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GreenShield Health Insurance Review 2024
GreenShield Canada offers flexible health insurance plans for individuals and families, covering essential health needs like prescription drugs, dental, vision, mental health, and visitor medical insurance. With monthly premiums ranging between $142 to $247 per month, GreenShield provides affordable options for various needs and budgets. Their digital platform simplifies claims and provider searches, while options like guaranteed acceptance and coverage for pre-existing conditions make GreenShield a trusted choice for comprehensive health coverage.
- What are the key features of health insurance from GreenShield?
- What are the different GreenShield health insurance plans I can choose from?
- Does GreenShield cover pre-existing conditions?
- How much does health insurance from GreenShield cost?
- What are the pros and cons of GreenShield health insurance?
- Frequently asked questions
GreenShield Canada is a reputed health insurance provider, offering flexible and comprehensive plans designed to meet the needs of individuals and families. Their coverage spans essential health benefits, including prescription drugs, dental care, vision, mental health support, and even travel insurance.
Renowned for its user-friendly approach, GreenShield’s digital platform streamlines the insurance experience with simplified claims processing, easy provider searches, and direct billing, minimizing out-of-pocket costs for customers.
This review details GreenShield’s health insurance plans, key features, and the advantages of choosing them as a trusted partner for dependable health coverage.
What are the key features of GreenShield’s personal health insurance from?
The key features of GreenShield personal health insurance include 3 plans, ZONE, LINK, and Prism, with premiums ranging from$142 to $247 per month. Their plans are available for individuals aged 18 to 79, with no waiting period.
Features of GreenShield health insurance plans
| Features | Description |
| Monthly premiums | $142 to $247 per month |
| Age | 18 to 79 |
| Waiting period | No waiting period |
| Plans | ZONE for those without existing health insurance and self-employed individuals
LINK for those who wish to change to from their current health plan to a new one Prism for those with pre-existing conditions and who are in need of more comprehensive coverage |
| Eligibility | Age 18 to 79 with valid provincial health insurance |
| PolicyAdvisor rating | 4.5/5 |
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What are the different GreenShield health insurance plans I can choose from?
GreenShield Canada offers three health insurance plans to suit different needs: ZONE, LINK, and Prism.
ZONE is designed for self-employed individuals and freelancers, providing comprehensive coverage for health, dental, vision, and emergency medical travel, with flexible options based on coverage needs.
LINK is tailored for those transitioning from group health benefits due to retirement or job loss, offering similar benefits as ZONE with additional coverage for preferred hospital accommodation.
Prism caters to individuals with pre-existing conditions, offering comprehensive coverage, including essential health benefits and emergency medical travel, with guaranteed acceptance and no medical exams required. Each plan offers lifetime coverage and access to GreenShield’s easy-to-use digital platform for managing claims and benefits.
GreenShield health insurance plans
| Feature | ZONE Plans | LINK Plans | Prism Plans |
| Target audience | Self-employed individuals, freelancers, contract workers, and those without existing health insurance | Individuals transitioning from group benefits due to retirement or job loss | Individuals with pre-existing conditions needing comprehensive coverage |
| Plan options | 8 plans (ZONE 1-7, ZONE Fundamental) | 4 plans (LINK 1-4) | 3 programs with 4 plans each, tailored for various needs |
| Coverage type | Comprehensive health and dental coverage | Comprehensive health and dental coverage | Comprehensive health coverage including essential benefits |
| Acceptance | Guaranteed acceptance on some plans; medical underwriting for others | Guaranteed acceptance within 90 days of losing group coverage | Guaranteed acceptance; no medical exam required |
| Prescription drugs | Year 1: $550
Year 2: $600 Year 3+: $650 (70% coverage) |
Year 1: $600-$1,000
Year 2: $800-$1,250 Year 3+: $1,000-$1,750 |
Varies based on plan design |
| Dental coverage | Year 1: $500
Year 2: $650 Year 3+: $800 |
Year 1: $600
Year 2: $800 Year 3+: $1,000 |
Varies based on plan design |
| Vision care | Included in all plans | Included in all plans | Limited coverage available |
| Emergency medical travel | Included for out-of-province or out-of-country travel | Included for out-of-province or out-of-country travel | Included in all plans |
| Registered specialists & therapists | Coverage included in all three plans (ZONE, LINK, and Prism) | ||
| Preferred hospital accommodation | Optional with some plans | Included in all plans | Varies based on plan design |
| Lifetime coverage | Yes, as long as premiums are paid | Yes, as long as premiums are paid | Yes, as long as premiums are paid |
| Mobile services | Online services for claims and account management | Online services for claims and account management | Online services for claims and account management |
| Legal advice | 24/7 legal advice included | 24/7 legal advice included | Varies based on plan design |
| Change4Life® Rewards Program | Available for GSC customers | Available for GSC customers | Not available |
Does GreenShield cover pre-existing conditions?
