Craig Ferguson Insurance Services ,since 1991

                                                                                                                 

 

                                         

 

                                       Hamilton 905-667-4410     Kitchener 519-772-4810      Toronto 416-238-4410     Ottawa 613-288-8194

                                                                                       Toll Free:   1-866-856-6799                                                                                                                                                                                                                                                                                                                                                                                                                                                                

                                                                                                                                                                                              

                                       

            
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      BenefitsOntario (Go to BenefitsOntario Blog)

 

 

How to decide which Benefit Plan may be right for you     ()

 

 

'Why should I speak with a Broker and not directly with each insurer?'

 

Let's try to avoid the bungled 'bundle'!

How are benefit plans like TV services? Have you ever frowned at your cable TV or satellite TV provider because the only way you can get the channels you want is in a bundle with other channels you don't want? This adds to your cost, and the likelihood you will not cost-effectively cover your needs. Your money is best kept in your pocket, and you should buy the best combination of coverage that makes the most sense, with the least amount of wasted money.

We know the market, the company plans, and we know how to help you sort it out!

Why should you pay more for the coverage you need than you have to? 

Insurers market only the plans they offer, and they bundle their products. They also don't take a very important aspect into consideration - YOUR HEALTH!

You should be shown plans that give you higher drug limits when you are in exceptional health. Don't accept low limit plans that the insurer is at low risk for.

We are not tied or biased by one company, and can suggest solutions based on what you need. This saves you time, and does not waste money!

And, why shouldn't you be exposed to all the options in the benefit market that make sense. Benefits you need may not be exactly the same as your neighbor, and trying to find the right plan is difficult to say the least.  We continually monitor the benefit market and can make your experience a positive one.

Here are some things we consider when discussing your benefit needs:

  • To save money, if you are in exceptional health, you deserve to be shown plans that fit you best - some plans have unlimited annual and lifetime maximums on drugs. Your good health will qualify you for these programs, and you need to look at this as the most important aspect of the program.
  • If you are already in a position that drug costs are a huge financial burden and are living in Ontario, please see the Ontario Trillium Drug Program page. We want to help you with this process, and discuss if you would likely qualify. Please speak with us.
  • If you are self-employed, there are cost effective, tax saving options

 

Call us today! We are here to answer your questions, and we do not charge for advice!

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Benefit Survey & Request form: If you complete our benefit survey, it can also be used as a 'quote request', that will give us a good idea what your needs are...we check them regularly.

             Benefit Request Survey              

For travel insurance and other enquiries, please fill out the Quick Contact Request Form that we need to know you better!

             Quick Contact Request Form         

 

We work with several reputable insurers, including the most well-known:

 

 

  "CoverMe" & "FollowMe" Products

 

SOLO plan featuring "unlimited annual and lifetime drug coverage!" (please call us to see if you would qualify)

 

Individual and Group Health, Travel and Visitors to Canada

Family rates on dental means that the more people in your family, the more GMS is increasingly cost effective and a terrific choice! A family of 10 has dental coverage for the same cost as a family of 3!

        

Call today to speak to us! In many cases, we can get your coverage approved online, the same day! 1-866-856-6799

Group Medical Services has an exceptionally low refusal rate , so we can almost guarantee you will be offered coverage regardless of pre-existing drug costs. In fact, they will cover a certain amount of pre-existing drugs too!

As broker consultants, we may be able to tie this dental solution in with other plans and coverages, for a truly unique, high quality solution to your benefit needs!

If you are working on your own, see an innovative model for the 'self-employed' from Benecaid Health Benefit Solutions

If you are a company with increasing medical & dental costs please view this video from

Or, you can email me for more information

 

Finally, A little bit about us!....

Our brokerage is committed to matching your expectations with the many suitable plans available to you in the market.

 This is essentially the 'broker advantage' to you, and the reason most credible insurance companies prefer working through the brokerage community. Not tied or biased by one company, our advice is 'client's need' driven.

Our commitment to you, is to ensure your plan closely meets your families' needs.

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Last modified: 12/14/09