All health insurance plans cover:
- Vision Care - covers costs towards prescription lenses and frames and/or contact lenses.
- Hospital benefits - pays for private or semi-private hospital rooms. If no room is available, this money is paid to you each day in cash.
- Accidental Death and Dismemberment - Pays for a loss directly resulting from accidental bodily injury or loss of life.
- Travel Coverage (to age 65) - Covers emergency hospital/medical expenses while traveling and access to a 24-hour worldwide medical assistance center up to to a maximum of $1,000,000 per trip.
- Continued coverage - coverage is continued for 1 year, following the death of an adult policyholder.
- Extended Health Care - covers the cost of Chiropractors, Chiropodists & Podiatrists, Naturopaths, Registered Massage Therapists, Psychologists, Physiotherapists, Acupuncturists, and Speech Pathologists/Therapists.
- LifeLine Response Service - Provides 24-hour monitoring service for people coping with medical problems at home.
- Homecare, Nursing, Prosthetic Appliances, and Durable Medical Equipment - Covers the services of registered health professionals, including Registered Nurse, Registered Nursing Assistant or healthcare aid; includes surgical bandages and dressings and the purchase or rental of medically necessary equipment such as crutches, non-electric wheel chairs and hospital beds, oxygen and other equipment recommended by your physician and approved by Liberty Health. Also includes prosthetic appliances such as artificial limbs, eyes, splints, casts and breast prostheses following mastectomies.
- Hearing Aids - Covers the cost to purchase and/or repair hearing aids.
- Ambulance Services - Covers trips to hospitals in a licensed ground ambulance.
- Accidental Dental - Covers dental treatment required as a result of an accidental blow to the head or mouth.
The 4 plans:
There are 4 different health insurance plans available: base, bronze, silver, and gold. All plans include the above "core" benefits, but the level of dental and drug coverage increases from base plans (lowest coverage) to gold (highest coverage). Each plan is available in two forms: dental only, and health & dental. Dental Only plans include dental coverage and the above "core" benefits, while Health & Dental plans include dental, the core benefits, plus prescription drugs.
What you get in a health insurance quote:
You receive a package by email containing detailed information, prices, and a comparison sheet of the 4 available health insurance plans. This package is a single portable document (.pdf) file that you can easily open and print out. The 1st page contains an overview of the available plans; the second page gives instructions on how to apply; the third page contains the prices; the next four pages provide a detailed product comparison; and the remaining 3 pages are the actual application form that you can fill out and mail in should you choose to continue with purchasing the insurance.