Yes, GreenShield offers coverage for pre-existing conditions, though there may be some limitations on treatments related to those conditions. For instance, with LINK plans, you may qualify for coverage if you apply within a specific timeframe after losing your previous insurance. However, these plans often involve a health questionnaire and may exclude certain pre-existing conditions.
For travel insurance, the pre-existing condition typically needs to be stable for at least 90 days prior to your trip to qualify for coverage. To fully understand the specific limitations and eligibility criteria, it’s advisable to consult a GreenShield representative or review the details of your chosen plan.
Does GreenShield cover laser eye surgery in Canada?
Yes, GreenShield covers laser eye surgery under vision care benefits in ZONE plans. The coverage amount is typically $150 per person every two years for procedures like LASIK or PRK, depending on specific plan details.
Does GreenShield cover eye exams in Ontario?
Yes, GreenShield covers eye exams in Ontario for specific age groups and health conditions. Coverage includes individuals aged 19 and under, as well as those aged 65 and over. People receiving social assistance are eligible for one exam every 24 months, while those with an approved medical condition can undergo one exam every 12 months.
How much does health insurance from GreenShield cost?
Personal health insurance from GreenShield costs between $142 to $247 per month, depending on age, plan specifics, and coverage amount.
Cost of GreenShield personal health insurance
| Age | Premium (Without pre-existing conditions) |
| 25 years, male/female | $142 to $207.00 |
| 35 years, male/female | $142 to $207.00 |
| 45 years, male/female | $148.00 to $222.00 |
| 55 years, male/female | $161.00 to $238.00 |
| 75 years, female/female | $164.00 to $247.00 |
What are the pros and cons of GreenShield health insurance?
GreenShield is recognized for its affordability and accessibility, offering plans with high coverage limits for essential healthcare services. Their packages are designed to meet various health needs at competitive prices, making them an attractive option for individuals and families.
However, one downside is that dental coverage is not included in their basic plans and must be purchased separately, which can increase overall costs for those needing comprehensive coverage.
| Pros | Cons |
| Guaranteed acceptance: Most plans do not require medical questions, making it easier for individuals to secure coverage | No automatic dental coverage: Basic plans do not include dental coverage, which must be purchased separately |
| Change4Life® Rewards Program: Free online health management portal that offers gift cards; policyholders can register through GreenShield online services and access the program conveniently through GSC Everywhere | |
| 24/7 support & digital services: Access to online services to submit claims, track benefits, and find healthcare providers | |
| High coverage limits: Plans offer high coverage limits for essential paramedical services like chiropractic, physiotherapy, and psychotherapy |
How can I get a health insurance quote from GreenShield?
To get a health insurance quote from GreenShield, visit their website, select a plan, and complete the application form. For personalized assistance, connect with a PolicyAdvisor expert who can help you compare options and find the best health insurance plan based on your needs and budget.
Through PolicyAdvisor, you’ll also receive free instant quotes, access to the lowest rates in the market, and lifetime after-sales support. Schedule a free consultation with one of our licensed advisors today!
Frequently Asked Questions
How does GreenShield’s emergency medical travel coverage work?
GreenShield provides 100% reimbursement for necessary medical services up to $5 million per lifetime during emergencies abroad.The plan covers unexpected illnesses or injuries while traveling outside your home province, but excludes non-emergency treatments and pre-existing conditions unless stable.
Are there any special benefits for children in GreenShield plans?
Children benefit from GreenShield plans through coverage of medically necessary services, similar to adults. They are included as dependents under the family plan, ensuring they receive essential health services while traveling or at home. Coverage extends to prescription medications and routine medical care.
Can I customize my GreenShield plan to fit my specific needs?
Yes, you can customize GreenShield plans to suit specific healthcare needs. Options may include adding or enhancing dental, vision, or drug coverage. Flexible plans allow members to choose coverage levels, tailor family benefits, or add specialized services based on individual or family requirements.
- GreenShield offers health plans with flexible, comprehensive coverage that includes dental, vision, and mental health benefit
- There are three GreenShield health insurance plans: ZONE, LINK, and Prism to cover different individuals
- Monthly premiums are between $142 to $247 per month, depending on age, plan specifics, and coverage amount
- Emergency travel coverage extends up to $5 million annually, with options for 15 to 30-day trips
- Pre-existing conditions are covered in replacement plans for those transitioning from group to individual insurance
