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

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Effective April 1 of 2010, the price for existing generics listed on the Alberta provincial formulary has been reduced to 56% of the brand name cost. This reduced generic price applies for every pharmacy customer.

When new generic drugs enter the market and are added to Alberta's formulary they'll be priced at 45% of the brand name price. Alberta Health and Wellness will permit the existing higher pricing for a 60 day transition period to allow pharmacies to deplete any generic drug inventory purchased before April 1. Pharmacists will be required to charge the lower rate for any inventory purchased after April 1.

Most insurers will be changing their price files to reflect the new generic drug pricing as of June 1, 2010, which is at the end of the 60-day grace period.

Generic drugs that are not on the Alberta formulary, but are covered by private health plans, will not benefit from this new pricing. On average, 80%+ of generic drugs covered by insurers' drug plans are on the AB formulary and will benefit from the reduced generic pricing.

How will this affect plan sponsors? Based on an analysis from Sun Life, in year one the savings from the new generic pricing will be offset by the $3 transitional pharamcy allowance, with savings increasing marginally in years 2 to 3. In the long term, savings from lower generic drug pricing could be about 2% of current prescription drug costs.

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.