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 recently with the introduction of Global Medical Care (GMC) Insurance, 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 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 new product and a perfect complement to Critical Illness Insurance (CI).
CI pays you up to $2 million if you get sick and this new Best Doctors’ insurance 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 new 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 10 or more employees.
Please be in touch to get information about Best Doctors or for help with your estate planning and life insurance needs.
Call me 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.
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