Get the existing plan information
Ask the employer or benefits administrator when coverage ends and whether continuation or conversion options exist. Confirm any application deadlines directly. Compare your priorities with the proposed plan without assuming the new arrangement reproduces every workplace benefit.
Which options and deadlines apply to my current plan?
Check the benefits you expect to use
Ask the provider about eligible prescriptions, dental services, reimbursement, exclusions and maximums. Use a secure provider channel for medical or medication information. Do not submit a health history through a general enquiry form.
Are the benefits I am comparing actually eligible under the proposed plan?
Make the next conversation useful
Bring the current documents and explain any changes. These details are a useful starting point:
- Existing benefit plan and end date
- Benefit priorities and desired start date
- Province of residence and eligibility
Ask the provider to connect its answer to the actual policy or eligibility terms, including exclusions, dates and reporting conditions. Keep the confirmed answer with the offer.
Sources & further reading
General insurance principles and the jurisdiction-specific references below support further reading. Examples are illustrative; individual policy terms require provider confirmation. Content updated October 11, 2026.