Individual Health Benefits
Personalized Benefits
Benefits For Individuals
Designed for today’s diverse workforce, our inclusive plan requires no minimum work hours. Perfect for part-time, seasonal, casual, or shift workers, it ensures everyone has access to top-tier healthcare. Plus, employees can retain the plan post-employment, ensuring their coverage continues.
No cost or administrative burden on employers – we’ve simplified implementation.
Get the benefits of direct billing to employees, eliminating hassle for both employers and staff.
1
New Employement
Just like group benefits, you must apply within 90 days of starting your job to qualify.
2
Open Enrollment
Newly aware businesses will be provided an open enrollment period for all existing staff regardless of their employment start date.
3
Top-Up Existing Coverage
If you already have group benefits, you may apply anytime as a top-up to your existing group benefit coverage.
My Plan Options
Individual Health Benefit Plans designed to meet your unique needs. These plans typically include coverage for:
- Prescription Drugs: Ensuring you have access to necessary medications.
- Extended Health Care: Coverage for services such as physiotherapy, chiropractic care, and other paramedical services.
- Dental Care: Benefits for routine dental visits, cleanings, fillings, and more.
- Vision Care: Coverage for eye exams, glasses, and contact lenses.
- Life Insurance: Providing financial security for your loved ones in the event of your passing.
- Mental Health Support: Access to counseling and mental health services.
- Travel Insurance: Coverage for medical emergencies and other unexpected events while traveling.
Plan Advantages
Why This Plan
I believe in simplicity. That’s why my plan is priced uniformly for everyone, irrespective of age. I don’t increase premiums based on your age, ensuring fairness and consistency for all my clients.
Ellie Orsten -day trip limit with up to five million dollars in out-of-province and country travel coverage. Whether you’re an occasional traveler or a seasoned adventurer, our plans have you covered! There are no restrictions on the number of trips you take, and for those planning longer journeys, I provide travel top-up options to extend your coverage.
Understanding that health insurance needs evolve over time, my plans come with built-in flexibility. Every two years while on the plan, you have the option to switch to another plan design. This way, you’re not locked into the same plan for life, adapting as your needs change.
Once enrolled with me, your benefits are no longer tied to your employment status. Whether you change jobs, retire, quit, or stop working for any reason, your benefits remain intact. I bill individuals directly, allowing you to retain your benefits for as long as you desire, up to age 70.
All premiums paid towards these plans qualify as a tax deduction for you, the employee, offering an additional financial advantage.
Typical Group Benefit plan
No health questions, and we cover your pre-existing conditions with guaranteed acceptance.
Employer controls the outcome of coverage, if any. All employees must take the coverage to qualify.
You are not able to take your benefits with you if you leave your employment.
Personalized Benefits Plan
No health questions, and we cover your pre-existing conditions with guaranteed acceptance.
No employer inputs required and there are no minimum participation requirements among staff.
You are able to take your benefits with you, regardless of future employment.
Traditional Individual Plan
Health questions are required and all pre-exiting conditions will be excluded from coverage, if you are accepted.
No employer inputs required and there are no minimum participation requirements among staff
You are able to take your benefits with you, regardless of future employment.
Schedule a Free Consultation and Uncover The Benefits
Ellie Orsten
I am committed to each one of my clients to deliver “CLEAR GENUINE INSURANCE ADVICE”.
Head Office
334 12st south Lethbridge
Alberta T1J 2R1
Office Hours
Monday - Friday 08 AM - 04 PM