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How to figure out what health coverage you need?

on Wed, 05/21/2014 - 10:25
I have been chatting with some prospects on their needs on health coverages lately and found that a lot of them actually have no clue what "health insurance" consist of.
 
In the insurance world, "health insurance" normally referred as "living benefits". That includes: health & dental coverage; critical illness coverage; long term care coverage & disability coverage.
 
Let's drill down what is what.
 
Health & dental coverage is what we usually need day in and day out: when we get sick, the doctor gives you a prescription, you go to the pharmacist, you have to pay for the medication;

How to choose the best suitable health care plan

on Sat, 11/30/2013 - 20:44

*Updated Dec 17, 2018

Recently, I have got quite some quote requests on health and dental plans. Not only because health care costs are getting more and more expensive, partly because lots of companies had been gradually reduce (or even cut) their group benefits; and the other part is, of course, we have more seniors retiring and that they no longer covered by their group benefits.

In general, health and dental plan consists of 3 areas: extended health care (Chiropractor, Naturopath, Registered Massage Therapist, Acupuncturist, Physiotherapist and so on), dental and drug.