You’ve probably heard of Best Doctors® - widely known for medical advisory services and second opinions. Best Doctors® has been available for individuals and as an add-on for group benefit plans.
Founded by Harvard Medical School physicians in 1989, Best Doctors® operates globally from its base in Boston, affiliated with Centers of Excellence around the world. With the help of more than 53,000 medical experts, they help patients navigate the healthcare system ensuring the right decisions and the right care.
My initial opinion of their services was lukewarm: “Brilliant idea, amazing affiliations, people truly need help navigating the healthcare system. BUT…with no money accompanying their advice, the best they can do is confirm or make a diagnosis and suggest a treatment plan. Too bad, so sad: you are sick, here’s how/where to get fixed, now go find the money.”
In the absence of a financial (insurance) component, unfunded advice doesn’t go very far when sick people need expensive medical treatments.
Best Doctors® upped their game in Canada with the introduction of Best Doctors® Insurance Global Medical Care™ (GMC), a unique and comprehensive insurance product that combines expert medical advice AND money!
Coverage ranges from $500,000 to $5,000,000 with several deductible options available.
There’s no waiting period and no requirement for a doctor’s referral.
Underwritten by Lloyds of London, it provides up to $5 million of lifetime funding for the finest medical care ANYWHERE in the world, including private clinics in Canada.
Medical conditions covered range from hip and knee replacement to heart surgery and cancer treatments. Elective surgeries are covered too.
GMC provides access and pays directly for the tests, procedures, scans, specialists, medications and surgeries not available in Canada. It is not a reimbursement policy.
A healthcare ‘concierge’ schedules doctors’ appointments, arranges travel and lodging and makes life easier.
Premiums can be paid with a credit card (attention: points collectors) and you can use your Health spending account (HSA) to deduct the premium cost from income instead of paying with after-tax dollars.
This is a great product and a perfect complement to Critical Illness Insurance (CI).
CI pays you up to $2 million if you get sick and this Best Doctors® Insurance Global Medical Care™ product pays up to $5 million (lifetime) for medical treatments and helps patients navigate the system – a powerful combination indeed.
In my opinion this is the best insurance product to come along in years…and its available now for groups with a minimum of 5 lives, including employee spouses and dependent children.
No medical evidence is required for groups of 5 or more employees.
Please be in touch to get information about Best Doctors® Insurance Global Medical Care™ or for help with your estate planning and life insurance needs.
Call us toll-free at 1-866-566-2001 or send an email to info@illnessPROTECTION.com
To learn more simply fill out this form or call us at 416-364-2929 or 1-866-566-2001.
"Arranging my insurance needs with Mark Halpern was like dealing with a trusted friend instead of an insurance agent. Mark patiently sat with me on numerous occasions to explain the various options available and the benefits and drawbacks of the numerous insurance products for purchase. I felt as if I obtained an education as to the importance of not just buying insurance, but purchasing the proper type of insurance for my particular situation. Mark is not simply knowledgeable about what is available in the marketplace, but is genuinely concerned that each of his clients obtains adequate coverage in case of a crisis. No one wants to think about such a tragedy occurring to them, but I feel much more confident and comfortable discussing this possibility, knowing that in case of a medical emergency or my premature death, my family's financial needs will be taken care of in my absence. I would not have this sense of security without meeting with Mark. After my experience as his client, I now consider having the proper amount of insurance in place as a necessary and important component of estate planning."
Mark Greenstein
Lawyer
Krol & Krol
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Dr. Kenneth G. Schafer, D.D.S,
Certified Endodonist
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Lawyer
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Lawyer
Botnick Legal Services