Health & Dental Insurance Online

Now you can buy individual and family health and dental insurance directly online:

For Manulife FlexCare and FollowMe plans click HERE 

For Sun Life HCC conversion health plans click HERE

For Sun Life PHI personal health plans click HERE


What type of coverage do you most need help with?
Life / Mortgage Insurance
Disability Insurance
Employee Health & Dental Benefits
Critical Illness Insurance
Personal Health Trust/PHSP
Total votes: 266

Client Login

British Columbia Medical Services Plan (MSP)

Some employers choose to set up a group BC MSP plan and pay the premiums on behalf of their employees. The premiums paid are taxable benefits to the employee, and deductible by the business.

Many employees have questions about what is covered by MSP and what is covered by their supplementary employee benefits plan.

Here is a brief summary of the benefits under BC MSP:

Prescription Drugs 

• Pharmacare subsidizes eligible prescription drugs and designated medical supplies.
• The program is from the B.C. government and is based on family income.
• Pharmacare will pay up to 70% for individuals under 65 and 75% for individuals over 65 after annual deductible.
• Deductible is based on family income.
• Visit the Pharmacare website for more information.

Dental Checkups & Treatment  

• Coverage for some surgical and dental procedures performed in a hospital. Healthy Kids program provides basic dental care to eligible children.

Vision Care 

• Individuals under 18 and over 64 years of age: coverage for eye examinations.
• Individuals over 19 and under 64 years of age: no coverage unless there is a medical condition.
• Healthy Kids program provides basic vision care to eligible children.

Hospital Stay 

• Coverage for basic ward accommodation, normal hospital in-patient services and certain hospital out-patient services.

Registered Specialists

• Individuals who qualify for premium assistance and their families: $23 towards the cost of each visit, for a combined maximum of 10 visits for certain specialties.
• Surgical Podiatry is covered.

Homecare & Nursing 

• Fees apply for various services.
• Seniors receiving GIS and War Veteran's allowance: 100% coverage.

Medical Equipment & Supplies  

• Durable medical equipment and orthotics: not covered.
• Prosthetics: Subject to Pharmacare Plan maximums and deductibles.
• Initial Breast Prostheses: Pharmacare plan provides 100% coverage after deductible; replacements are covered every two years, if necessary.

Ambulance Services 

• Partial coverage for ground transportation: $54 for the first 40 km, then 50¢ per km up to a maximum of $274.

Out-of-Province Physician services and Hospital care  

• Coverage (to B.C. maximums), with the exception of Quebec. Quebec services reimbursed at pre-determined rates.

Out-of-Country Physician services and Hospital care  

• Physician emergency services: 100% coverage (to B.C. maximums).
• Hospital in-patient: coverage of $75 per day.
• Out-patient: no coverage.

Hearing Aids 

• No coverage.

This information is provided to give a general overview of possible coverage. Information is subject to change without notice. For detailed benefits and eligibility criteria, please contact your healthcare provider or provincial government.

Benefits Plans

True Benefits can help you find the best employee benefits plan.

We have access to over 25 insurers.

Clients Say:

"Rachel is professional, courteous and very knowledgeable while providing outstanding customer service. She is well prepared, delivers personal service, and understands our desire to provide the best possible benefit plan to our employees in the most cost effective manner."

Anne, HR Manager

"I appreciate having a person who is both local and accessible, and was impressed with the initial presentation outlining the options available to us. It is extremely helpful to have Rachel advocating on our behalf."

Sarah, Business Owner

"True Benefits has totally met our needs. Rachel gives personalized attention, and is very thorough. She has suggested many good ideas that we have used to benefit our employees."

Vicki, Controller

"I have referred many clients to Rachel in the past, and without exception, they have all commented to me on her professionalism, vast industry knowledge, great service, and fast response time."


Thank you for everything that you have done for our family. We are grateful for all your hard work. We look forward to working with you again in the future.


"True Benefits has an understanding and awareness of the importance of an effective benefits program. They're proactive in looking for cost effective improvements to plan design and cost containment strategies. My expectations were exceeded - Rachel delivered as promised in a timely manner."

Norrey, CFO

"Thank you Rachel. Great service as always. You anticipated our needs."

Pam, HR Director

I used True Benefits to sort through a tricky health insurance issue related to immigration status and an expired work permit.  Rachel recommended a cost effective solution and quickly verified the policy was the best choice for my situation.  My new health coverage was effective within 2 hours of my initial call to Rachel!  I highly recommend working with Rachel at True Benefits for cost effective solutions and friendly and efficient service.


Your attention to detail and willingness to never to never take "no" for an answer on my behalf left me in awe of your business ethics.

I will continue to use your services, based on your work ethic and my ability to trust that the policy you are suggesting is perfect for me.