What is the best Health Insurance in New Brunswick for 2024?

Did you know that over 30% of medical costs in New Brunswick are not covered by your provincial healthcare? Most families end up paying this out of the pocket leaving them with a huge financial burden. That's why it's essential to have a good private health insurance.

Private health insurance also helps you cover essential yet expensive services like dental care, vision care and prescription medications, many of which are not covered or offered very limited protection by NB Medicare.

But which is the best New Brunswick health insurance for you? In this guide, we take you through the best private insurances in New Brunswick, their coverage, pros and cons, prices, how to get a NB Medicare Card and more. You can also compare plans and get quotes using our free comparator at the top of this page.

Top New Brunswick Health Insurance Plans in 2024

GMS health insurance: Comprehensive coverage

GMS offers plans ranging from basic coverage to comprehensive health coverage, all of which have the option to add dental benefits and/or drug benefits. With GMS, you will be able to tailor a plan to fit your health needs.

They have a comprehensive online portal, My GMS, which allows for easy access to your benefit information and the ability to submit a claim online. Their travel plans for certain plans automatically adds Covid-19 treatment coverage.

GMS health insurance Canada is a choice for you if you do not have health benefits through your employer, starting your own business, or if you would like additional benefits not offered by your employer’s or province’s health and drug coverage (NB Medicare).

If you think GMS is the right fit for you or would like to give it a try, you can now get a quote from GMS health insurance and get a policy that suits your unique health needs and budget the best.

Sun Life health insurance: Hassle-free policy access

Sun Life offers three health plans, all with differing levels of coverage which allows you to find a plan that is tailored to your specific needs. It has a comprehensive online portal and an app that allows you hands-on access to your claims and benefits information even while on the go.

The policies of Sun Life personal health insurance are a sensible choice if you do not have benefits through your employer, you are losing your group coverage, or if you would like additional benefits not offered by your employer’s or province’s healthcare (like NB Medicare, AHCIP in Alberta, MSP in BC) and drug coverage.

Note that you must have provincial or territorial health and drug coverage to apply for personal health insurance.

If you would like to explore further and get a sun life health insurance quote that is personalised to meet your unique needs, you can do so below and get results in a few moments.

Manulife health insurance: The most comprehensive options

Manulife offers many comprehensive health insurance plans - whether you are looking for dental benefits, drug benefits, or a combination, you will be able to find a plan that works for your health needs.

There is a comprehensive online portal offered by Manulife health insurance for easy access to policy information and to submit a claim online. All health and dental plans have the option to add Manulife Vitality which gives you the opportunity to earn rewards and save on how much you pay.

Manulife private health insurance is a choice for you if you do not have health benefits through your employer, you are losing your group coverage, or if you would like additional benefits not offered by your employer’s or province’s health and drug coverage such as dental or medication-only coverage.

Green Shield Canada health insurance: Extensive options for every budget

Green Shield Canada, also known as simply GSC, is a non-profit insurance provider. The GSC health insurance can be bundled with other policies to save money.

Green Shield offers more affordable packages than some of its competitors, especially for younger customers who are currently in good health. This could be a great economical choice for non-smoking young adults.

However, its dental insurance policy must be purchased separately for basic plans or as an add-on. But it is one of those rare insurances that covers pre-existing conditions and does not require medical questionnaire for its basic plan.

Blue Cross health insurance: The most flexible choice

The Canadian Association of Blue Cross Plans is a federation of non-profit insurance providers operating across Canada since 1938. Its members collectively insure over 7 million Canadians under their federally licensed coverage.

Blue Cross Health Insurance offers several plans that can include health benefits, drug, and dental coverage depending on what your needs are. It provides an easy-access online portal to your benefits information and lets you submit claims. Their plans of Blue cross health insurance canada allow for the optional add-ons of services such as critical illness coverage and hospital expenses.

