The Canadian constitution makes provision for health insurance for all citizens and permanent residents. This provides universal healthcare for everyone but even though you won’t pay a premium to access this healthcare, it is actually funded by Canadian taxpayers. But the public healthcare not comprehensive; if you wish to access more comprehensive coverage, you should consider taking out private health insurance. How do you compare medical insurance quotes online? Read on to learn more.

What the Public Plan Does Not Cover

Government-funded healthcare in Canada covers only medically necessary conditions. For most provinces, this includes conditions like hospital visits, doctors’ services, prescription drugs purchased in a hospital, etc. However, non-medically necessary conditions like the services of massage therapists, physiotherapy, acupuncture, etc.

If you don’t have additional coverage for these uncovered conditions, you will have to pay out of pocket. Rather than paying out of pocket, it could be better to take out private health insurance.

Tiers in Health Insurance Quotes

Health insurance providers usually classify their services and plans based on tiers. The high-level tiers (elite plans) are usually placed at the top of the category while the low-level tiers (basic plans) are at the bottom of the category.

For instance, elite plans may cover up to 70% or even 100% of the dental cost and the basic plan may just cover about 50% of the cost.

Most times, some of the services you want may not be available in the tier you choose. In this case, you may add optional coverages known as add-ons to your policy. Add-ons can help improve your policy but at an additional cost. Visit Insurdinary to find out more.

Do You Need a Medical Exam?

Most people don’t like going through medical exams but health exams are not as difficult and tedious as people think. Health exams typically involve some health questionnaires or about 20 minutes blood test.

Even if you don’t want to take a medical exam, you can get suitable insurance. This is what guaranteed issue health insurance is designed for. Guaranteed health insurance offers guaranteed acceptance irrespective of your health status. However, the premium may be higher than most other policies.

Get Medical Insurance Quotes Online

It is easier now more than ever to get medical insurance quotes online. Many companies offer comparison websites for comparing quotes. You can even compare quotes for guaranteed health insurance plans and choose the most suitable coverage.