Health Plus Insurance: 2024 Coverage, contact & quotes

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Sunny Yadav updated on 5 February 2024

Exploring health insurance for 2024? You've come to the right place. With rising healthcare costs and significant gaps in provincial plans, having private health insurance is more critical than ever.

Among the many options in the market, Health Plus is one you must consider. Health Plus offers comprehensive and flexible coverage spanning prescription drugs, paramedical services, dental, vision, and more. But is it right for you?

Read on to find out everything you need to know about Health Plus health insurance plans, from coverage options, and pros and cons, to the costs and beyond. You can also use our free tool to get free health insurance quotes from Health Plus and Canada's leading providers right here.

Health Plus Insurance: 5 Key Takeaways

  1. Offers lower, stable rates and flexible coverage levels.
  2. Provides a range of insurance plans designed to meet diverse healthcare needs.
  3. Outshines competitors with high prescription drug limits and better paramedical coverage.
  4. Applying for PRIORITY or OPTIMUM plans is straightforward.
  5. Prompt contact within 3 business days for coverage confirmation.

Our 2024 review of Health Plus insurance

Health Plus offers a comprehensive range of insurance products tailored to meet diverse needs. Their portfolio includes individual health insurance, group insurance, life insurance, disability insurance, travel insurance, and critical illness insurance.

Apart from selling insurance plans by reputed providers like Manulife and Green Shield Canada among others, Health Plus also offers its exclusive in-house health health insurance products namely, Health Plus PRIORITY and OPTIMUM plans. This article reviews these two Health Plus plans.

Underwritten by The Co-operators and administered by MDM Insurance Services, Health Plus PRIORITY, and OPTIMUM plans are both designed to cater to small business owners and their teams, yet equally accessible to individuals who lack employer-provided coverage, ensuring flexibility and support for a wide range of consumers.

Their plans are designed for affordability, with rates that don't increase with age. The personal touch in customer service and the easy online application and claims process make it an excellent choice, particularly for individuals seeking personalized, flexible insurance solutions.

So, if you are looking for an affordable and flexible health insurance plan, then Health Plus is worth considering. Check out if Health Plus is the right choice for you right here by clicking the button below to get free and instant quotes.

Pros of Health Plus health insurance

  • Health Plus plans are often cheaper.
  • You can choose the coverage level that best suits your needs and budget.
  • Free wellness benefits, including professional counseling.
  • Travel emergency health coverage is included at no extra cost.

Cons of Health Plus health insurance

  • Health Plus is not currently available in Quebec.
  • Preapproval is required for certain practitioners.

Before buying any policy, carefully compare different plans available and make sure that the plan provides the coverage you need. You can use our comparator to compare plans and get free quotes right here by clicking the button below.

Compare The Best Health Insurance Plans and Rates on the market!

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What are the types of Health Plus health insurance plans?

Health Plus offers two health insurance plans: OPTIMUM and PRIORITY plans. Both the Health Plus plans offer extensive coverage in health, drugs, dental, and travel health, along with unique wellness resources not typically offered by other insurers. These plans are supported by a family team, ensuring personalized and expert service.

Here's an overview of what's covered by Health Plus OPTIMUM and PRIORITY plans:

Coverage CategoryOPTIMUM PlanPRIORITY Plan
Prescription Drugs
$30,000 annual max; 90% covered$30,000 annual max; 70% covered
Paramedical Practitioner Fees
*Up to $1,000/practitioner per year; 90% covered*Up to $600/practitioner per year; 70% covered
Therapeutic Equipment
90% covered70% covered
Laboratory & Diagnostic Services
$500 per year; 90% covered$500 per year; 70% covered
Hearing Aids
$500/36 months; 90% covered$500/36 months; 70% covered
Accidental Injury to Teeth
90% covered70% covered
90% covered70% covered
Semi-Private Hospital Accommodation
100% covered100% covered
Private Duty Nursing
$10,000/12 months; 100% covered $10,000/12 months; 100% covered
Travel Health
Up to 60 days/trip; 100% coveredUp to 60 days/trip; 100% covered
Vision (Glasses & Contact Lenses)
$200/24 months, $300/24 months after
24 months on the plan; 100% covered
Eye Exams
$75/2 years; 100% covered
80% covered70% covered
Major Restorative Dental
*Eligibility after 18 months on the plan
$600 per calendar year; after 30 months $1000 per calendar year; 50% covered$400 per calendar year; after 30 months $650 per calendar year; 50% covered
Health Plus insurance coverage per person limits

Download the free PDF below for the complete list of benefits offered by Health Plus health insurance plans.

Good to know

You can check to what extent your provincial healthcare, for example, the Ontario health insurance plan offers coverage for the above services in our guide: OHIP Coverage, and plan how much health insurance you need accordingly.