Blue Cross private health insurance is intended for people who do not have access to a private group plan, or if they would like additional benefits not offered by their employer’s or province’s healthcare program (NB Medicare, Ontario Health Insurance Plan or the MSP in BC), and drug coverage such as dental or medication-only coverage.

For freelancers, there is the Blue Cross health insurance self-employed package. Blue Cross student health insurance is an affordable package for those in higher education or those who have recently graduated.

Desjardins health insurance review: Wide coverage

Desjardins is a leading provider of insurance in Canada with an illustrious history. It offers private health insurance to bridge the gaps in the provincial healthcare programs like the MSP in BC or the AHCIP in Alberta.

Desjardins health insurance plans can be bundled with other policies like travel, life, dental in order to save money. Compared to competitors, Desjardins premiums are slightly higher however they offer a wider range of coverages.

That said, in some ways the company is behind some of its competitors as it does not offer the ability to sign up for a policy online.

CAA health insurance: The best bundling discounts

The CAA, or the Canadian Automobile Associate, was founded more than 115 years ago. It is one of the largest not-for-profit automobile associations in Canada. It also offers CAA insurance packages, including private health insurance.

CAA has partnered with Manulife health insurance for over 20 years, allowing them to offer pre-packaged plans mix and match plans tailored to your specific health needs. They have a 30-day guarantee where if you are not satisfied with the coverage, you may request a refund within 30 days of receiving your policy.

This provider is a choice for you if you do not have health benefits through your employer, you are losing your group coverage, or if you would like to mix and match prescription and dental coverage. Note that you must have provincial or territorial health and drug coverage to apply for personal health insurance

Canada Life health insurance: Best guaranteed policies

Founded in 1847, Canada Life is the country's first home-grown insurer and today has more than 12 million clients. Canada Life offers a variety of levels of health insurance, all with differing levels of coverage which are designed to suit your needs, including prescription drugs, dental care, vision care and more.

They have comprehensive optional add-ons for you to further personalize your health plan. They also offer a ten-day look-and-see period. You can cancel your policy with no penalty during the first ten days.

Canada Life health insurance is a choice for you if you do not have medical benefits through your employer, you are losing your group coverage, or if you would like additional benefits not offered by your employer’s or province’s health and drug coverage like the Ontario Health Insurance Plan or the MSP in BC.

Note that you must have provincial or territorial health and drug coverage to apply for personal health insurance.

Among top health insurance companies in New Brunswick are also other providers like RBC health insurance, TD health insurance, and Costco health insurance.

What is New Brunswick Medicare?

New Brunswick Medicare refers to the publicly funded healthcare program in the Canadian province of New Brunswick. Also known as the New Brunswick Medicare Plan or simply NB Medicare, it provides essential medical services to eligible residents without direct payment at the time of care.

Administered by the New Brunswick Department of Health, this universal healthcare system covers medically necessary hospital and physician services, ensuring that residents have access to vital healthcare without incurring upfront costs.

Residents with Medicare cards can access healthcare services through participating doctors, hospitals, and clinics. The New Brunswick Medicare Plan embodies the principles of the Canada Health Act, aiming to ensure equal and affordable healthcare access for all eligible residents of the province.

What does NB Medicare cover?

New Brunswick Medicare will pay for certain medically necessary services that are performed by a physician. These services include:

• Most medically required services provided by a physician in either a physician’s office or in an approved hospital
• Certain specified surgical dental procedures provided by a dentist when the service is medically required and rendered in an approved hospital.
• Note that extractions and dental work are not insured services even when performed in a hospital. Then require private dental coverage.

Treating providers may either choose to bill New Brunswick Medicare or to bill you directly for an insured service.

New Brunswick hospitals do not bill New Brunswick residents for insured hospital services. These services must be provided in an approved hospital facility and are paid for by the Government of New Brunswick.

NB Medicare will cover the following hospital services:

• Standard hospital accommodation and meals
• Necessary nursing services
• Drugs administered while in the hospital
• Operating room, delivery room and anesthetic facilities
• Laboratory, X-ray, and other diagnostic services as deemed necessary
• Therapies such as physiotherapy, occupational therapy, speech therapy and audiology;
• Radiotherapy
• Routine surgical supplies

What does NB Medicare not cover?

