Individual Health Plans
Individual Health Plans
Leaving your job, retiring, self-employed, or simply do not have a benefits plan at work? Have a plan, but not enough life or disability insurance? An individual plan may be the right solution.
At the Immix Group, we can help you understand your options and implement the plan that best fits your needs.
Conversion coverage
Individual Health & Dental Plans
If you are leaving your group plan, you may be eligible for a conversion plan.
You may be eligible for a conversion plan
Many individuals may not qualify for coverage due to health issues. A gap in health and dental coverage may mean significant out-of-pocket expenses for some families. Conversion plans offer uninterrupted coverage without a medical questionnaire.
Apply within 60 days
Within 60 days of termination from a group benefits plan, you can apply for individual Extended Health and or Dental guaranteed coverage with no medical underwriting.
Choose the coverage that fits
There are several plan options to choose from so that you can select the coverage that best suits your needs and budget.
Common questions
Conversion plan FAQ
I’m retiring. Is there an age limit to apply for coverage under a conversion plan?
No. There is no age limit to apply for conversion coverage. Premiums for the coverage are age banded.
What if I have a pre-existing medical condition?
There is no medical underwriting. Acceptance is guaranteed within 60 days of losing group coverage.
What benefits are covered under a conversion plan?
Most conversion plans offer coverage for the following:
- Prescription Drugs
- Medical Equipment & Supplies
- Nursing and Homecare Support
- Vision Care
- Hospital benefits
- Registered Therapists and Specialists
- Dental Care Services
Do I have to use the same insurance provider that my group plan was with?
No. Several insurance providers offer conversion plans. You are not tied to the carrier your previous plan was with.
Will the coverage be identical to the coverage under my group plan?
For more information and for assistance in choosing the best option, please contact our office at 604-688-5559 or info@immixgroup.ca.
Income protection
Individual Disability Coverage
Long Term Disability coverage provides continuing income if you are unable to work due to illness or injury. As benefits brokers, we often see group plans where LTD coverage is missing entirely, inadequate, or capped below what is truly needed to replace income.
Leaving yourself unprotected can have serious consequences. If you could no longer earn your income, how would you pay your bills, support your family, or continue to pay your rent or mortgage?
Individual disability coverage is often superior to typical group coverage and can be customized to your needs. For those who qualify, pricing discounts may also be available.
Advantages can include:
- pricing discount
- portable contract that you own, not your employer
- fixed pricing that will not increase
- superior plan designs and contract language
- access to disability experts to help you make an informed choice
If this has been on your mind, do not wait any longer. Contact us today for more information or to begin the process.
Contact UsStart the conversation
Find the right individual coverage for the next stage.
Whether you are leaving a group plan, need private health coverage, or want stronger disability protection, Immix can help you compare the right options and choose a plan that fits your situation.
Continuity
Reduce the risk of coverage gaps when workplace benefits end.
Flexibility
Explore options that match your stage of life, budget, and protection needs.
Protection
Strengthen health, dental, travel, or disability coverage where current protection is not enough.