How much does Health Plus insurance cost?

Here’s what you can expect to pay for Health Plus insurance:

Number of insured personsPRIORITYOPTIMUM
Dual (couple)
New Single Parent: 1 dependent
2 dependents
Family: 3-4 people
Health Plus insurance cost

These rates apply Canada-wide, except for Quebec. Each plan incorporates $30,000 prescription drug coverage, paramedical practitioners coverage up to $600 or $1000 per person per year, emergency travel health coverage, dental benefits, and professional wellness benefits. In addition, OPTIMUM plan members enjoy the added advantage of vision coverage.

Good to know

It's important to note that your Health Plus premiums are tax-deductible if you’re a self-employed person. Therefore, your actual net cost is much lower than the quoted rates.

The actual rate will vary based on your age, pre-existing conditions, and other factors. Get a quote personalized to your needs and budget from Health Plus right now.

How does Health Plus insurance for singles compare to other providers?

Here’s a quick comparison of Health Plus insurance rates in Ontario with other leading providers like Green Shield Canada and Manulife health insurance:

AgeGreen Shield SureHealth Zone 5Green Shield SureHealth Zone 6Manulife Flexcare ComboPlus BasicManulife Flexcare ComboPlus EnhancedHealth Plus PRIORITYHealth Plus OPTIMUM
Health Plus insurance for singles vs. other providers

You can compare Health Plus insurance quotes with other providers right here using our comparator below. Explore the best offers and get instant quotes.

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How does Health Plus insurance for families compare to other providers?

Here’s a quick comparison of Health Plus insurance family rates in Ontario with other leading providers like Green Shield Canada and Manulife:

AgeGreen Shield SureHealth Zone 5Green Shield SureHealth Zone 6Manulife Flexcare ComboPlus BasicManulife Flexcare ComboPlus EnhancedHealth Plus PRIORITYHealth Plus OPTIMUM
Health Plus for families vs. other providers

These family rates apply to two parents of the same age along with two dependents.

Good to know

Read our full guide on the best Family health insurance options in Canada, their pros, cons, costs, and more.

What are the advantages of Health Plus insurance?

  • Lower, stable rates

Health Plus rates not only commence at a lower baseline, but they remain consistent across all age groups, persisting at affordable levels as you age. In contrast, many other plans mark your milestone birthdays with automatic rate increases, often substantial ones, occurring every five years between ages 45-65.

  • High prescription drug limits

Health Plus sets high prescription drug limits, allowing up to $30,000 per person per year. In comparison, other plans typically have lower limits ranging from $5,000 to $10,000. Those with higher limits often come with significantly higher costs.

  • Better paramedical coverage

Health Plus provides coverage of up to $1,000 per person per year for each type of practitioner, aligned with prevailing market rates for services and equipment. Conversely, other plans tend to have lower overall limits and often impose very low per-visit limits (e.g., $20).

  • Cost plus pricing

In insurance parlance, this refers to the ability to make more of your healthcare expenses tax-deductible, including your current prescription drug costs. Many other providers do not offer this tax-saving feature.

  • Great dental coverage

Health Plus offers dental coverage starting at $1,000 per year per person with no deductibles. Dental injuries resulting from accidents are 100% covered with no maximum limit. Other plans may have deductibles and lower maximum coverage.

  • Extras

You get a unique combination of wellness and business services included with Health Plus at no extra cost and no claims required. On the flip side, many other plans either do not offer wellness services at all or, if they do, charge additional fees.

How to get Health Plus insurance? 

  1. Select the plan that suits your needs — whether it's PRIORITY or OPTIMUM.
  2. Complete and submit your application conveniently online or, if you prefer, print the application and submit it by mail or email.
  1. After you submit your application, Health Plus promptly review it and contact you within 3 business days via phone or email to confirm your coverage.

Your insurance will become effective on the first day of the next month (unless you specify a later date). You can expect to receive your Health Plus™ Welcome Kit by email, and your ID card will be mailed to you within approximately 3 weeks.

How to contact Health Plus?

Before you apply for Health Plus insurance, gather the following:

  • Personal information: Your full name and date of birth. Contact details for your doctor and dentist, along with those of any dependents to be covered.
  • Prescription medication details: Information on any prescription medications taken by you or your dependents, including the name of the drug(s), DIN #, and cost. You can locate this information on your pharmacy receipt, but if uncertain, we can assist you.
  • Banking information: Your banking details for monthly billing and direct claims reimbursement.

Here’s how you can contact Health Plus insurance:

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Sunny Yadav Copywriter

Sunny has over six years of experience curating engaging content spanning across industries. Specifically in finance, his expertise is insurance reviews and lending and investment topics.

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