While New Brunswick Medicare does cover a variety of medically necessary treatments and services, there are many things it will not cover. This means you would have to cover the cost either out of your own pocket or with a private health insurance plan. Some examples of services not covered are:

• Acupuncture
• Ambulance services, as well as transportation costs to and from your place of residence to obtain medical or hospital services
• Artificial insemination
• Dental services provided by a physician, Dentures
• Drugs and medicines
• Elective plastic surgery or other services for cosmetic purposes
• Examinations, immunisations, diagnostic or other services at the request of third party for employment, travel, emigration or insurance
• Any vision services
• Gastric stapling or gastric bypass
• Hospital visits solely for the administration of drugs, vaccines, serums or biological products
• Services provided by: chiropractors, chiropodists, dentists (except as stated previously), massotherapists, naturopaths, opticians, optometrists, orthodontists, osteopaths, pharmacists, physiotherapists, podiatrists, psychologists or private duty nurses

This is list is not comprehensive as they may be other services that are not covered by NB Medicare. Always check that a service is covered prior to receiving it to make sure it will be covered.

Given the extent of services not covered by NB Medicare, it's critical to have a good private health insurance New Brunswick plan. While finding the right plan might be a hassle, we've simplified it for you. Use our free comparator below and find out the best NB health insurance plans in seconds:

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What does New Brunswick private health insurance cover?

New Brunswick private health insurance provides additional coverage beyond the basic medical services offered by the publicly funded Medicare system. The coverage offered by private health insurance New Brunswick plans can vary depending on the specific plan and provider you choose.

Generally, New Brunswick private health insurance can cover the following:

• Prescription Medications: Many private plans offer coverage for prescription drugs, filling the gap left by the public system.
• Dental Care: Private insurance provides coverage for routine dental check-ups, cleanings, fillings, extensive dental treatments.
• Vision Care: Coverage for eye exams, eyeglasses, contact lenses, and vision-related expenses.
• Paramedical Services: Some plans cover services like chiropractic care, physiotherapy, massage therapy, and acupuncture.
• Mental Health Services: Coverage for therapy sessions, counseling, and psychiatric care may be included.
• Medical Equipment: Medical devices such as hearing aids, mobility aids, and medical supplies.
• Travel Insurance: Some plans include coverage for medical expenses when traveling outside the province or country.
• Specialised Treatments: Private insurance can cover non-essential surgeries or treatments not covered by the public system.
• Alternative Therapies: Certain plans cover alternative therapies like naturopathy and homeopathy.
• Extended Hospital Care: Some plans offer coverage for private or semi-private hospital rooms.

How much does New Brunswick health insurance cost?

The cost of a New Brunswick health insurance plan can vary widely depending on several factors, including the type of coverage, the insurance provider, your age, gender, health status, and the specific plan you choose.

On average, here's a general overview of the cost you might expect for private health insurance in New Brunswick:

Type of coverage	Montly price
Basic coverage	Basic health insurance plans that provide coverage for essential medical services and prescription drugs might start at around $50 to $100 per month for an individual
Comprehensive coverage	More comprehensive plans that include coverage for prescription medications, dental care, vision care, and specialised treatments can range from $100 to $300 or more per month for an individual.
Family coverage	If you're looking for coverage for your entire family, the cost will be higher due to increased coverage needs for multiple individuals.

