What Do the Changes to the NB Health Plan Mean for Me?November 25, 2014
We’ve been getting lots of questions from New Brunswickers about how the mandatory health plan will affect them in light of the election of the Liberal Government in September. There could very well be changes to the proposed mandatory drug coverage, including the deadline for enrolment. Regardless of what happens with this legislation, now is still a great time to evaluate your insurance options and determine whether a personal health plan would be in the best interests of you and your family.
Why Get Health Insurance Now?
The very best time there is to get started with your health insurance application is when you’re healthy, although that might seem counterintuitive. Did you know that if you’re diagnosed with a medical condition or you sustain an injury when you don’t have your health insurance in place, it will not be covered when you are eventually approved? Any medical problems you have prior to getting your coverage are considered “pre-existing” conditions and are excluded from your benefits. The best time to purchase your policy is when you don’t need it!
How to Choose the Best Health Insurance Plan
It might seem daunting to have to evaluate the range of plans available to New Brunswick residents, and then weigh their advantages to find the best combination. You want to balance costs and the benefits you’ll be able to access when you need them, so ensuring you get the best value from your plan is going to be a priority. We always help our customers determine how they can get the best value from Blue Cross by going through the various benefits of the Options and Options Plus plans. Then we determine whether adding modules like dental care, critical care and hospital cash are priorities for you and your family. Across the board, regardless of requirements, when you’re learning about your options, we always recommend including a prescription drug module.
Why Choose Prescription Drug Coverage?
Prescription drug coverage can save you and your family from the substantial and often catastrophic costs associated with a long-term illness or sudden injury. Even simpler, if someone in your family needs a round or two of antibiotics a few times a year, those costs add up much faster than you’d probably think. At the end of the year, calculate how much you’ve paid out of pocket and it might surprise you!
How do New Brunswickers Benefit from Personal Plans?
Did you know that you if choose the New Brunswick Plan for prescription medications, you won’t be covered for the other elements that are included in a well-rounded personal plan, like vision and dental benefits? It might even be the case that you’d benefit from a combination of personal and government programs.
Regardless of whether or not the new government modifies the proposed health plan, it is important for all New Brunswick residents to consider the value that can be expected from a personal health plan. In particular, when you consider the costs of medication over the course of the year, it’s easy to imagine how quickly it can add up and how you could see a return on your investment!
Don’t wait for the government to force you to choose their insurance plan. Make an appointment for a FREE consultation today and get the peace of mind and value that only a personal Blue Cross health insurance plan can offer.