Frequently Asked Questions

SeniorInsurix reviews a range of provincial and private supplemental plans tailored to seniors. This includes coverage for prescription drugs, dental care, vision care, hospital stays, and other specialized services not fully covered by the public system.

We start with a personalized consultation to assess your health history, budget, and coverage gaps. Our advisors explain the differences in deductibles, co-pays, and formularies so you can align plan features with your medical requirements and financial comfort.

Switching options depend on provincial regulations and open enrollment periods. We inform you of any windows for changes or eligibility for guaranteed issue and help coordinate application timing to minimize coverage interruptions.

Potential out-of-pocket costs may include deductibles, co-insurance, prescription co-pays, and provider network fees. We provide an estimate of typical expenses under each plan scenario to help you budget effectively.

Many supplemental plans for seniors offer guaranteed acceptance up to a certain age without medical exams. For plans with health underwriting, we guide you through the questionnaire and medical requirements before application.

Once your application is submitted, approval can take from a few days to a couple of weeks, depending on plan type and underwriting processes. We track every step and keep you informed until coverage is active.

Age limits vary by plan. Some carriers offer coverage up to 85 or 90 years old. We match you with providers whose age criteria align with your profile to ensure access to suitable options.

Provincial health plans differ across Canada. If you relocate, we reassess your coverage needs and recommend plans available in your new province to maintain benefits continuity.

Premiums can typically be paid by bank account withdrawal, credit card, or post-dated checks. We help set up convenient payment schedules that align with your billing preferences.

Some supplemental plans allow spousal or dependent coverage. During your consultation, we discuss eligibility and rate adjustments for adding family members to your policy.

Beyond plan selection, we offer ongoing support for claims assistance, coverage questions, and plan renewals. Our team remains available to review updates in your health status and suggest plan adjustments.

SeniorInsurix follows strict Canadian privacy regulations. We encrypt sensitive data, limit access to authorized staff, and never share your details with third parties without consent.

Our advisory services are typically included within carrier agreements, allowing us to provide guidance at no direct cost to you. We disclose any applicable fees upfront before enrollment.

Simply complete our online form or call our office. A specialist will contact you to schedule your free consultation and begin the coverage review process.