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Buying your own Health benefits plan … Pros and Cons

I recently have had to leave a retail job which offers decent health benefits plan. Do any of you out there have experience with the plans offered by the Alberta Blue Cross and the Manulife in particular. Would also like hear about others you have experience with.
I have been needing physio/ chiro and massage therapy, as well as seeing a counselling therapist from time to time.

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