How to decide which Benefit Plan may be right for you
Note regarding Blue Cross Ontario:
We are an experienced and authorized BLUE CROSS Brokers, located in Ontario and Alberta, able to offer the full line of benefit plans and other unique products and quality solutions through our specialists in Ontario and Alberta. Blue Cross in Ontario utilizes the broker force to bring you good benefit advice, and the quoted cost is the same through a qualified Blue Cross Broker.
Blue Cross Service Issues on existing plans outside our office:
If you have been trying to reach Blue Cross directly for service issues on existing plans you have purchased elsewhere, please call our local or long distance numbers, or email us and we will be happy to direct you to the appropriate department. If however, you have lost your agent or would like us to service your plan, you have come to the right place!. We are driven to present to you all the appropriate solutions to your benefit needs.
‘Why should I speak with a Broker and not directly with each insurer?’
Let’s try to avoid the bungled ‘bundle’!
How are benefit plans like TV services? Have you ever frowned at your cable TV or satellite TV provider because the only way you can get the channels you want is in a bundle with other channels you don’t want? This adds to your cost, and the likelihood you will not cost-effectively cover your needs. Your money is best kept in your pocket, and you should buy the best combination of coverage that makes the most sense, with the least amount of wasted money.
We know the market, the company plans, and we know how to help you sort it out!
Why should you pay more for the coverage you need than you have to?
Insurers market only the plans they offer, and they bundle their products. They also don’t take a very important aspect into consideration – YOUR HEALTH!
You should be shown plans that give you higher drug limits when you are in exceptional health. Don’t accept low limit plans that the insurer is at low risk for.
We are not tied or biased by one company, and can suggest solutions based on what you need. This saves you time, and does not waste money!
And, why shouldn’t you be exposed to all the options in the benefit market that make sense. Benefits you need may not be exactly the same as your neighbor, and trying to find the right plan is difficult to say the least. We continually monitor the benefit market and can make your experience a positive one.
Here are some things we consider when discussing your benefit needs:
To save money, if you are in exceptional health, you deserve to be shown plans that fit you best – some plans have unlimited annual and lifetime maximums on drugs. Your good health will qualify you for these programs, and you need to look at this as the most important aspect of the program.
If you develop a medical condition that could financially devastate, will your benefit plan come through and pay all the expensive bills?
If you are already in a position that drug costs are a huge financial burden and are living in Ontario, please see the Ontario Trillium Drug Program page. We want to help you with this process, and discuss if you would likely qualify. Please speak with us.
If you are self-employed, there are cost effective, tax saving options
Call us today! We are here to answer your questions, and we do not charge for advice!
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