Canadian individual Health and Dental
helps to cover costs of many health care expenses and
coverage for Prescription Drugs, Dental Care, Extended Health benefits, Vision Care, Semi-Private or Private Hospital, Hospital Cash,
Medical Travel, Catastrophic Coverage,
Accidental Death &
Insurance Providers and Plans
choose your plan and apply for affordable health and
dental benefits insurance
for you or your family
from the following insurance providers:
Manulife Financial, GMS, Desjardins Insurance, The Edge, Ontario
Health & Dental Plans (excluding Conversion
option, Guaranteed issue and some
Dental plans, please see below) are MEDICALLY UNDERWRITTEN.
plan is medically underwritten, or "requires a medical
questionnaire", you have to disclose any
medical condition, injury or illness that occurred or existed on or
before the date of your application. The
premium charged and/or benefits offered could be subject to
adjustment or modification of coverage, or declined based on your or
your family's medical background. This will be determined after an
evaluation of the information provided on the medical
on the application.
If you want to get quotes on your email, please
(no medical questionnaire)
Have pre-existing conditions and
companies issue Health &
Dental Plans, which
cover pre-existing medial conditions and medications and do
not require Medical Questionnaire at the time of application for
this insurance. This policy may be the best solution for you if you
have pre-existing medical conditions and medications.
However, overall coverage provided by these plans is less than with
medically underwritten plans.
Please learn what is covered by each insurance plan below and get
your quote ONLINE or call us for assistance.
If you want to get quotes for Guaranteed Issue Plans on your email, please
Conversion of Group Benefits
group benefit plan expires soon
and you have pre-existing medical conditions?
Get your quote
and apply ONLINE for plans designed to
offer uninterrupted health and dental coverage for you and your
family, when your employment and group benefits end. If you apply
within 60 days of your loss of group health and dental benefits,
your application will be automatically accepted.
If you want to
get quotes for
FollowMe Plans on your
include Dental care benefits as well as coverage for extended
health services: Registered
Specialists and Therapists,
Vision Care, Homecare and Nursing,
and other benefits. There is no prescription drug benefit in
these plans. Please learn what is covered by each insurance plan
below and choose the Dental plan best suited to your needs, wants
If you want to get quotes for Dental Plans on your email, please
Prescription Drugs Insurance Plans
Prescription Drugs plans include
Prescription drugs benefit as well as coverage for extended health
services: Registered Specialists
and Therapists, Vision
Care, Homecare and Nursing,
and other benefits. There is no Dental Care benefit in these
plans. All Prescription Drugs plans are
medically underwritten: they are
designed to cover your future losses (like Critical Illness
insurance, Disability Income Loss or Long Term Care insurance).
Please learn what is covered by each insurance plan below and choose
the plan best suited to your needs, wants and budget.
If you want to get quotes for Prescription Drug Plans on your email, please
Why do you need
Health and Dental Benefit
routine health care expenses in Canada such as dental services,
prescription drugs, prescription eyewear, and registered specialists
and therapists are not covered by your Government Health Insurance
Plan. If you're without an employee group plan, these expenses can
come out of your pocket. And should an accident or serious illness
occur, additional medical expenses might be difficult to pay.
Individual Health Care Insurance can help to cover these costs, and
many more. Like any other insurance plans, Individual Health Care
Insurance gives you peace of mind, provides a safety net for
potential financial losses as well as makes easier the burden of day
to day medical and dental expenses.
Potential Tax Advantages for Small Business Owners
If you're self-employed
or are an employee of your own business, health and dental premiums
may be a non-taxable benefit and a tax-deductible expense. For
others, the premiums may qualify as a medical expense and create a
Here's how it
may work for self-employed
Health and Dental Plan Annual Premium:
Tax deduction assuming 30% marginal rate
Total Net Cost
Saved Annual Expenses (paid through health & dental plan)
Prescription Drug costs
Chiropractor/Registered Massage Therapist
example shown is for illustrative purposes only and is not meant
to be representative of every situation.
Your actual savings will depend on the policy selected and the
expenses you incur.
You should seek the
advice of a professional to determine your eligibility for
Contact us for more information,
free consultation and to choose the policy, which is right
If you have any questions
or concerns feel free
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