Click on the “patient records” below to see which plans to recommend to different types of clients.
Part 2: What is Flexcare?
Flexcare is our most flexible product. There are three Core Plans available, but clients can also customize their plan with extra options.
Natasha, Age 24, Single, New graduate, No group plan:
Recommend the DentalPlus™ Basic Plan - ideal for a healthy young person on a smaller budget.
James, Age 33, Young children, No group plan:
Recommend the ComboPlus™ Basic Plan - robust coverage for a young family.
Denise, Age 42, Pre-teen children, Has a group plan:
Recommend the DentalPlus™ Enhanced Plan - Includes coverage for orthodontics after 2 years, when her kids might need it.
Greg, Age 51, Empty-nester, Has a group plan:
Recommend the DrugPlus™ Basic Plan - to top up coverage for prescriptions, eyewear and more.
Flexcare is a terrific option for anyone without a group plan through work, but it's also affordable enough that you can promote it as a supplement to a group plan that might not provide enough coverage.
With more and more people switching jobs every few years, you can also emphasize that Flexcare will stay with them even between jobs or if a new employer doesn't have a strong health plan.
Core Plans
There are 3 Flexcare Core Plans. All three include coverage for vision care, emergency medical travel coverage (up to age 65), registered specialists and therapists, accidental dental, homecare and nursing, and more.
Here's a quick overview of the plans:
- ComboPlus™: Coverage for both prescription drugs and dental expenses. Choose from three levels of coverage.
- DrugPlus™: Coverage for prescription drugs, but not for dental, with two levels of coverage.
- DentalPlus™: Coverage for dental care, but not prescription drugs, with two levels of coverage.
Once a client decides on a plan and level of coverage, they can choose to boost their Core Plan coverage in certain areas, with Add-Ons:
- Vision
- Hospital
- Accidental Death and Dismemberment
- Catastrophic
- Travel (up to age 65)
Plus, if you have clients with more specific needs, there are two Stand-Alones that don't require the purchase of a Core Plan: Hospital and Catastrophic.