see options from other health insurance providers; so, this isn’t your best bet to find the most affordable plans online.
4. Individual Health Insurance in Alberta Get Quotes Though an Insurance Agent
Insurance agents are knowledgeable about all aspects of health insurance. If you go online and send an email they’ll be able to give you information on where to find affordable plans online. But, they generally only deal with one insurance company so you won’t get a range of plan options there either.
5. Individual Health Insurance in Alberta – Get Quotes Though an Insurance Broker
An insurance broker can be a good option especially if you’re overwhelmed by your health insurance choices and want an expert to help you make the right decision. An insurance broker is as knowledgeable as an agent, but they can help you look at plans from several insurers. A broker is independent as in they don’t work for just one insurance company, so they’re impartial.
If you’re looking for individual health care insurance in Alberta that’s within your budget, a broker will help you find it. You can go to their website and fill in the information requested hit “get a quote” and a list of insurance providers will return in the search.
If you want individual health insurance in Alberta and affordability is your bottom line, it makes sense to work with an insurance broker who’ll be able to find and compare more options. But if you’re set on working with a specific insurance company, an agent or dealing directly with the insurance company is the way to go.
It’s important to note that if you’re searching for affordable health insurance in Alberta you also need to consider your personal situation. There is cheap health insurance, but the services offered aren’t good for everyone. Don’t skimp on your needs and search for the services you need at price you can afford.
6. Individual Health Insurance in Alberta – Health Spending Account
If you’re self employed or have a small business, you should seriously consider opening a health savings account (HSA). You can put money away in an HSA completely tax-free to help you pay for health care. When you use the money for health expenditures you can withdraw it tax free too.
If you’re looking for individual health insurance in Alberta, we can help. We’re individual health insurance brokers and can help you find health coverage that fits your needs. To learn more, please visit our website.