Self Employed Health Insurance

If you are self-employed, your health may be your most important asset. Special Benefits Insurance Services offers a wide variety of health insurance solutions to help you maintain your good health and minimize your health care expenses. Our health insurance options are ideally suited for individuals who are self employed, entrepreneurs, independent professionals, contractors, commission-based workers or anyone who is not covered by a company group plan.

A self-employed health insurance plan from Special Benefits can help you:

• Lower your financial risks by limiting your out-of-pocket expenses
• Avoid the stress of not having the financial resources to cover the cost of health care
• Address health care issues promptly, so you can get back to work as quickly as possible

The Advantages of Choosing Special Benefits

Established in 1993, Special Benefits has been providing health insurance for self-employed individuals for almost two decades. Over the years, we have differentiated ourselves as a provider of health insurance solutions for individual consumers. As an independent broker, we have access to a large assortment of insurance providers within Ontario, making it easier for us to locate the best product for our clients’ needs. In addition, Special Benefits partners with Green Shield Canada to offer the Prism^® health insurance programs across Canada.

Other advantages of choosing Special Benefits for your self-employed health insurance needs include:

• Expertise: Our representatives have the experience, knowledge and skill to determine the best health insurance option for your needs.
• Adaptable Solutions: Our products come in a variety of plans and coverage levels, making it easy to find an insurance solution for your specific situation.
• Customer Commitment: We know that selecting a health insurance plan can be complicated and intimidating. We are committed to educating you about the process so you can make the best decision for yourself, your family and your business.

Self-Employed Health Insurance Options

Special Benefits offers you access to a wide range of self-employed health insurance products from leading providers such as Manulife and Blue Cross for individuals in Ontario. In addition, we sell Green Shield Canada’s Prism Spectra^®, Prism Precision^® and Prism Continuum^® nationwide. Prism^® programs offer three distinct plans, each with varying levels of coverage. These programs offer:

• Flexibility: Our diversity of plans and coverage levels makes it easy to select the right health insurance plan for your needs.
• Ease: In many cases, our health insurance plans offer guaranteed acceptance without the requirement of a medical exam or questionnaire.
• Coverage for Pre-Existing Issues: We offer plans for existing health conditions.
• Generous Coverage: Our health insurance plans offer coverage for everything from prescription drugs and vision care to specialists, therapists, semi-private hospital accommodation and much more.
• Extended Benefits: We also offer other benefits to enhance your self-employed health insurance, including hearing aids, medical items and services, home support services, ambulance transportation and travel insurance for those under age 65.

Using Self-Employed Health Insurance to Enhance Your Business

A self-employed health insurance plan from Special Benefits can be the key to keeping you healthy and your business afloat. It can supplement your provincial insurance coverage, so you have the financial means to protect your health—and your business investment.

While your provincial insurance plan covers medically-necessary health care, it contains a number of coverage limitations. Provincial health insurance normally does not provide coverage for:

• prescription drugs
• dental services
• routine eye exam (for individuals 19 to 64 years of age), eyeglasses and contact lenses
• hearing aids and other equipment or appliances
• services provided by chiropractic, massage therapy, naturopathy, osteopathy, physical therapy, podiatry services and many other services

To learn more about our Prism^® programs or other self-employed health insurance options, request your no-obligation quote or free information package today!