Health and Dental Insurance

You may be interested in private health and dental insurance if you are:

• Self-employed without an extended health care plan
• 
  An employee receiving insufficient coverage from your employer-sponsored group benefits
• Not receiving adequate health and dental benefits from another plan
• A small-business owner with at least three non-related employees

Why do I need a private health care plan if I am already covered by my provincial health insurance?

Government-sponsored health plans vary from province to province, and there are many medical services not covered by government plans. Even though you are insured by a provincial plan such as OHIP, MCS, or MSI, among others, extended health care services like physiotherapy, vision care and chiropractor services are usually not covered under public plans, but are essential for maintaining peak physical health. Health & Dental insurance supplements your provincial coverage, providing reimbursement for out-of-pocket costs not covered by provincial plans, and affording you comprehensive benefits to maintain your health and wellness.

With the exception of Quebec which covers some medications, provincial health insurance plans do not provide prescription drug coverage. The Health insurance helps bridge this gap by providing a basic amount of reimbursement for prescription costs. We also offer an optional drug upgrade to increase prescription coverage to 90% reimbursement per person, to a personal maximum of $1,000 for the first year, $1,500 for the second and $2,000 per year from the third year onward.