You might have heard some chatter lately about the New Brunswick Drug Plan that will become mandatory next year. We’re getting lots of questions about the benefits of the plan, how much it will cost and when the right time to secure personal health insurance will be, so we’ve compiled the answers to the most common questions.
What we’ve discovered with our own clients is that frequently, there are many people and families living in New Brunswick who will be able to save money and increase the range of benefits they can access simply by arranging their own private coverage, instead of joining the provincial plan. Read on to learn why.
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In Halifax, we are lucky that when it comes to accessing medical help, we have some of Atlantic Canada’s leading hospitals and medical facilities right here on our doorstep. That also means it can be easy to take for granted how we could access medical care and support in the event that it’s required.
But, we still need health insurance for several reasons:
- to cover the cost of prescription drugs and medical equipment
- to cover the cost of routine specialist visits, like the dentist and eye doctor
- to cover the cost of living if accidents or illnesses prevent you from working
Why Get Health Insurance Now?
You might think that health insurance isn’t something that you need because you’re in good health. While many people put off organizing their health coverage, the truth is that the best time to get insurance is when you don’t need it, hoping that you’ll never have to use it.
When do you require insurance, like if you’re diagnosed with a lifestyle related disease prior to securing coverage, it will be considered a pre-existing condition. Pre-existing conditions will not be covered by your new insurance plan, meaning that the very condition you applied for insurance to cover will be outside of your available benefits. Read more »