HFI Financial

**Please note:**
The Association must be registered with Hatton Financial Inc. before benefits can be purchased.
Call Toll Free in North America 1 - 866 - 444 - 2745 C
Canadian Health and Dental Plans purchase or buy online in Canada
For Individual Health and Dental needs (not in an association) click here
The Association Health and Dental Plan:
For Association Members: To get a quote, enroll, or find out more - click here

Use your credit card or pre-authorized cheque to pay the tax deductible premiums and have claims electronically deposited to your bank account!

Your Plan Covers...                 

... the dental bills your provincial health plan won't fill.
... the vision care your provincial health plan won't see to.
... the private and semi-private hospital rooms your provincial health plan closes the door on.
... the drug bills your provincial health plan won't swallow.
... the specialists your provincial health plan doesn't specialize in.
... the emergency out-of-province expenses your provincial health plan leaves out.

You Deserve the Very Best in Health Coverage.

We all deserve some peace of mind when it comes to our health.  But for those of us who don't receive group health benefits through work, the out-of-pocket expenses that result from a lack of supplemental coverage can be a serious and ongoing concern. 

Day to day expenses such as dental cleanings, fillings, prescription eyewear and travel protection are just a few examples of health expenses not fully covered by government health insurance plans.  They are expenses that can quickly add up, and still leave you vulnerable to unexpected extra costs that may come as a result of an accident or unpredicted illness.

Now, you and your family have access to outstanding health protection.  This health insurance plan is specially designed for professionals, entrepreneurs, small business owners and others not covered by a group plan.  Flexible and affordable, it offers a variety of plans to meet your specific needs.  Health and Dental Plans provide coverage for both prescription drugs and dental services, while the Dental Plans cover dental services without prescription drug coverage.  And all plans include Core Benefits such as Vision Care, Extended Health Care for registered specialists and therapists, Homecare and Nursing, Accidental Dental, and much more. 

This Plan is the ideal way to ensure your health and financial peace of mind.  Since premium payments are treated as medical expenses under the Income Tax Act, there's potential for a tax credit.  If you are self employed or a small business owner, you can receive a tax deduction for your business while your employees receive a non-taxable benefit. Consult your financial advisor for more information.
 

The Choice is Yours! There are Eight Plans to Choose From.

Four Health and Dental Plans
A selection of four Health & Dental plans offers increasing levels of comprehensive coverage for Prescription Durgs and Dental Services in addition to Core Benefits such as Vision Care, Accidental Death and Dismemberment, Hospital benefits, Registered Specialists and Therapists, Homecare and Nursing, Accidental Death, and much more.

Four Dental Plans
The Base Dental, Bronze Dental, Silver Dental and Gold Dental plans provide a range of coverage for Dental Services.  each of the Dental plans also includes the Base Core Benefits like Vision Care, Extended Health Care, Homecare and Nursing, Accidental Death, and more.  A completion of a medical questionnaire is not required.
 

Important Notice

Medical Underwriting

All Bronze, Silver and Gold Health & Dental Plan applicants will be medically underwritten, meaning the premium charged and/or benefits offered could be subject to adjustment or modification or coverage based on your medical background.  This will be determned after an evaluation of the information provided on the medial questionnaire.  Base Plan and all Dental Plan applicants are not required to complete a medical questionnaire.

Acceptance Period

If your medical history is such that a higher premium is required or that special conditions be applied to benefits (see Medical Underwriting), you will be notified in writing prior to your decision to accept the coverage.  If at that time you decide not to proceed with the coverage, your initial payment will be returned and your application cancelled.

Hospitalization/Pregnancy

Full coverage is available for expectant mothers who apply within first 20 weeks of pregnancy (hospital stay is limited to 2 days).  Liberty Health cannot guarantee the availability of private or semi-private accomodation.

Newborns

Newborns are automatically added to your coverage if an application, with appropriate payment, is made within 30 days of birth.  If application is submitted after the 30th day following the birthdate, medical information will be required.

Maximums

All maximums are per person.  Unused protion of benefits cannot be accumulated and added to coverage in future months or years.

Effective Date of Coverage

Coverage is effective the first day of the month following approval of the application.