Health & Dental

Coverage of everyday medical expenses

If you don’t have health and dental coverage through your employer, you are likely feeling the financial impacts of the rising cost of medical expenses. Individual health and dental insurance plans can help lessen the burden of everyday medical expenses like prescription drugs, vision care, routine dental procedures and more.

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Why health and dental insurance?

Fills coverage gaps

As Canadians, we’re fortunate to have the health care that we do but there are still many things that aren’t covered by our government health plans. Individual plans fill that gap.

Coverage for everyday expenses

Visiting the dentist for a routine cleaning, seeing a specialist (massage, chiro, counselling) are all day-to-expenses that you will no longer need to pay solely out of pocket for.

Emergency medical coverage

Depending on the plan you choose; you may be eligible for out-of-country emergency medical coverage and semi-private/private hospital accommodations in your home province.

Any questions?

Who can benefit from individual health and dental plans?

Quite simply, anyone who is lacking coverage through a traditional group plan could benefit from an individual health and dental insurance plan. Some examples are those who are self-employed, work on a freelance basis or those who don’t receive benefits as part of their compensation package.
What types of expenses can I claim under a health and dental plan?

Everyday medical expenses like prescription drug coverage, massage, chiropractic care, counselling and vision care are just some of the expenses that you can claim through your individual health and dental plan.
Is there a maximum amount that I can claim through my plan?

Coverage amounts and maximums will vary from plan to plan. Not sure what plan is best suited to your needs? A member of our team can recommend your best plan options based on a brief discussion surrounding your medical expenses, lifestyle needs and overall budget.
Am I required to complete a medical questionnaire?

In some cases, yes. However, there are guaranteed issue plans on the market that do not require medical evidence to be submitted at the time of application. With that being said, going through the medical underwriting process may be advantageous and help lower your monthly premiums so if you’re in good health, it is something to be considered.