5 tips to get the cheapest New Brunswick health insurance

HEre's our 5 tips for cheaper health insurance in New Brunswick:

1. Compare Multiple Providers: Don't settle for the first option you find. Shop around and compare quotes from different health insurance providers in New Brunswick to find the most affordable option that meets your needs. Use our comparator at the top of this page.
2. Assess Your Needs: If you're relatively healthy, consider opting for a plan with basic coverage to save on premiums. Avoid unnecessary add-ons that may increase costs.
3. Higher Deductibles: Opt for a higher deductible if you're comfortable with paying more out of pocket for medical expenses before your insurance coverage kicks in. This lowers monthly premiums.
4. Healthy Lifestyle: Some insurers offer discounts for non-smokers and individuals who maintain a healthy lifestyle. These discounts can help reduce your overall health insurance costs.
5. Bundle with Other Policies: Insurance companies offer discounts when you bundle multiple insurance policies, such as health insurance and home or auto insurance.

How can you buy New Brunswick health insurance?

To buy private health insurance in New Brunswick, you can follow these steps:

1. Research Providers: Look for insurance companies that offer private health insurance plans in New Brunswick.
2. Compare Plans: Review different plans to understand the coverage they offer, their premiums, deductibles, and any limitations.
3. Get Quotes: Contact the insurance providers to get price quotes based on your age, health status, and coverage preferences.
4. Choose a Plan: Select the plan that best fits your needs and budget. Consider factors like coverage, cost, and any additional benefits.
5. Enrol: Once you've chosen a plan, you can enroll by completing the application process provided by the insurance company.
6. Provide Information: You'll need to provide personal information, including your name, address, date of birth, and health history.
7. Make Payment: Pay the required premiums according to the payment schedule of the chosen plan.
8. Access Services: Once your coverage is active, you can start using the insurance for covered medical services.

You could find all this information by simply using our comparator at the top of this page. It lets you compare prices, coverage, and even get quotes from the best health insurance in New Brunswick. All you need to do is enter basic inputs of what your needs are and get personalised quotes in no time.

How to obtain a New Brunswick Medicare card?

Are you eligible for NB Medicare?

If you fit into one of the following categories, you are likely eligible for NB Medicare:

• Canadian citizen that is a legal resident of New Brunswick
• International students that meet eligibility requirements

If you follow into one of the following categories, you may not be eligible for benefits:

• Military personnel
• Tourists
• Transients
• Students from another province
• Inmates of federal penitentiaries

Please note that owning a home in the province of New Brunswick or paying New Brunswick property or income tax does not make you automatically eligible for insured services under New Brunswick Medicare.

How to apply for NB Medicare Card?

In order to obtain an NB Medicare card, you will need to apply to obtain Medicare coverage. You will need to submit a signed Application for Registration form for eligibility consideration.

Completed forms must be mailed to Medicare directly to P. O. Box 5100, Fredericton, NB, E3B 5G8, Canada. Alternatively, you may deliver it in-person to a Service New Brunswick office. Please note that a separate application for registration must be completed for any child nineteen years of age or older.

Proof of Canadian citizenship or a copy of all Canadian Immigration identification records and entry stamps on passports must accompany your request as well as proof of identity and proof of residency. Some examples of proof of identification and residency are but are not limited to:

Once your application is received, it will be assessed on an individual basis and other documents may be requested to verify eligibility. Upon receiving a completed application form and eligibility is established, you will receive a letter indicating the start date of your New Brunswick Medicare coverage and a New Brunswick Medicare card.

How to renew your NB Medicare Card?

Your NB Medicare card will need to be renewed every five years. The Medicare card will be automatically renewed and mailed to your address on file with NB Medicare.

If your address changes prior to renewal, you will need to call Service New Brunswick at 1-888-762-8600 or complete a Change Request, Replacement and/or Renewal form. All household members affected by the move must be indicated on the form.

If you fail to notify New Brunswick Medicare of your address changes your Medicare coverage could be terminated leaving you without any coverage.

What is the NB Medicare phone number?

If you need to contact NB Medicare, you can do so a few ways. Always make sure you have your Medicare number when contacting NB Medicare. If you have questions related to eligibility or claims, you can contact a representative either by phone or email:

• Phone: 1-888-762-8600
• Email: [email protected]

If you need to contact Client Advocate Services you can do so by calling (506) 453-4227 or emailing [email protected].