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Smart Wellness

Health & dental plan

Insure your most valuable possession—your health.

G&F’s Smart Wellness Health & Dental Plan starts where government coverage ends.

Without a plan like this, you may have to pay out of your own pocket for common health care expenses like prescription drugs, dental care, vision care, therapeutic services and more.

The Smart Wellness Association Health & Dental Plan with Manulife has eight options for you to choose from—helping you find one that best suits your family’s individual needs and budget. Four plans offer various levels of both health and dental benefits while the other four offer only dental coverage.

If you're self-employed, retired or simply not covered by a group health plan, you know how quickly medical costs can add up—especially those that may not be covered by your provincial health plan. Having your own health insurance (or supplementing your existing work benefits) can help reduce your out-of-pocket payments for common expenses like prescription drugs, dental services, vision care, physiotherapy and more. 

​Smart Wellness Health & Dental Plan

Get coverage for prescription drugs, dental services, vision care, physiotherapy and more. 

What’s in it for you? 

If you’re looking for a complete bundle of health benefits, consider the Silver or Gold Plan. Both plans offer coverage for dental services, prescription drugs, vision care, hospital, travel, registered specialists and therapists, homecare and nursing and much more! 

All plans include most core benefits.

You don’t have to pay extra for benefits like vision care, registered specialists and therapists, ambulance services and more. 

No waiting period

Your benefits start on the first day of the month following approval. There is no waiting period for eligibility. 

Fast, convenient claims submission

Your benefit card makes it easy for most prescription drug and dental claims to be processed for you electronically so you keep money in your pocket. 

Acceptance is often guaranteed.

The base plan requires no medical questionnaire, nor do any of the four dental plans, so your acceptance is guaranteed!

We want you to live your longest, healthiest life. And we’ll be by your side to support—and reward—your path to healthy living. 

Health Service Navigator®‡

Get answers to your questions and access support services via the web or by calling a dedicated toll-free line. Get information, medical coordination services and help with navigating the Canadian healthcare system. Health Service Navigator®‡ can also help you get world-class medical second opinions.

Included in all plans at no extra cost:

Travel coverage—covers emergency medical expenses while travelling outside your province.*

Lifeline® Personal Response Service‡ – coverage towards the cost of a monitoring service for people with medical problems at home. 

Satisfaction guaranteed or your money back

Once you receive your insurance policy, review it carefully. If you are not completely satisfied, you may return your policy to Manulife within 30 days of the issue date to have your coverage cancelled, and your entire premium will be promptly refunded. No questions asked. 

* Disclaimer: Insurance products are available through G&F Financial Group Insurance Services Ltd., a wholly-owned subsidiary of G&F Financial Group. This website is for informational purposes only and is not intended to provide specific insurance, financial, investment, tax, or other advice to you, and should not be acted or relied upon in that regard. Insurance products are underwritten by certain licensed insurance companies and are only available throughout British Columbia, Canada.

** Plans underwritten by The Manufacturers Life Insurance Company. Manulife and the Block Design are trademarks of The Manufacturers Life Insurance Company and are used by it, and by its affiliates, under licence. Health Service Navigator® is offered through The Manufacturers Life Insurance Company. Lifeline® is a trademark of Lifeline Systems Inc. ©2018 The Manufacturers Life Insurance Company. All rights reserved. Manulife, P.O. Box 670, Stn Waterloo, Waterloo, ON N2J 4B8. Accessible formats and communication supports are available upon request. Visit Manulife.ca/accessibility for more information.  

‡ Manulife cannot guarantee the availability of this benefit indefinitely. *Only included in plans that have prescription drug coverage.

Get started with the Smart Wellness Health & Dental Plan.