Tel. 1-877-443-0101, 416-493-0101, 416-458-4577
 
HomeContact us
Have  a Broker Call You !

Insurance :   Life  |  Mortgage Protection  |  Critical Illness   |  Disability   |  Health & Dental Benefits |  Group Benefits for Small Businesses

Visitors to Canada  | Super Visa  |  Travel Insurance for Canadians   | International Student  | Canadian Student - Study Abroad     

► Health & Dental Benefits Plans

Canadian Health and Dental care insurance - health, dental care, drug, vision care, hospital benefits for self-employed, contract workers, small business owners, retired or retiring individuals, anyone not covered  under group insurance plan (for residents of Alberta, British Columbia, Manitoba, Nova Scotia, Ontario,  Saskatchewan).

 

Insurance Providers:

Manulife Financial (buy on-line)

Group Medical Services (buy on-line)

Desjardins Financial Security

The Edge

•  Ontario Blue Cross

 

.

Special Plans

•  Conversion of Group Benefits

     (no medical questionnaire required)

•  Guaranteed Issue Health&Dental Plans

   (no medical questionnaire required)

•  Dental Plans

•  Prescription Drugs Plans

 

.

 

Potential Tax Advantages for Small Business Owners

 

.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Individual Health Care Insurance  

 

Health and Dental Benefits Plan may include: Extended Health benefits, Prescription Drugs, Dental Care, Vision Care, Semi-Private or Private Hospital, Hospital Cash, Medical Travel, Catastrophic Coverage, Accidental Death & Dismemberment insurance.

 

Get a Quote

 

Insurance providers and Plans Available

Get quotes, choose your plan and buy affordable health and dental benefit insurance from the following insurance providers:

 

Manulife Financial

Summary of Health&Dental Plans

Get an Instant Quote & Apply ONLINE

 FlexCare®:

flexible plans for individuals and small businesses

Please Click here and follow

the on-screen prompts

  FollowMe :

conversion of group benefits

Please Click here and follow

the on-screen prompts

  Association Health and Dental plans : plans for individuals, small businesses and associations

Please Click here and follow

 the on-screen prompts

 

Group Medical Services

 Summary of Benefits

To get an instant  quote & apply ONLINE, please Click here and follow the on-screen prompts

  

Desjardins Financial Security

 Summary of Benefits (SOLO Healthcare)

To get a quote, please call  at

416-493-0101, 1-877-443-0101

 

The Edge (underwritten by Green Shield)

 Summary of Benefits

Rates

 

Ontario Blue Cross

      •  Blue Vision Global Plan

      •  Blue Vision Express Plan

Please call for information  and a quote

at 416-493-0101, 1-877-443-0101

 

Most Health&Dental Plans (excluding Conversion option, Guaranteed issue and some Dental plans) are MEDICALLY UNDERWRITTEN. If the 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  questionnaire on the application.

 

If you want to get quotes on your email, please Click here.


 

 

Conversion of Group Benefits

Your 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.  

Manulife Financial

Summary of Health&Dental Plans

Get a Quote or Apply ONLINE

FollowMe :

 Basic

 Enhanced

 Enhanced Plus

 Premiere

Please Click here and follow

the on-screen prompts


If you want to get quotes on your email, please Click here.


 

 

Guaranteed Issue Health&Dental Plans

Have pre-existing conditions and take medications?

Insurance 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. 

Manulife Financial

Summary of Health&Dental Plans

Get an Instant Quote or Apply ONLINE

Flexcare (no medical questionnaire)
     ComboPlus Starter

Please Click here and follow

the on-screen prompts

Association plans for individuals, associations & small businesses (no medical questionnaire)
     Base Health&Dental Plan

Please Click here and follow

 the on-screen prompts

 

Ontario Blue Cross

      •  Blue Vision Express Plan

Please call for information  and a quote

at 416-493-0101, 1-877-443-0101

If you want to get quotes on your email, please Click here.


 

 

Dental plans

Dental plans include Dental care  benefit as well as coverage for extended health  services:  Registered Specialists and Therapists, Vision Care, Homecare and Nursing, Ambulance, Travel 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 and budget.

Manulife Financial

Summary of Dental Plans

Get an Instant Quote & Apply ONLINE

Flexcare (no medical questionnaire required)

 DentalPlus Basic : coverage for regular cleanings, fillings, examinations and more, plus regular check-ups

 DentalPlus Enhanced: additional coverage for major restorative work, orthodontic coverage and more

Please Click here and follow

the on-screen prompts

Association plans for individuals, associations & small businesses (no medical questionnaire)

 Base Dental
 Bronze Dental
 Silver Dental
 Gold Dental

Please Click here and follow

 the on-screen prompts

 

Group Medical Services

 BasePlan + Dental
 ExtendaPlan + Dental
 OmniPlan + Dental

To get an instant quote & apply ONLINE, please Click here and follow the on-screen prompts

 

Ontario Blue Cross

      •  Blue Vision Global Plan

Please call for information  and a quote

at 416-493-0101, 1-877-443-0101

If you want to get quotes on your email, please Click here.


 

 

Prescription Drugs 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, Ambulance, Travel 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.  

Manulife Financial

Summary of Health&Dental Plans

Get an Instant Quote & Apply ONLINE

Flexcare (no medical questionnaire required)

 DrugPlus Basic

 DrugPlus Enhanced

Please Click here and follow

the on-screen prompts

 

Group Medical Services

 BasePlan + Prescription Drugs
 ExtendaPlan + Prescription Drugs
 OmniPlan + Prescription Drugs

To get an instant quote & apply ONLINE, please Click here and follow the on-screen prompts

 

The Edge

 Base Health Plan
 Deluxe Health Plan
 Platinum Health Plan

Rates

 

Ontario Blue Cross

      •  Blue Vision Global Plan

Please call for information  and a quote

at 416-493-0101, 1-877-443-0101

If you want to get quotes on your email, please Click here.


 

 

Why do you need Health and Dental Benefit Insurance?  

Many 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. 

 

Individual Health Care Insurance is designed for:

  • Self-employed individuals and individuals working on contract

  • Home based business owners and small business owners

  • Retired or retiring individuals to replace group benefits

  • Part-time, seasonal and temporary employees

  • Anyone not covered, or not eligible for coverage under a traditional group insurance plan

  • Those, who want to top-up their existing group coverage


 

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 tax credit.

 

Here's how it may work for self-employed *:

Health and Dental Plan Annual Premium:

$900

Tax deduction assuming 30% marginal rate

-$270

Total Net Cost

$630

Saved Annual Expenses (paid through health & dental plan)

Prescription Drug costs

-$180

Dental costs

-$200

Contact lenses

-$100

Chiropractor/Registered Massage Therapist

-$150

Total Expenses

-$630

Your Cost

$0

* The 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 tax deductions.

 

Contact us  for more information, free consultation and to choose the policy, which is right for you.

 

If you have any questions or concerns feel free

Ask a Question

 

g

Investments:     RESP    |  Canada Education Savings Grant  |    Canada Learning Bond    

                           RRSP   |  Home Buyer's Plan    |    Lifelong Learning Plan   |   Spousal RRSP 

        TFSA    |    Segregated Funds

Russian

Revised: February 10, 2015