Better Benefits. Designed For You. 

When we're young and healthy we feel invincible so it's easy to put off applying for insurance. In reality, even if you're not spending much now, when you're healthy, it's the best time to sign up for health insurance. In fact, it's the only time you're guaranteed to get the lowest rates and that you will be covered if anything happens in the future. If you become ill or injured and then try to apply for the coverage you need, you may no longer qualify at all. Or, your monthly premiums will be much higher, often for much lower levels of coverage. 

Yes, to apply for Health Plus PRIORITY or OPTIMUM plans, you will need to complete a short online questionnaire that covers any current and previous health conditions and treatment. All information is kept completely private. You can apply up until age 75 as long as you are working. If you're retired, ask us about our retiree plan option. 

Approval requires general good health. However, at Health Plus we handle pre-existing conditions differently than other companies. While other insurers may deny coverage or exclude coverage for health issues related to your pre-existing condition, we want to see you protected. In many cases we will include the full coverage for a modest rate adjustment. If your history does exclude you from PRIORITY or OPTIMUM plans your advisor can help you find a guaranteed acceptance plan options that may be right for you. If you're concerned or have questions about qualifying, we're happy to talk to you about your specific situation and options.  

Health Plus is a different kind of insurance company. We're an independent, family-run business committed to offering better benefit solutions than the big guys. 

We designed our Health Plus PRIORITY and OPTIMUM plans to provide business owners, entrepreneurs, freelancers, and contract workers a better option for health and dental insurance. 

Health Plus plans are fully insured. We've partnered with industry leaders so you can be confident your claims are handled quickly and professionally. Health Plus claims are administered by MDM Insurance Services. Travel coverage is provided by the Co-operators. Wellness Benefits are brought to you in partnership with Beneplan. 

Don't worry, you won't hurt our feelings if you're reluctant to take the leap right away. Insurance plans can be hard to compare. Insurance companies too often use confusing language and hide limits in fine print. We're a full-service broker which means we're knowledgable about and licensed to sell plans from all the top insurers. We can help you compare and we'll be upfront about the most important considerations when choosing a plan, including where coverage levels matter most and what to expect in rate stability. This advice is free of charge. 

If you'd like to do some research and compare on your own, check out this post to get you started: How to get the best value when you shop for health insurance.