Alberta Health Benefits | How to Choose the Right Plan

alberta health insurance

We are lucky as Canadians to have such a great healthcare system that saves us hundreds of thousands of dollars in medical expenses. But what about the things that aren’t covered under your Alberta health care plan? What about expensive equipment you might need after an accident, or a procedure you need that isn’t covered? There are many advantages to having a  good Alberta health benefits package outside of what the province covers. 

There may be many things in a benefits package that you never end up using, but what about the one time you DO need that coverage? A benefits plan is just like car insurance and just as important. If you’ve ever gone to the dentist without additional benefits (or looked at your bill breakdown with coverage) you’ll understand just how necessary it is to have. 

How Does a Good Alberta Health Benefits Package Benefit You?

Well to start, it’s important to remember that not all jobs will come with a great package. In fact, there are many businesses that do not offer any sort of health benefits packages for their employees. But that doesn’t mean you can’t get one on your own, and we encourage you to do so. As we mentioned before, it’s like car insurance, only most people use their benefits perks far more often. It’s a bit of a bummer if your employer doesn’t offer benefits, but it doesn’t mean to need to feel stuck without them. 

If you’re a business owner and you don’t yet offer benefits, we also encourage you to look into it. Offering employees a good benefits package can make you an even more desirable place to work and helps with employee retention as well. 

So what are the benefits to having…benefits? Have you ever inquired about new glasses? A massage or physiotherapy? Have you ever needed a dental procedure not covered under AHCIP? The cost of these products and services can be extremely high and not something the average person can afford out of pocket. That being said, a lot of these expenses are also completely unavoidable for some people, which makes having coverage essential. 

A good Alberta health benefits package can include life insurance, travel insurance, critical illness & disability, dental, vision and more. Not to mention it can save you money and a whole lot of headaches when it comes to common medical expenses like:

  • Eye glasses
  • Regular dental cleanings/x-rays/treatments
  • Massage therapy
  • Chiropractic services
  • Physiotherapy
  • Special equipment needed after an injury or surgery
  • Expensive medications
  • Surgeries and other procedures not covered by AHCIP
  • Some hospital stays
  • Ambulance services
  • Nursing services
  • Critical Illness insurance 
  • Medical care while out of country

It’s true that you may not need coverage for some of these things all the time, or maybe you end up never using parts of your benefits package. But the peace of mind knowing that you ARE covered should you need them makes it worth every penny. 

As a business owner, if you are currently not offering a great Alberta health benefits package to your employees, we encourage you to reach out to a company who has options available for business owners and consider getting a package for your employees. 

What Type of Coverage Could You Get in a Benefits Package?

Each company is different in what they offer, so it’s important to know what you are looking for when shopping around for the right benefit plan.

A flexible plan can cover you for things like; 

  • Critical illness
  • Paid time off
  • Short-term disability
  • Retirement
  • Dental
  • Vision
  • Childcare services
  • Travel insurance
  • Employee wellness programs
  • Life insurance

Not every plan is the same and not every company will offer these things in a package. Some companies may only offer the more basic coverage. 

How Do You Choose The Right Package?

The first step to finding the right benefits package for either yourself or your employees, is to seek the help of someone who knows good benefits and can work with you to determine what you need. There are so many options available, that it can easily become overwhelming to narrow down what works for you. Not to mention, there may be plans that offer coverage for things you didn’t know could be covered! You could be missing out on important options. 

A benefits package is never a “one-size-fits-all” situation. Everyone has different needs and a different budget, so flexibility plays a key role in finding what works for you or your business/employees. The team at BPGS is here to help. We work closely with all our clients to build a benefits package that is based on their specific needs for an affordable cost. We offer plans like the Chambers Group Insurance Plan that are available to individuals and business owners at a cost you can manage, with coverage that’s second to none. 

Are you ready to consider offering benefits to your team? Do you need to get something set up to keep yourself protected? Is it time to start shopping around for better coverage and better rates? Trust the professionals at BP Group Solutions to steer you in the right direction when it comes to choosing your Alberta Health Benefits package. We have a wonderful team of knowledgeable people in both Cold Lake and Fort McMurray that are ready to find you the perfect benefits package.