HEALTH AND DENTAL INSURANCE
An option to fill the coverage gaps in your government provided health plan or if your company provided group coverage is due to expire or has recently expired.
The Government Health Insurance Plans offered under the provincial and territorial medical services plan do not cover the basic expenses incurred during a medical emergency, or during a not so critical sickness that is easily curable but still leaves an impact on your finances.
Dental treatment is very expensive in Canada; it can significantly disturb your budget if you don’t have a good health and dental insurance plan. Canada’s Individual Health Insurance supplements provincial health coverage and can help to manage much health care’s expenses. It pays for us to get our prescriptions, health services, and it also covers us for dental issues we may have such as cleaning, scaling, and topical treatments. It includes travel insurance and vision care as well.
Health Insurance – Drug & Dental Plan is one considerable option to fill the coverage gaps in your government provided health plan or if your company provided group coverage is due to expire or has recently expired.
Ideal for the Individuals below:
- you are self-employed or a contract worker
- you have recently changed your employment
- you are a small business owner
- you have retired or are ready to retire and your group health benefits are ending soon
- you are not covered under any group insurance plan, or you are not completely protected by your private health insurance plan and want to save money on the ongoing or unexpected medical costs that are not covered by the territorial medical service plan
This acts as your personal or replacement health insurance plan that covers:
- prescription drugs, emergency medical services, dental care, vision care, hearing aid, orthotics, home care or long-term care,
- any extended health care that includes registered specialists and therapists like massage therapists, chiropractors, physiotherapists, and psychologists,
- catastrophic drug coverage,
- in case of any requirement for medical equipment to assist with your mobility
- any emergency medical travel care,
- semi-private or private hospital expenses and hospital cash
- accidental death & dismemberment expenses
Various Coverage Options
Personal Health Insurance Plan:
This plan aids in paying for expenses that Government Health Insurance Plan (GHIP) may not cover. This plan is best suited for people who are self-employed or are freelancing in their field of expertise
Replacement Health Insurance:
This plan is designed for people who were previously covered under a group plan, typically by their employer and are now planned to either leave the job or retire. Replacement health benefit plans can be applied within 60 days after your group insurance expires, the coverage is guaranteed and there are no medical questions at the time of application.
Benefits of having Health Insurance -Drug & Dental Plan
- It covers a wide range of additional small healthcare expenses that are ongoing and paid out of pocket.
- You Build your own plan – You can design a customized plan that you want by adding any optional coverages you may require, like a prescription drug, dental coverage, and home care, or just prescription drugs and home care with medical equipment.
- You can include your spouse and dependent children under the age of 21 who are not working in your coverage plan.
- You cannot purchase insurance for anyone else, even your parents, but you can still pay the premium on their behalf if you wish to.
Need any help!
The best way to start is to have a free initial consultation. Contact us via the details below or send us your details via call or email.
Coverage Matters can help you get personal and affordable Health and Dental plan, understanding the
various benefits with each insurance coverage and how can it help add value to your existing
coverage or can prove to be the best coverage, if you don’t have one at all.