Individual Health Insurance – Comprehensive Plans for You and Your Family
As the cost of living continues to rise, most people recognize that health insurance is an absolute necessity. At HDF Insurance, our individual health insurance covers people from all walks of life, even if:
- You need private health insurance for you and your family and don’t currently have a plan through an employer
- You need supplemental coverage to top off a group benefits plan
- You are self-employed
- You are a small business owner and need coverage for 2 people (for coverage for 3 or more people, visit our group health insurance page)
Do You Need Health Insurance Coverage? We can Help You Decide
At HDF, we are committed to designing plans that work for you. Do you want a basic or deluxe plan? Let’s take a look at your family needs and find your best fit for coverage and premiums.
Let Us Help You Find Affordable Family Health Insurance
There is comfort in knowing that you can always take care of your family when it comes to every day, as well as those unexpected medical expenses. We are an experienced brokerage that works for thousands of families across Alberta. We understand that you want not only adequate coverage, but affordable family health insurance plans that provides your family with peace of mind.
Private Health Insurance Is One Of Our Specialties
We’ll help you compare private health insurance plans to make sure you’re getting the best coverage at the best price. From the beginning stages of getting insurance quotes in Edmonton to singling in on the right plan at the right price, HDF Insurance offers guidance and expertise to our clients every step of the way.
When you choose HDF Insurance for health insurance quotes in Edmonton and the surrounding area, you’ll benefit from the skills, insight and experience of one of our reliable representatives.
Health Insurance for Self Employed – Manage Costs, Enjoy Tax Savings
Did you know that premiums paid for self-employed health insurance are tax deductible? Many entrepreneurs who aren’t covered under a group health insurance plan assume individual premiums are expensive; but with our competitive rate plans and the added tax benefit, health insurance for self-employed individuals is more affordable than ever. Please visit individual health insurance for more details.
In fact, the full amount of premiums for small business owner health insurance is deductible from business income. This can translate into savings of 26-52%, depending on your tax bracket.
Get Answers to Your Common Health Insurance Questions
To help you find the right health insurance coverage for you and your family, the HDF Insurance team has compiled answers to some of your most common questions
What types of health services/products can be included in my individual health plan?
Depending on the product, basic to deluxe plans may include prescription drugs, dental, eyeglasses, home care, medical equipment, chiropractic services, prosthetic appliances and more. Get started right now with our convenient buy online system or you can request a health insurance quote in Edmonton or the surrounding area.
Are your insurance premiums affordable?
At HDF Insurance, we work for you! We’ll review your current insurance needs and design a plan that fits your lifestyle. If you have a pre-existing medical condition and no previous plan, we may recommend Flex-care. Learn more about these health insurance plans in Edmonton and even buy online.
Can I qualify for individual health insurance if I have a pre-existing medical condition?
There are a few variables to consider, but yes you can. For example, if you have a pre-existing condition and are coming off a group benefits plan, FollowMe is likely the health insurance plan for you. If you have a pre-existing condition and have no previous insurance plan, we may recommend Flexcare. Learn more about these health insurance plans and even buy online.
Do any private health insurance plans offer guaranteed acceptance?
If you are coming off a group benefits plan, the Follow Me Plan may automatically accept your application. Ask us for more details.
Is dental insurance always included in private health insurance plans?
Only if you want it. Our plans offer either health insurance or health insurance with dental coverage. You may even want to explore the option of COST PLUS with The Edge Benefits. This feature allows you to run medical and dental expenses not covered under the plan through your corporate structure (if applicable) as a legitimate business expense. This creates a business write-off and therefore leaves money in your personal (after-tax pocket). Ask us for more details.